Debt Validation Request Letter
Request that a debt collector prove you owe the debt under FDCPA § 1692g. Includes state-specific statutes of limitations and credit bureau dispute language.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
New here? Read the full guide on debt collection first.
One-time price:$19Paid once at the end. No subscription.
What you'll get
Below is a real example. Your version will be personalized with your name, the exact statute that applies where you are, 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 Action Plan
This letter is part of a formal escalation process.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, return to us using the link in your email receipt. You will unlock the next stage document at a discounted rate.
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.
Before you start
What exactly do I get, and when?
A personalized PDF letter, written around the statute that applies to your situation, with the deadline and the consequence spelled out. It downloads the moment payment confirms, back here on commoner-law.com — there is no waiting period and no account to create. You can also add certified mail at checkout and we will send the physical letter for you.
How much is it?
$19, once. Not a subscription, and nothing is charged until you complete payment on Stripe at the end of the wizard. Any add-ons you select show their own price before you pay.
Is this legal advice?
This tool creates a debt validation request letter for self-help purposes. It is not legal advice and does not replace consultation with a licensed attorney. Requesting debt validation does not eliminate a valid debt — it requires the collector to prove the debt is yours and the amount is correct. If you have been sued or served with court papers, you MUST respond to the court within the deadline stated in the court papers, or you may receive a default judgment against you. A debt validation letter does NOT serve as a response to a lawsuit. If you are a victim of identity theft, file a report at IdentityTheft.gov and consider consulting an attorney who specializes in identity theft recovery.
What if I need to change something afterwards?
Tell us and we will either adjust the letter and send you the updated version at no cost, or refund you in full — your choice. If we can’t deliver what you paid for, the refund is automatic. Full terms are on our promise page.
Do I have to pay to know if I have a case?
No. The rights encyclopedia on this site is free and cites the same primary sources the letter does. Read the relevant guide first — plenty of situations are resolved by a phone call to a free statutory body, and where one exists we say so.