Make them prove it: debt validation letter generator
Fill in a few fields and get a print-ready letter that demands a collector verify the debt before you do anything else.
Before you pay or panic, you have the right to make a debt collector prove the debt is really yours and really owed. This tool builds a validation request in your name. Review it, then print or copy it and send it, ideally by certified mail so you have proof. This is general educational information, not legal advice.
Before you send it: mail it by certified mail with return receipt so you can prove they got it, and keep a copy for your records. If you were contacted within the last 30 days, sending this preserves your validation rights under federal law.
Not a lawyer. Not a law firm. Not legal advice. This tool creates a general educational template based on the information you enter. It is not advice about your specific situation, and sending it does not guarantee any result. Your rights and deadlines depend on your circumstances and your state's law, and timing matters. Read anything you receive carefully, keep copies, and if you can, consult a licensed attorney in your state. If you have already been sued, a validation letter is not a substitute for responding to the lawsuit on time.