Product
Debt Validation Letter
For a person who just received a collections letter or call and wants to force the collector to prove the debt is real before paying a dollar. Paste who contacted you, the amount, the date, and whether you recognize the debt, and get a FDCPA 15 USC 1692g-compliant debt validation letter (or a cease-communication letter if you already know the debt isn't yours), formatted for certified mail with the 30-day deadline preserved and the exact five documents the collector is legally required to produce. Runs an SOL-revival guard so no phrasing accidentally revives a time-barred debt, force-inserts the anti-acknowledgment clause verbatim, strips PII the user pasted from the collection notice, runs a fabrication guard on invented amounts / dates / creditors, gates the FDCPA cease-invocation to third-party collectors only (pivoting to a state UDAP demand if you named an original creditor), and hard-refuses to draft anything if a lawsuit summons has already been served (routing you to Legal Services Corporation + SoloSuit instead).
About this tool
What does debt validation letter do?
For a person who just received a collections letter or call and wants to force the collector to prove the debt is real before paying a dollar. Paste who contacted you, the amount, the date, and whether you recognize the debt, and get a FDCPA 15 USC 1692g-compliant debt validation letter (or a cease-communication letter if you already know the debt isn't yours), formatted for certified mail with the 30-day deadline preserved and the exact five documents the collector is legally required to produce. Runs an SOL-revival guard so no phrasing accidentally revives a time-barred debt, force-inserts the anti-acknowledgment clause verbatim, strips PII the user pasted from the collection notice, runs a fabrication guard on invented amounts / dates / creditors, gates the FDCPA cease-invocation to third-party collectors only (pivoting to a state UDAP demand if you named an original creditor), and hard-refuses to draft anything if a lawsuit summons has already been served (routing you to Legal Services Corporation + SoloSuit instead).
How does Debt Validation Letter work?
Paste the collector's name and address, the amount they claim you owe, how they first contacted you, the date of first contact, whether you recognize the debt, and the goal you have in mind (request validation, cease all contact, cease workplace contact only, or dispute and request validation). One structured AI pass returns a certified-mail-ready letter that cites the correct FDCPA subsection for your goal, computes the 30-day validation window from your first-contact date, enumerates the five documents 15 USC 1692g(b) requires the collector to produce, force-inserts the anti-acknowledgment clause verbatim, strips personal information you pasted from the collection notice, and logs every defensive rewrite into a receipts panel so you can see the pass ran.
What is a debt validation letter under the FDCPA?
A debt validation letter is a written demand under 15 USC 1692g(b) that forces a third-party debt collector to prove the debt is real before you pay a dollar. The FDCPA gives you 30 days from the first contact to send it. Once received, the collector must pause collection activity until they produce the five items 1692g requires: the original creditor's name and address, the amount at charge-off, the original contract or signed account agreement, an itemized post-charge-off statement of every interest and fee added, and chain-of-assignment documentation proving they own or are authorized to collect the debt.
What is the difference between a validation letter and a cease-communication letter?
Different statutes, different goals. A validation letter cites 15 USC 1692g(b) and demands proof. A cease-all-contact letter cites 15 USC 1692c(c) and orders the third-party collector to stop contacting you, with the mandatory carve-out that lets them send one final notice or a lawsuit. A workplace-only stop cites 15 USC 1692c(a)(3) and uses the anchor phrase 'my employer prohibits such communication' that FDCPA case law names as the trigger. Debt Validation Letter picks the right subsection for the goal you select and never mixes them.
Do FDCPA cease-communication rights apply to the original creditor?
No. 15 USC 1692c(c) applies to third-party debt collectors only. If you invoke 1692c(c) against your original bank, hospital, utility, or landlord, the letter is legally worthless because that party is not covered by the statute. The tool runs a gate that pattern-matches original-creditor names and, if you asked for cease communication against one, pivots the letter to a state Unfair and Deceptive Acts and Practices demand instead, pointing you at your state Attorney General's consumer complaint portal.
Will this letter make the debt go away or clear my credit report?
No, and any tool that promises otherwise is misleading you. Validation pauses collection activity until the collector produces the required documents. If they produce them, the debt is still owed. If they cannot produce them, they must stop collecting and stop reporting the account as undisputed to Equifax, Experian, and TransUnion. Debt Validation Letter never promises an outcome. It forces the compliance step that most collectors quietly fail, then hands you the certified-mail receipt as evidence.
What if the 30-day validation window has already passed?
The letter still has force after 30 days. The framing changes, not the substance. Inside the window the opener invokes your 1692g(b) right and the date the window began. Outside the window the opener still disputes the debt, still demands validation, and additionally demands the collector cease reporting it as undisputed to the credit bureaus while validation is pending. The tool computes the window from your first-contact date and swaps the opener accordingly.
Will the letter accidentally revive a time-barred debt?
The single biggest risk with debt letters is a phrase that acts as a partial payment or debt acknowledgment and restarts the statute of limitations clock in most states. The tool runs an SOL-revival strip on every draft that catches and rewrites the offending patterns: 'I will pay when I can', 'let me make a partial payment', 'I acknowledge this debt but', any dollar figure you did not paste, and similar phrasing. The anti-acknowledgment clause is force-inserted verbatim into every letter. The tool refuses to assert or imply your debt is time-barred even if you provide state and last-payment date, because that is a legal claim you need a licensed attorney to make.
What if a lawsuit summons has already been served?
The tool hard-refuses to draft a validation letter and routes you to Legal Services Corporation (lsc.gov), your state bar's Lawyer Referral Service, and SoloSuit which is purpose-built for the court answer. A served summons requires a formal answer within your state's response window, usually 20 to 30 days. Missing that window becomes a default judgment against you. A validation letter is not a substitute for the court answer and pretending otherwise would cost you the case.
How is this different from Nolo, SoloSuit, or a free template on Reddit?
Free templates give you a generic letter and hope you know which parts to change. Debt Validation Letter picks the correct FDCPA subsection for your goal, computes the 30-day math from your date, enumerates the five 1692g documents verbatim, runs the SOL-revival strip, runs the fabrication guard, strips SSN and full account numbers, runs the original-creditor gate that catches you invoking rights that do not apply, runs the lawsuit-summons hard refusal, and routes you to the correct next primary tool per debt archetype (payday, medical, wage-garnishment, ordinary consumer). Every defensive pass that fires is receipted so you can verify.
Which tier should I pick, Quick or Deep?
Pick Quick (15 tokens on Gemini Flash Lite) when you have several routine validation letters to send this week and just need a settleable pass in the mail today: primary statute cited, 30-day math, five-document demand, anti-acknowledgment clause, and the SOL-revival subset strip. Pick Deep (30 tokens on Gemini Flash) for the collections account you actually intend to fight: full SOL-revival lexicon strip with rewrites, the full jurisdiction-and-archetype-routing escalation footer (payday, medical, wage-garnishment, consumer branches), and the complete fabrication guard that catches invented amounts, dates, and original creditor names.
What does it cost?
From 15 tokens. Pick a tier on the form above. Produde tokens are a prepaid platform credit; buy them once and spend on any tool.
Do I pay if a run doesn't complete?
No. You only pay for results. If a run can't finish, its full token cost stays in your wallet automatically.
Is my data stored?
Your input and the run output are saved to your account so you can browse history. They are not sold, shared with advertisers, or used to train shared models. See privacy for details.