Free Debt Validation Request Letter PDF
Generate a debt validation request letter you can send to a collector to demand proof of the debt.
Published November 22, 2025
When a debt collector contacts you, you often have a limited window to request validation. A clear, written letter helps you demand details and pause collection until they provide proof.
When to use this
- You received a collection letter and are within the validation period.
- You’re not sure the debt is accurate or belongs to you.
- You want a paper trail for complaints to regulators or legal aid.
How to do it (fast)
- Open the Debt Validation Request Letter tool below.
- Enter your contact information, the collector’s info, and account details.
- Choose whether you dispute the debt and want them to stop collecting until they validate.
- Add any extra details or context you want in the letter.
- Generate and download the PDF, then send it by certified mail and keep a copy for your records.
Why this helps
- Creates a written record that you requested validation within the deadline.
- Forces the collector to prove the debt instead of taking their word for it.
- Makes it easier to escalate to regulators or legal aid if they ignore your request.
Related tools
Not legal advice. Courts set their own rules. Keep your original records.