A debt collector contacting you? Answer them in writing, and concede nothing.
AI drafts a letter to the collection agency under the Fair Debt Collection Practices Act — demand verification of the debt, tell them to stop contacting you, dispute it outright, or offer a settlement. Preview it free before you pay.
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What's actually happening.
A collection agency is calling you, mailing you, pressing you. Maybe the debt isn't yours at all. Maybe it is, but the amount is wrong, or nothing you have received actually shows who they are, who they bought it from, or what it is for. Maybe they are calling before 8 a.m. or after 9 p.m., or ringing your workplace after you told them to stop. The FDCPA gives you specific things you can put in writing, and every one of them starts the same way: a letter that states, on the record, that you dispute this debt and admit nothing. This is the collector track of our Charge and Debt Disputes letter — the same form and the same price, addressed to the collection agency instead of a merchant or a card issuer.
What we draft.
I am writing in response to your collection notice dated April 10, 2026, which I received on April 14, 2026, regarding the above-referenced alleged debt. I dispute this debt in writing, and I request verification of it under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g. This notice is given within thirty days of my receipt of your notice. Under 15 U.S.C. § 1692g(b), you must therefore cease collection of this alleged debt until you obtain verification of the debt or a copy of a judgment, or the name and address of the original creditor, and mail it to me. I also request, though I understand these are not documents the statute itself requires you to produce, an itemization showing how the claimed balance was calculated, the date of first delinquency on the account, and documentation of your agency's authority to collect this account. This communication does not constitute an acknowledgment of this debt, an admission of the validity of this debt, or an agreement to pay...
Full letter includes: your address block and theirs, the account reference and the amount claimed, and the one thing you asked the letter to do — demand verification, stop the contact, dispute the debt outright, or offer a settlement — written to the FDCPA provisions that actually apply to it. Where you give us the date their first written notice reached you and the letter goes out within thirty days of it, the letter asserts the § 1692g(b) duty to cease collection until they verify; where that date is unavailable, it disputes the debt and requests verification without claiming a deadline we cannot document. Anything the statute does not oblige them to produce — an itemization, the original agreement, proof of licensing — is asked for as a request and said to be one. Where you describe specific conduct, each incident is set out with the provision it appears to violate. Every letter closes by stating it is not an acknowledgment of the debt, an admission that it is valid, or an agreement to pay.
How it works.
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Pricing.
One-time generation — the same $24.99 as any Charge and Debt Disputes letter. This is that form's collector track, not a separate product with separate pricing.
Full letter as PDF and DOCX. You mail 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 U.S.C. § 1692g Validation of debts. Dispute in writing within thirty days of receiving the collector's written validation notice and it must cease collection until it mails you verification of the debt or a copy of a judgment, or the original creditor's name and address. That period runs from the notice arriving — not from a phone call, and not from the age of the account.
15 U.S.C. § 1692c Communication restrictions. No contact at an unusual or inconvenient time or place — absent knowledge to the contrary, before 8 a.m. or after 9 p.m. where you are — none at your workplace where the collector knows your employer forbids it, and none about the debt with third parties outside a narrow list. Under § 1692c(c), stating in writing that you refuse to pay or want contact to stop is what requires them to stop.
15 U.S.C. § 1692e False or misleading representations — misstating the character, amount, or legal status of a debt, threatening action that cannot legally be taken or is not intended, or using a name other than the collector's true business name. § 1692e(8) also bars reporting a disputed debt without reporting that it is disputed.
15 U.S.C. § 1692k Civil liability: actual damages, such additional damages as the court may allow up to $1,000 in an individual action, and costs plus a reasonable attorney's fee in a successful action, brought within one year of the violation. That $1,000 is a ceiling on what a court may allow in the case, not an amount earned per violation, and our letters never claim otherwise.
Regulation F The CFPB's implementing rule, 12 C.F.R. part 1006. It carries the call-frequency presumption — more than seven calls about one debt within seven consecutive days — which the letter invokes only where your own account of the calls supplies counts or dates that meet it.
