About This Site

What This Site Does

Validation Letters is a free, browser-based tool that builds a debt validation letter under 15 U.S.C. §1692g of the Fair Debt Collection Practices Act. You answer a short set of questions, and the letter is written for your situation — a third-party collector, a debt buyer, or an original creditor each get different language, because the law treats them differently. You can see a full worked example on the sample letter page before building your own on the generator.

Nothing you type is sent to a server. The letter is built and rendered entirely in your browser, and export — to PDF, Word, or plain text — happens the same way. There's no account, no email address, and no paid tier.

Who Maintains It

This site is maintained by an individual, not a law firm, a company, or a credit repair organization. There's no legal team behind it and no attorney reviewing your specific situation. It exists to make one narrow legal right — the ability to ask a debt collector to prove a debt before it keeps pursuing you — easier to exercise correctly, in writing, without paying for a template.

How the Legal Citations Are Checked

Every legal claim on this site is checked against the primary source it comes from — the United States Code, the Code of Federal Regulations, or a state statute — rather than against a secondary summary of it. Where a page quotes a statute directly, it's marked as verbatim; where it summarizes one, that's marked too. Pages that carry legal claims show the date that text was last checked against the official source, so you can judge how current it is rather than take it on faith.

That doesn't make this site a substitute for reading the statute yourself or for advice from a licensed attorney about your specific facts — it means the starting point is the government's own text, not a rewritten version of it.

What This Site Is Not

This site is not a law firm, does not create an attorney-client relationship, and does not offer legal advice about your specific situation — it states general rules, and never tells you whether to dispute a debt you know is yours. It is not affiliated with any government agency, and it is not a credit repair organization: it makes no promise about what will happen to a debt after you send a letter, because that isn't something a document can guarantee.

The full rules for using this site are in the Terms and Conditions, and how it handles the information you type is in the Privacy Policy. If something here is unclear, or you've found a citation that looks out of date, you can reach out.