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Debt Validation Letter Template

Use this free template to request proof that a collection agency has the legal right to collect a debt from you. This is your right under Canadian consumer protection law.

When to Use This Letter

  • A collection agency contacts you about a debt you don't recognize
  • You believe the amount is incorrect
  • You want to verify the debt before making any payment
  • The debt may be past the limitation period in your province

The Template

[Your Full Name] [Your Address] [City, Province, Postal Code] [Date] [Collection Agency Name] [Agency Address] [City, Province, Postal Code] RE: Account #[Account Number] — Request for Debt Validation To Whom It May Concern, I am writing in response to your contact regarding the above-referenced account. I am requesting validation of this debt as is my right under applicable Canadian consumer protection legislation. Please provide the following documentation: 1. The name and address of the original creditor 2. The original amount of the debt 3. A complete accounting of all interest, fees, and charges added 4. A copy of the original signed credit agreement or contract 5. Proof that your agency has the legal right to collect this debt 6. Confirmation that the debt is within the applicable limitation period in my province of residence Until this debt has been validated, I request that: - All collection activity cease - No further contact be made by telephone - No negative reporting be made to credit bureaus regarding this account Please note that under provincial consumer protection legislation, collection agencies must comply with all applicable regulations regarding debt collection practices, including restrictions on contact frequency, times, and methods. I request that all future communication regarding this matter be in writing only. Sincerely, [Your Full Name]

Limitation Periods by Province

After the limitation period expires, a creditor cannot sue you to collect the debt. However, the debt may still appear on your credit report.

Ontario 2 years
British Columbia 2 years
Alberta 2 years
Quebec 3 years
Saskatchewan 2 years
Manitoba 6 years
Nova Scotia 6 years
New Brunswick 6 years

Note: Limitation periods start from the date of last payment or acknowledgment of the debt. Making a payment can restart the clock.

Your Rights as a Canadian Debtor

  • 1. Collection agencies cannot call you before 7:00 AM or after 9:00 PM in your time zone
  • 2. They cannot contact you at work if you've told them your employer disapproves
  • 3. They cannot use threatening, profane, or intimidating language
  • 4. They must identify themselves and the creditor they represent
  • 5. You can request all communication be in writing only
  • 6. You can file a complaint with your provincial consumer protection office if a collector violates these rules

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This template is provided for educational purposes only and does not constitute legal advice. Laws vary by province. Consult a legal professional for advice specific to your situation.