Document background
The Debt Collection Validation Letter is a crucial document in the Irish debt collection process, required when attempting to collect consumer debts in Ireland. It must be sent as the initial written communication to the debtor, detailing the alleged debt and informing them of their rights under Irish law. The document serves multiple purposes: it validates the collector's right to collect the debt, provides transparent information about the debt's origin and amount, and informs the debtor of their right to dispute the debt within 30 days. The letter must comply with various Irish regulations, including the Consumer Protection Act 2007, Data Protection Act 2018, and Central Bank regulations. It's particularly important as failure to provide proper validation can render collection efforts invalid and may expose the collector to legal liability.
