Server-side AI · statute-grounded · review-before-send
The right dispute letter — citing the right law — before your 30-day clock runs out
Paste a collection notice or a credit-report error. DisputeForge figures out which letter you actually need — a debt-validation demand under FDCPA §809, an FCRA §611 dispute to the bureau, or a §623 furnisher dispute — cites the real U.S. Code, and tracks the statutory deadline. One flat fee. You mail it yourself.
Why this beats the generic templates everyone uses —
Situation-specific. A collector you don't recognize, an old time-barred debt, an account that isn't yours, a wrong balance, a "verified-with-no-proof" bounce — each needs a different letter and a different statute. Generic templates cite the wrong one and fail.
The deadline is the moat. Disputing a collector in writing within 30 days forces collection to stop until they validate (15 U.S.C. 1692g(b)). The bureau must reinvestigate within 30 days (15 U.S.C. 1681i). Miss the window and you lose the leverage. We compute and track it.
One flat fee — not a monthly "credit-repair" subscription. The credit-repair industry bills you every month for essentially this letter. We don't. You pay once for the drafted document and send it yourself.
Free preview included. The full, ready-to-mail letter unlocks for a one-time $29.00.
This is a clerical document-DRAFTING tool, not legal advice and not a credit-repair service. DisputeForge is not a law firm and does not represent you or guarantee any outcome (no deletion, no score change). You review, sign, and mail the letter yourself. Verify every date against your own dated notice before sending. We charge one flat fee for the drafted document — we never charge a recurring fee for a promise to improve your credit.
Pick your starting point
📨 A debt collector contacted me
Demand validation under FDCPA §809 within 30 days and force collection to pause.
The AI runs server-side. There is no raw model endpoint — drafting sits behind a rate-limiter and a paid credit. Your pasted text is sanitized and length-capped before it reaches the model.
Citations are vetted, not invented. A deterministic classifier maps your situation to the correct letter and pre-approved statutes (FDCPA / FCRA / CFPB Reg F & V). The model may cite only those — and we re-scan the draft for any citation it wasn't handed.
Honest-null. If your text doesn't map to a real statutory basis, we say so instead of selling you a letter that will bounce.
Deadlines are computed from your dated notice, with a free certified-mail clock you can save.
Not legal advice, not credit repair. This is a clerical document-DRAFTING tool, not legal advice and not a credit-repair service. DisputeForge is not a law firm and does not represent you or guarantee any outcome (no deletion, no score change). You review, sign, and mail the letter yourself. Verify every date against your own dated notice before sending. We charge one flat fee for the drafted document — we never charge a recurring fee for a promise to improve your credit.