Debt Validation Request Letter
A collector contacted you and must prove the debt is yours.
This letter follows federal law, so it works the same in every state.
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10 questions, one per screen
- 01
What's your full name?
As it appears on the collector's letter, if it differs from your usual name.
- 02
What's your mailing address?
Where the collector should send the validation.
- 03
Which collection agency contacted you?
The company name on the letter, voicemail, or caller ID.
- 04
What's their address?
The return address on their letter.
- 05
What account or reference number did they use?
Enter 'unknown' if they never gave you one.
- 06
How much do they claim you owe?
Enter 0 if they haven't said.
- 07
When did they first contact you?
The date on their letter, or when they first called.
- 08
What did they say or send?
Letter, call, text. Note anything that felt wrong.
- 09
Do you want them to stop contacting you?
You can request this separately from validation.
- 10
How firm should this letter be?
You can change this later and we'll rewrite it free.
Before you start
This letter is governed by federal law, so the rules are the same in every state. Some states add their own protections on top.
A PDF formatted for mailing, an editable Word file, and a next-steps sheet with your computed deadline and certified-mail instructions. $19, once.
Yes. You read most of the draft — including every fact you gave us and the statute citation — before any payment. Change an answer and we rewrite it free.