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Debt Validation | Debt | Luminary Financial

Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector.


The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code.[1] 


This debt validation procedure was expected to reduce the incidence of debt collectors dunning the wrong person or attempting to collect previously paid debts. Individual debt validation processes vary. On a consistent basis Luminary Financial proves the process is a viable alternative to bankruptcy. 

Additionally, bankruptcy leaves a black eye on your credit report for 10 years as opposed to debt validation which last for under a year. Before filling for bankruptcy contact us to discuss your options.

Luminary Financial is a company that is looking out for clients' best interest. Everyone in life goes through financial stress, we want to offer you usable solutions that do not damage your credit for years to come.


Getting away from debt can become an arduous task. However, with the right team behind you, debt becomes just a small hurdle in your life. Protect your financial future with the help of Luminary Financial and employ their 17 years of experience to fight for you. 

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