A debt collector won't stop?
FDCPA gives you specific rights. Most collectors fold when you exercise them. We write the letter that does it.
Drafting tool. Not legal advice.
What's actually happening.
A debt collector is calling you, mailing you, threatening you. Maybe the debt isn't yours. Maybe it is, but it's past the statute of limitations. Maybe they're calling before 8 AM or after 9 PM. Maybe they lied about who they are. You have specific rights under the FDCPA, and most collectors fold when you cite them. Most people don't know what to say.
What we draft.
Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, I hereby demand verification of the debt you claim I owe. This is not a refusal to pay; it is a request for verification as required by law. Please provide: (1) the name and address of the original creditor; (2) a copy of the original signed agreement; (3) proof that your agency is licensed to collect debts in my state; (4) the complete payment history since the original account opening. This letter does not constitute acknowledgment of this debt...
Full letter includes: FDCPA citation, verification demand, cease communication request if applicable, statute-of-limitations language, and 'this does not admit the debt' disclaimer.
How it works.
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Pricing.
One-time generation. The letter pays for itself if the debt is invalid or time-barred.
Full letter as PDF and DOCX. You mail it.
We mail USPS first class on your behalf.
Certified mail with return receipt. Recommended — creates proof you sent it.
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Laws we cite.
We ground every letter in real statutes and regulations. Here's what applies to your situation:
15 USC § 1692g Validation of debts — collector must provide verification within 30 days if you dispute within 30 days of first contact.
15 USC § 1692c Communication restrictions — no calls before 8 AM or after 9 PM, no contact at work if you say not to, no contact at unusual places.
15 USC § 1692e Prohibition on false, deceptive, or misleading representations by debt collectors.
15 USC § 1692k Civil liability — up to $1,000 in statutory damages plus attorney fees for FDCPA violations, regardless of actual harm.
Who this isn't for.
We're honest about our limits. FightThis may not be right if:
- The debt involves a business account — FDCPA protects consumers, not businesses.
- You're being sued in court — you need an attorney for that, not a letter.
- The debt is secured by collateral (like a car loan) — those have separate procedures.
- You want to contest a credit bureau report — that's a Fair Credit Reporting Act (FCRA) dispute, which we also support.
If your situation is high-stakes, please find a local attorney. Many state bars have free or low-cost referral services.
Common questions.
What is a debt validation letter?
Under FDCPA § 1692g, you have the right to demand that a collector verify the debt is valid, the amount is correct, and they have the right to collect it. If you send this within 30 days of first contact, they must stop collection activity until they verify.
What if the debt is past the statute of limitations?
A time-barred debt (typically 3–7 years depending on state and debt type) cannot be legally collected through courts, but collectors may still try. Our letter invokes the SOL and demands they cease. Importantly, we include language to avoid inadvertently restarting the clock.
Can I sue a collector who violates the FDCPA?
Yes. FDCPA violations entitle you to up to $1,000 in statutory damages plus actual damages and attorney fees. If the violations are clear, many consumer attorneys take these cases on contingency.
Will this stop the calls?
A proper cease-communication letter sent by certified mail legally requires the collector to stop contacting you (with narrow exceptions). Continued contact after that is itself an FDCPA violation.
What if I actually owe the money?
That's separate from your rights. Even if the debt is valid, collectors must follow the FDCPA. A validation demand buys you time, verifies the amount, and often leads to settlement offers.
Is this letter admitting the debt?
No. We explicitly include "this communication does not constitute an acknowledgment of this debt" language — standard FDCPA practice.
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