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Letter generator

Three letters, drafted privately

Each template is grounded in federal FDCPA law. Fill in the fields, preview the letter, and print or copy it — none of what you type leaves your browser.

Client-side only · no email · nothing logged

Debt-validation request

Asks the collector to verify the debt in writing and to pause collection until it does. Most useful within 30 days of first contact.

Cease-communication request

Tells the collector in writing to stop contacting you. Use with care — it can prompt a lawsuit on a debt that is still within the limitations period.

Time-barred-debt notice

States that you believe the debt is past your state's statute of limitations and asks the collector not to sue. Does not admit the debt or restart the clock.

Build a letter now

Switch between the three letter types with the tabs. The time-barred-debt letter can auto-fill your state's verified statute-of-limitations period.

Asks the collector to verify the debt in writing and to pause collection until it does. Most useful within 30 days of first contact.

You (sender)
The collector / creditor
The debt
Debt-validation request — preview
[Your full name]
[Your street address]
[City, State ZIP]

[Date]

[Collector / creditor name]
[Collector address]

Re: Account/Reference No. [account / reference number]

To Whom It May Concern:

I am writing regarding the account referenced above, which you contacted me about. I do not concede that this debt is valid, owed by me, or accurate, and this letter is not an acknowledgment of the debt.

Under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, I request that you provide written verification of this debt, including:

  1. The amount of the debt and an itemized statement of how it was calculated;
  2. The name and address of the original creditor;
  3. Documentation showing that you own or are authorized to collect this debt; and
  4. A copy of any signed agreement or contract you contend obligates me to pay.

Until you mail the verification described in § 1692g(b), I request that you cease collection of this debt. Please direct all further communication regarding this matter to me in writing at the address above.

Thank you for your attention to this request.

Sincerely,


[Your full name]

What this letter is grounded in

Tip: send by mail and keep a copy. For the debt-validation letter, certified mail with return receipt creates a dated record. None of your input here is sent to us.