Debt Validation Tools

Debt Collectors Must Prove It Before You Pay

Federal law gives you the right to demand proof of any debt. DebtVerify provides tools to help you create validation requests, track deadlines, and review collector responses.

Start Your Validation See How It Works

70%

of debts fail proper validation

30days

to demand verification

5min

to get started

Validation Analysis Live

Original signed agreement Missing

Chain of assignment Missing

✓

Account balance statement Provided

Itemized ledger Missing

Validation Sufficiency Score 25 / 100

⚡ Insufficient Validation Detected

✓ FDCPA Protected

🔒 Evidence Secured

Know Your Rights

The Law Is On Your Side

Federal and state laws protect you from unverified debt collection. Here's what collectors don't want you to know.

FDCPA § 809(b)

Right to Validation

Within 30 days of first contact, you can demand the collector prove the debt is yours and the amount is correct. They must stop collection until they provide it.

FDCPA § 805(c)

Right to Cease Contact

You can demand collectors stop contacting you entirely. After receiving your written request, they can only contact you to confirm they'll stop or to notify you of legal action.

FCRA § 611

Right to Dispute

If a collector reports to credit bureaus without proper validation, you have the right to dispute. Bureaus must investigate within 30 days or remove the item.

FDCPA § 807

Protection from Deception

Collectors cannot lie about the amount owed, threaten arrest, claim to be attorneys when they're not, or use any false or misleading representations.

State SOL Laws

Statute of Limitations

Every state has a time limit on debt lawsuits. Once expired, collectors cannot legally sue you—though they may still try to collect. Know your state's limits.

FDCPA § 813

Right to Sue

If collectors violate your rights, you can sue them. Successful claims can recover actual damages, up to $1,000 in statutory damages, plus attorney fees.

Simple Process

From Demand to Resolution

DebtVerify provides tools to help you organize your documentation, monitor deadlines, and understand responses—so you can make informed decisions.

Enter Debt Details

Upload your collection notice or enter the collector's information. We'll identify your state-specific rights and optimal strategy.

⚡ Takes 2 minutes

Generate Validation Letter

We create a legally-compliant validation demand letter customized to your state and situation. Review, approve, and send.

📄 State-specific templates

Track & Analyze Response

We monitor deadlines and analyze whatever the collector sends back. Our AI scores their response against legal requirements.

🔍 AI-powered analysis

Take Action

Based on results, we recommend next steps: dispute with bureaus, file complaints, or negotiate from a position of strength.

✓ Clear path forward