State consumer protection law Where your state is in our verified table and the letter documents specific unlawful collection conduct, it cites your state's consumer-protection act by name, once, alongside the FDCPA. Where it is not, the letter relies on the FDCPA alone rather than naming a statute we cannot verify.
Who this isn't for.
We're honest about our limits. FightThis may not be right if:
- The account is a business debt rather than a personal one — the FDCPA protects consumers, not businesses.
- The collector has already sued you — a letter is not a defence to a lawsuit, and the court's deadline is the one that matters. You need an attorney for that.
- You want the account deleted from your credit report in exchange for payment — we will not draft that, and we never demand deletion of accurate information as the price of settling.
- You want the letter to declare the debt time-barred. Whether it is turns on your state, the kind of debt, and dates you may not have, and in some states a payment or a written acknowledgment restarts the clock. The letter can say you believe the debt may fall outside the limitations period and ask for the date of first delinquency; it will not assert the defence for you.
- The problem is what your credit report says rather than what the collector is doing — that is a Fair Credit Reporting Act dispute with the bureau, 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?
A written notice to the collector that you dispute the debt and want it verified. Under 15 U.S.C. § 1692g(b), where that dispute is made within thirty days of your receiving the collector's written validation notice, it must cease collection until it mails you verification of the debt or a copy of a judgment, or the original creditor's name and address. The clock runs from that notice arriving — not from the first phone call, and not from when the account went delinquent.
What does verification actually have to include?
Less than most people are told. By its terms the statute entitles you to verification of the debt or a copy of a judgment, and to the name and address of the original creditor. It does not require a payment history, a signed agreement, an itemized balance, or proof of licensing. Our letter asks for those anyway, because they are worth asking for — but it asks, and says plainly that it is asking, rather than pretending the statute compels them.
Will this stop the calls?
A letter that states in writing that you refuse to pay the debt, or that you want the collector to stop communicating with you, is what invokes 15 U.S.C. § 1692c(c). After that they may contact you only to say collection efforts are being terminated, or to notify you that they or the creditor may invoke, or intend to invoke, a specified remedy. It does not erase the debt and it does not prevent them from suing — the letter says so, because one that implies otherwise sets you up.
What if the debt is old enough to be past the statute of limitations?
We will not state that it is. Whether a debt is time-barred turns on your state, the kind of debt, and dates you may not have — and in several states a payment or a written acknowledgment restarts the period, which is exactly how a careless letter makes things worse. Where the age of the account makes the question live, the letter says you believe the debt may fall outside the applicable limitations period and asks the collector to state the date of first delinquency. It names no state limitations statute and concedes nothing.
Is this letter admitting the debt?
No. A validation, cease-communication, or dispute letter carries this sentence verbatim: "This communication does not constitute an acknowledgment of this debt, an admission of the validity of this debt, or an agreement to pay." A settlement letter says instead that the offer is made for settlement purposes only and is not an acknowledgment of the debt or an admission of its validity. Neither ever states or confirms a date of last payment.
What if I actually owe the money?
The collector still has to follow the FDCPA, and you still get to see what it can document. If you want to resolve it, pick the settlement option: the letter offers only a figure you supply, asks for written confirmation — before you pay anything — that the sum resolves the account in full and that it will not then be sold, transferred, or referred on, and concedes nothing about validity in the meantime.
Can I sue a collector who violates the FDCPA?
You have a private right of action: actual damages, such additional damages as the court may allow up to $1,000 in an individual action, and costs plus a reasonable attorney's fee in a successful action, brought within one year of the violation. That $1,000 is a ceiling on what a court may allow in the case, not a figure per violation. Where the conduct has been serious, many consumer attorneys take these cases on contingency.
Is this a different product from Charge and Debt Disputes?
No — it is the same one. This page exists because a debt collector letter is its own search, but the button takes you to the Charge and Debt Disputes form with the collector track already selected. Same price, same free preview, same checkout.
We mail it for you
The thirty-day validation window runs from the day their notice reached you, and it is on you to show when yours reached them. Certified mail with tracking puts that date on the record — we can send it for you in the same checkout.
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