Discharge and Validation of Debt

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[Your Name]

[Your Address]

[City, State, ZIP Code]

[Email Address]

[Phone Number]

[Date]

[Creditor's Name]

[Creditor's Title or Position]

[Creditor's Company Name]

[Creditor's Address]

[City, State, ZIP Code]

Subject: Request for Discharge and Validation of Debt

Dear [Creditor's Name],

I hope this letter finds you well. I am writing to formally request the discharge and validation of
the debt associated with the account number [Account Number] under my name.

As per my records, the outstanding debt amounting to [Specify: Amount] was paid in full on
[Payment Date] through [Specify: Method of Payment, e.g., check, bank transfer]. To ensure that
your records accurately reflect this settlement, I kindly request the following:

1. Written Confirmation of Discharge:


o Please provide a written statement confirming that the debt has been fully
discharged and that no further amounts are owed on the account.
2. Validation of Debt:
o If there are any discrepancies or outstanding amounts that you believe are still
due, I request a detailed validation of the debt, including the original loan
agreement or contract, the full account history, and any applicable interest or fees.
3. Update to Credit Reports:
o Kindly ensure that my credit reports with all major credit bureaus are updated to
reflect the discharged status of this debt.
I want to empathize that this request is made in good faith and in full compliance with House
Joint Resolution 192. I believe that my circumstances surrounding my debt warrants
consideration.

Enclosed with this letter, you will find copies of the payment confirmation and any relevant
correspondence for your reference.

I appreciate your prompt attention to this matter and look forward to receiving the requested
documentation at your earliest convenience. If you need any additional information or have any
questions, please do not hesitate to contact me at [Your Phone Number] or [Your Email
Address].

Thank you for your cooperation.

Sincerely,

[Your Full Name]

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