Is US debt validation better than settling debt?

[asiyatanisa]

It depends on your situation. I tried US debt validation first because I wasn’t sure if the debt was real. Turns out, the collection agency didn’t have the original contract, so I didn’t have to pay. If the debt is valid, then settling may be your next best move. But validating first ensures you’re not paying something you don’t owe. Always start there—it can save you money and stress.