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Dispute Your Debt
You can validate a debt within the first 30 days after a debt collector contacts you. If you suspect discrepancies, dispute the debt with one of our provided reasons. Most collectors accept disputes at any time, which can help verify both the debt's and the collector's legitimacy.
Why Dispute Your Debt?
- Pause Collection Efforts: Once you dispute, collectors must stop all collection activities until they verify your debt.
- Protect Your Finances: If the collector can’t prove the debt is yours, they are required to stop pursuing it.
- 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.