Free Tool
Debt Validation Letter Generator
Require a debt collector to prove the debt is real and they have the right to collect before you pay anything.
Your details
Generated Letter
Your FDCPA Rights
30-day validation window. If sent within 30 days of first contact, collection must stop until validation is provided.
Statute of limitations. Old debts may be time-barred from lawsuits. Partial payment can reset the clock in some states — check before paying anything.
Full FDCPA guide →What Collectors Must Provide
| Document | Acceptable Form |
|---|---|
| Debt amount | Itemized balance history |
| Creditor identity | Original + current creditor |
| Original agreement | Signed contract or judgment |
| License to collect | State collection license |
Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer
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