Debt Validation Request Letter
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What you'll get
Below is a real example. Your version will be personalized with your name, your state's exact statute, and the right deadline.
David L.
4521 Elm Street
Austin, TX 78701
April 2, 2026
RE: Account No. 887-44512 — Demand for Debt Validation
To Whom It May Concern:
On March 27, 2026, I received your initial communication regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, I am exercising my right to dispute this debt and request validation.
Within 30 days of your receipt of this letter, you must provide: (1) the amount of the debt, (2) the name of the original creditor, (3) verification or a copy of any judgment, and (4) proof that you are licensed to collect debts in Texas.
Until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit bureau. Continued collection without validation is a violation of 15 U.S.C. § 1692g(b) and may subject you to statutory damages under § 1692k.
The full letter — including the statute citations for your state — is shown above. Only the recipient block, signature, and mailing instructions are masked. They appear in the PDF you download after payment ($19).
Your Situation
Tell us about the debt collection contact so we can tailor your validation request.
This determines which state consumer protection law applies in addition to the federal FDCPA.
The date you first received communication from this debt collector. Under the FDCPA, you have 30 days from the initial contact to request validation, which obligates the collector to cease collection until verification is mailed.
WARNING: If more than 30 days have passed since the collector's initial contact, the collector is not legally required to stop collection activity while investigating your request. You can still request validation, but the 30-day window under 15 U.S.C. § 1692g(b) may have closed.
The amount the collector claims you owe.