What Should You Know About Debt Validation

If you ever get a call or an email that requests you to pay your loan debts, you can request validation first. If your loan is from a bank like columbia bank Marlboro, you should confirm that the agent calling you is a bank representative.

By taking this step, you will be making sure that your debts are paid to the right institution. Read ahead to know more about why you should request debt validation.

Columbia Bank
133 Route 9 South, Marlboro
NJ 07726, United States
Phone: +1 732-972-1777

Requesting for debt validation

Debt validation means that you have the right to procure all of your loan and debt details from the agent calling you. This may include the amount you owe and their legal authority. Here’s why you should seek debt validation.

Avoid bogus debts

By taking this step, you will avoid any impersonators trying to get the debt amount from you. In this digital age, it is easy to create documents that look similar to your bank’s ones.

By asking for validation and cross-checking with your bank, you will avoid any bogus loans.

Avoid repayment

At times, you may be asked to pay a debt that you have already paid. If you remember paying this, trust your instincts. Check to see any previous records you have of paying the debt. You can also call your bank to see if you have made the payment already.

Ask for authorization documents

This is a key step you should follow before you pay any debt that you have been asked for. If an agent calls you asking for a loan payment, ask for a debt validation letter from them. This will help you ensure that you are paying the right institution.

Note that the debt collector should send the debt validation to you within five days from the first contact.


It is better to be safe than sorry when it comes to loan payments. By seeking debt validation, you will be able to pay your loans to the right institution at the right time.