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 Validation Request Issues
Our demand letter generator helps you address these typical problems:
- Unknown debt
- Incorrect amount
- Old/expired debt
- Identity theft debt
Debt Validation Request Checklist
Gather these details before you generate your letter:
- Collection notice and account details
- Any proof of payment or identity theft
- Dates of contact and call logs
How It Works
Describe Your Issue
Tell us about your Debt Validation Request dispute, including dates, amounts, and what happened.
Select Your Location
Choose your state or region so we can include relevant laws and legal citations.
Generate Your Letter
Our AI creates a professional demand letter with proper legal formatting and references.
Send to Recipient
Download your letter and send it via certified mail or email to the other party.
Common Questions About Debt Validation Request
How long do they have to validate the debt?
Collectors must provide validation after a timely request, usually within 30 days.
Should I pay while disputing?
Do not pay unless you are confident the debt is yours and the amount is correct.
Ready to Create Your Demand Letter?
Generate a professional debt validation request demand letter in minutes. Our free tool creates legally-formatted letters with relevant consumer protection and contract law references.
Generate Your Demand Letter Now