The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Common Debt Collection Situations
Browse demand letter templates for specific Debt Collection disputes:
Medical Debt Dispute
Dispute medical bills or collections that are incorrect, inflated, or improperly billed.
Zombie Debt Collection
Stop collection attempts on old or time-barred debts that can no longer be enforced.
Identity Theft Collections
Demand removal of debts caused by identity theft and stop collection harassment.
Debt Validation Request
Demand that a debt collector provide proof that you owe the debt they are collecting.
Cease Harassment Letter
Demand that debt collectors stop harassing you in violation of federal law.
Credit Report Error Dispute
Demand removal of inaccurate information from your credit report.
Student Loan Servicer Dispute
Dispute student loan servicer errors, misapplied payments, or wrongful denials.
Credit Report Error Dispute
Dispute inaccurate information on credit reports with bureaus and furnishers.
Payday Loan Dispute
Dispute predatory payday loan practices, rollovers, or collection tactics.
Student Loan Servicer Dispute
Dispute student loan servicer errors, misapplied payments, or PSLF denials.
Collection Combat FAQ
When should I send a demand letter?
After the second broken payment promise. Don't let them string you along indefinitely.
What if they ignore my demand?
Small claims court is your next step. The filing fee is often recoverable, and you don't need a lawyer.
How do I prove they owe me money?
Contracts, invoices, text messages, emails, bank transfers, promissory notes, or witness statements all help prove the debt.
Can I charge interest?
Yes, if your contract includes interest terms. Even without a contract, many states allow pre-judgment interest on debts.
What about collection costs?
Many contracts allow recovery of collection costs and attorney fees. Check your agreement and state law.
Is there a time limit to collect?
Yes. Statutes of limitation vary by state and debt type, typically 3-6 years. File suit before the deadline expires.
What if they claim they already paid?
Demand proof. Bank records, cancelled checks, or receipts should show payment. If they can't prove it, they still owe you.