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Debt Validation Letters in Microsoft Word Format

When debt collectors contact you about money you may owe, they are required by law to provide you with certain information:

  • The name of the creditor you supposedly owe money to.
  • The amount you owe.
  • That you have the right to dispute the debt, but if you don’t dispute it within 30 days of being contacted, the debt collector can assume it is valid.
  • That if you dispute the debt in writing, the debt collector must provide written evidence of the debt.


  •  If debt collectors first contact you by phone, insist that they instead contact you in writing. They are then required to send you a debt validation letter within five days, containing all of that information.

  • When disputing a debt, make sure you date your letter and send it via certified mail, so you have a record of when the debt collector received it. 

     If you are requesting additional information, your letter should ask for details on why the debt collector believes you’re responsible for the debt, how old the debt is, and whether the agency is licensed to collect it.

What you'll get:

  • A Powerful letter that will aid in. reclaiming your rights to make the debt collector prove that you indeed owe the money.


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