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hows everyone doing Brian ponder Brian a credit lawyer so today I want to do a quick video about a question I got today Im I was speaking to someone who is attempting to take care of some debt collections on their credit report so the question that came in was should I just send in a verification letter and the answer to that is is not a simple one so a lot of people are being advised oh well you know you have a debt collection what you should do is send a verification letter well first of all lets talk about what a verification letter is when you should use it why you should use it so a verification letter is a letter sent to debt collectors to verify a debt now under the FDCPA which stands for a Fair Debt Collection Practices Act this letter is pursuant to section 1692 G of that Act and basically the access within 30 days of receiving the initial contact from a debt collector you have the right to get verification of that debt now what does verification mean well a conservative l