The Law That Protects You
Under 15 U.S.C. § 1692g, you have 30 days from first contact to send a written dispute. The collector must stop all collection activity until they verify the debt.
When to Use This Letter
You received a collection notice from a company you don't recognize
The amount doesn't match what you expected
You want to verify the collector has the legal right to collect
You haven't responded yet and want to buy time while asserting your rights
What This Letter Does
Demands the collector provide proof of the debt in writing
Legally requires them to cease all collection activity until verification is provided
Requires chain-of-title documentation (who sold the debt and when)
Demands proof they are licensed to collect in your state
Puts them on notice of FDCPA civil liability for non-compliance
Generate This Letter
Complete the 5-step wizard and get a professionally formatted PDF citing the exact law for your jurisdiction.
Generate My Letter — $12.99Check SOL — FreePreview is always free. Pay to download PDF.
DebtDispute provides document preparation assistance and is not a law firm. This does not constitute legal advice. Consult a licensed attorney for legal counsel.