Validate Debt First

This site explains how debt collection works as a system. It is not legal advice and does not tell you what to do about any debt. For your rights and official guidance, see the CFPB. What this is.

The Paper Trail

The Paper Trail

All The Paper Trail articles from Validate Debt First.

Latest Articles

Paper 6 min read

Account Data and Media Are Not the Same

In debt buying, data and documents are separate products with separate prices. The distinction explains most of what follows.

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Paper 6 min read

Chain of Title in a Sold Debt

How ownership of a defaulted account is documented as it passes between companies, and where the chain thins out.

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Paper 6 min read

What a Collection File Actually Contains

A sold debt travels as a spreadsheet row and a few documents. What that file holds, and what it usually does not.

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