Debt validation is a legal debt resolution process in which creditors (MOST ANY TYPE OF DEBT!) need to prove that you owe the funds that appear in your name. It is a basic right to challenge debt that may have been wrongfully attributed to you.The Fair Debt Collection Practices Act (FDCPA) gives every American the right to contest inaccurate debt by writing an appeal to the collector within 30 days of a collection request.The collection request can be by phone or writing, but needs to clearly identify the creditor and amount owed. If the first contact is by phone, the collector must notify you in writing within 5 days. In any case, you should act quickly so you don’t miss your window of opportunity.