Debt Validation Authority Kit

Family, this is not a “just dispute it” template.

This is my structured validation and enforcement framework for handling collection accounts the right way.

If a collector is calling, texting, or reporting on your credit and you don’t know whether to pay, dispute, negotiate, or escalate; this kit walks you through the process step by step.

Inside, I break down:

• The difference between a third-party collection agency and a debt buyer

• Why that distinction matters under 15 U.S.C. §1692g (FDCPA)

• How validation standards may vary depending on the type of collector

• How to determine your debt category (credit card, medical, insurance, telecom, etc.)

• How to send a written validation request

• How to properly audit the response (without guessing)

• When to follow up

• When escalation to the CFPB may be appropriate

This is about structure.

This is about documentation.

This is about knowing your process, not reacting emotionally.

You’re not begging. You’re exercising a consumer right.

This guide helps you create a paper trail, evaluate what was provided, and make informed decisions based on your specific situation. It does not guarantee deletion or specific outcomes. Results depend on the documentation maintained by the collector and the facts of each account.

This product is for educational purposes only and is not legal advice. If you are facing litigation, consult a licensed attorney.

If you’re ready to stop guessing and start moving with structure; this is for you.

– Cousin Kenya, The Credit Redeemer

This is a consumer enforcement packet.