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Debt validation letter generator

Contacted about a debt you're not sure about? Fill in the details and this page drafts a validation letter you can copy or download and send yourself.

Know your rights: Under the FDCPA (15 U.S.C. §1692g) and Regulation F, you can dispute the debt and request verification in writing within the validation period, which ends 30 days after you receive the collector's validation notice. If you dispute in writing within that period, the collector must stop collecting the disputed debt until it sends you verification. Read the Your rights explainer.
[Your full name] [Your address] [City, State ZIP] October 8, 2026 [Collector name] [Collector address] Re: Request for debt validation To whom it may concern: I am writing about the notice I received on [date you received their notice]. Please provide verification of the debt, including the name of the original creditor, an itemized breakdown of the amount claimed, and a copy of any judgment if applicable. Pursuant to 15 U.S.C. §1692g, I dispute this debt in its entirety until it is verified. Please cease collection of this debt until you have provided the verification requested above (15 U.S.C. §1692g(b)). This letter is not an acknowledgment of the debt. Please send your response in writing to the address above. Sincerely, [Your full name]

Informational tool only, not legal advice. Owedly does not send this letter, and nothing you type is saved or sent; the draft stays in your browser. Copy or download it and mail it yourself, ideally by certified mail with return receipt, and keep a copy. Owedly is a software and staffing platform. Owedly does not buy or own debts; collection work is performed by the creditor, agency, or a licensed collector they authorize through Owedly.

Want a private space to manage this?

Owedly Resolve gives you one calm place to track requests, draft documents, and set communication preferences. Nothing is sent automatically.

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