How to Write a Debt Validation Letter to Radius Global Solutions
A debt validation letter is a formal request under §809(b) of the Fair Debt Collection Practices Act (FDCPA) that forces Radius Global Solutions to prove the alleged debt is yours, that the amount is correct, and that they have the legal authority to collect it. Until Radius Global Solutions produces validation — the original creditor, an itemized balance, and documentation tying the debt to you — they must halt collection activity. This letter must be sent within 30 days of Radius Global Solutions's first written contact to trigger full FDCPA protection.
About validating a debt with Radius Global Solutions
Radius Global Solutions is a third-party accounts-receivable management company formed from several predecessor agencies, including Central Credit Services. It collects on behalf of clients across credit-card, telecom, utility, and healthcare sectors, generally on a contingency basis rather than as a debt purchaser.
What Radius Global Solutions accounts look like on your credit report
- Credit-card placements from bank and retail issuers
- Telecom and utility final balances
- Healthcare receivables placed by providers and hospital systems
What actually matters when you dispute with Radius Global Solutions
- Radius operates under names inherited from acquired agencies. Confirm the exact reporting name on your credit report and reference it in your letter so the tradeline is matched.
- For healthcare balances, ask for an itemized bill and the insurance explanation of benefits — provider placements often precede final insurance adjudication.
- Because Radius collects for clients, an unvalidated account is usually recalled rather than defended.
What a response from Radius Global Solutions usually looks like
Expect a written response within 30 days. Radius typically either supplies client documentation or closes and returns the account, which results in the collection tradeline being deleted.
Where to send this letter
Radius Global Solutions LLC7831 Glenroy Road, Suite 250
Edina, MN 55439
Radius Global Solutions (formerly Central Credit Services) dispute and validation correspondence.
Step-by-step: sending a Debt Validation Letter to Radius Global Solutions
- Send the letter within 30 days of the collector's first written notice to preserve FDCPA rights.
- Generate your debt validation request naming the collector and account.
- Mail Certified with Return Receipt so you have proof of the 30-day timing.
- Do not pay, negotiate, or acknowledge the debt until validation is received in writing.
What to expect
30 days to validate — collection activity must pause until they do.
Under FDCPA §809(b), once a consumer disputes a debt in writing within 30 days of the collector's first notice, the collector must cease collection activity until it mails verification of the debt. Many collectors simply stop collecting rather than produce full validation, especially for old or resold debts.
Frequently asked questions
When must I send a debt validation letter?
Within 30 days of the debt collector's first written communication. Sending inside that window triggers full FDCPA §809(b) protection: collection must pause and the collector must mail verification before resuming.
What must the collector actually provide?
At minimum, the name and address of the original creditor and verification of the amount owed. Best practice is to also demand a signed contract, itemized accounting, and proof they are licensed to collect in your state.
Can I still send one after 30 days?
Yes, but the automatic pause on collection activity under §809(b) may no longer apply. The letter is still useful — many collectors cannot produce documentation on older debts and will drop the account rather than respond.
What if the collector never responds?
They cannot lawfully continue collection or credit-bureau reporting without validation. If they do, that's a documented FDCPA violation — keep the certified-mail receipt and consider a CFPB or state Attorney General complaint.