Preparing Your Letter – Once you have researched the SOL and decided to move forward, it is time to prepare your validation letter. Like other credit repair communications, there is no benefit to sharing your life story. There is also no value, at least in your initial communication, in taking an aggressive stance. Be polite and ask them to validate the debt and provide a bulleted list of specific requests including documentation that the collector owns the debt and an accounting of the amount due. . Thus experienced Houston bankruptcy attorneys are the best option as these attorneys with their years of experience can understand the complexity of every bankruptcy case and suggest best solutions after going through the details of one case. The attorney one prefers should be expert of the bankruptcy matter and should have prior experience of handling similar cases. To find such bankruptcy attorney in Houston one can ask for reference from friends and relatives who have earlier taken service from such attorneys. This proves to be the ideal way of finding a best bankruptcy attorney in Houston. . This is important because, by the time third-party debt collectors come calling, they often don’t have the documentation to back up their claim that you owe money. Perhaps the original creditor didn’t give them the documents, or maybe the debt collection agency has purchased what’s called “junk debt,” money that the original creditor has written off as a loss and sold for pennies on the dollar. According to the federal Fair Debt Collection Practices Act (FDCPA), within five days of contacting you, a debt collection agency has to send you a written notice stating the name of the creditor, the amount you owe, and your rights to dispute the debt. By sending them a validation letter within 30 days of initial contact (via certified mail with return receipt requested), you are placing the burden on the collection agency to prove that you owe the money. . He is going to be your defender so you ought to be very comfortable with him. The biggest mistake that people make while employing a business bankruptcy attorney is the payment rate. The fact that your business is bankrupt and you don’t have enough money does not mean that you should base your selection on the fees. Most lawyers charge themselves within a particular range and therefore you can find an affordable attorney easily. . . . → Read More: Debt Collection Law Firms – Don’t Panic If You Hear From One