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Debt Validation Letter Generator

Exercise your rights under the FDCPA to demand proof of debt from collectors

3 uses left

A debt validation letter is your legal right under the Fair Debt Collection Practices Act (FDCPA) Section 809(b). It requires debt collectors to prove they have the legal right to collect a debt and that the amount is accurate. If they can't validate the debt, they must stop collection efforts and remove it from your credit report.

1 Your Info
2 Collection Details
3 Generate

Step 1: Your Information

Step 2: Collection Details

Step 3: Review & Generate

Your Information

Collection Details

Important Notes:

  • Send within 30 days of first contact for maximum protection
  • Always send via certified mail with return receipt
  • Keep copies of everything for your records
  • The collector has 30 days to respond with validation