Dispute Your Debt
You can validate a debt within the first 30 days after you receive the collector's validation notice. If you suspect discrepancies, dispute the debt with one of our provided reasons. You can still send a dispute after the validation period, but the collector may not be required to pause collection.
Why Dispute Your Debt?
- Pause Collection Efforts: If you dispute in writing within the validation period, the collector must pause collection until it sends you verification.
- Ask for Proof: A dispute asks the collector to show information about the debt and who it belongs to.
- Validate Collector Legitimacy: Ensure that the debt collector is authorized and the debt is valid.
- Gain Peace of Mind: Take control of your financial situation without pressure.
How It Works
- Fill Out the Form: Enter your information and debt details.
- Choose Your Option: Download and send the letter yourself or let us mail it for you.
- Wait for Verification: Debt collectors must investigate and validate the debt before proceeding.
Sample dispute letter. We'll prepare yours after you complete the form.