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The Debt Validation Letter to Collection Agency is a crucial document in Indonesian debt collection proceedings, designed to protect consumers' rights while ensuring proper debt verification procedures are followed. This document becomes necessary when a consumer receives communication from a collection agency about an alleged debt and wishes to verify its validity, amount, and ownership. Under Indonesian law, particularly the Consumer Protection Law (UU No. 8/1999) and Bank Indonesia regulations, consumers have the right to request detailed validation of any claimed debt. The letter must be structured to comply with local regulations while clearly stating the request for validation, specifying required documentation, and asserting the consumer's rights. It's particularly important in cases where there might be disputes about the debt's validity, concerns about debt collection practices, or questions about the transfer of debt ownership. The document serves as a formal record of the validation request and can be crucial in any subsequent legal proceedings or disputes.

1. Recipient Details: Full name and address of the collection agency, including any reference numbers they have provided

2. Sender Details: Your full name, address, and any account numbers associated with the alleged debt

3. Date: Current date of the letter

4. Subject Line: Clear indication that this is a Debt Validation Letter with reference numbers

5. Formal Greeting: Professional greeting to the collection agency

6. Account Information: Details of the account or debt in question, including any reference numbers provided by the collection agency

7. Debt Validation Request: Formal request for validation of the debt, citing relevant Indonesian consumer protection laws

8. Required Documentation Request: Specific list of documents and information required to validate the debt under Indonesian law

9. Cease Communication Statement: Statement requesting cessation of collection activities until debt is validated

10. Time Frame Statement: Specification of the time frame within which the validation should be provided (typically 30 days under Indonesian regulations)

11. Legal Rights Statement: Statement of your rights under Indonesian Consumer Protection Law

12. Closing: Formal closing statement and signature block