Getting collection letters or calls?
Make them prove it first.
Legally challenge a debt before you pay a cent, for a flat $29.97 fee.
Under the FDCPA, a debt collector must prove they own your debt and have the legal right to collect before continuing contact. Our custom-trained AI model, trained on real, expert-drafted letters and not generic ChatGPT, turns that requirement into a personalized, certified-mail-ready letter.
A one-time payment, no subscription, and secure checkout.
Most collectors can't actually prove ownership
Force proof before you pay
Collectors must show they legally own the debt and have the right to collect it. If they can't, they're required to stop.
Protect your credit report
An unverified debt that a collector can't validate generally has to be removed from your credit file, not just marked disputed.
Stop paying on a guess
Old debts get resold and misattributed more often than people expect. Validation confirms you actually owe what's being asked before you send a dollar.
Drafted by a custom-trained model
Your letter isn't a ChatGPT prompt. It's generated by a model trained specifically on real, expert-drafted FDCPA validation letters, so the language and structure hold up.
From checkout to certified mail in four steps
No account required. Complete everything in one sitting.
Get instant access
Complete a secure checkout and unlock your personalized debt validation letter builder right away.
Add your details
Enter the collector's information and your debt details. The letter is formatted to your state automatically.
Send certified mail
Mail the finished letter via USPS Certified Mail with Return Receipt to create a paper trail the collector can't ignore.
Wait for their response
Collectors must pause active collection while they investigate. Many stop contact entirely once they can't produce proof.
One flat fee. Nothing else to buy.
Debt Validation Letter
- Formal written demand for proof of debt ownership
- FDCPA rights language included automatically
- Personalized with your and the collector's details
- State-aware formatting
- Certified-mail sending instructions
People who put collectors to the test
“This letter stopped a debt collector cold in about ten days. I mailed it certified and the calls just stopped. Genuinely amazing.”
Patricia M.
Verified client
“The collector couldn't produce any proof they even owned the debt. It was removed from my report entirely. Worth every penny.”
Angela T.
Verified client
“Fast, accurate, and a fraction of what an attorney consultation would have cost me. Saved a lot of stress on a tight deadline.”
Marc H.
Verified client
Debt validation letter FAQ
Still deciding? Here's what people usually ask before sending one.