A debt collector contacted you. Before you pay a cent, make them prove it. A debt-validation letter sent in writing within 30 days of their first notice forces them to stop collecting until they validate the debt (15 U.S.C. 1692g(b)). Paste their notice — we draft the letter, cite the statute, and compute your deadline.
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.
What a real validation letter must demand
The name of the original creditor and proof the collector owns or is authorized to collect this debt.
A complete itemized accounting — principal, interest, fees, payments, credits — from the itemization date (12 C.F.R. 1006.34, CFPB Reg F).
The agreement that created the debt.
A clear statement that the dispute is timely and that collection must cease until verification is mailed (15 U.S.C. 1692g(b)).
The clock: 30 days from when you received the collector's first written notice — not from when the debt arose. Send your letter by USPS Certified Mail, Return Receipt Requested and keep the green card; it proves the date.
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.