Federal and state laws protect you from unverified debt collection. Here's what collectors don't want you to know.
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.
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.
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.
Collectors cannot lie about the amount owed, threaten arrest, claim to be attorneys when they're not, or use any false or misleading representations.
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.
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.
Professional-grade tools that were previously only available to attorneys and credit repair specialists.
Upload collection letters and our AI instantly identifies FDCPA violations, missing disclosures, and validation defects.
Get a comprehensive score showing how likely a debt is to be invalidated based on documentation quality and legal compliance.
Generate state-specific, legally-compliant dispute letters tailored to your exact situation with one click.
Send dispute letters via USPS Certified Mail with tracking. We handle printing, postage, and delivery confirmation.
Never miss a response deadline. We track state-specific timelines and alert you when collectors fail to respond.
Securely store all documents, correspondence, and evidence with timestamps for potential legal proceedings.
DebtVerify provides tools to help you organize your documentation, monitor deadlines, and understand responses—so you can make informed decisions.
Upload your collection notice or enter the collector's information. We'll identify your state-specific rights and optimal strategy.
⚡ Takes 2 minutesWe create a legally-compliant validation demand letter customized to your state and situation. Review, approve, and send.
📄 State-specific templatesWe monitor deadlines and analyze whatever the collector sends back. Our AI scores their response against legal requirements.
🔍 AI-powered analysisBased on results, we recommend next steps: dispute with bureaus, file complaints, or negotiate from a position of strength.
✓ Clear path forwardThousands have used their legal rights to challenge unverified debts.
“The collector claimed I owed $470. DebtVerify showed me they couldn't produce the original agreement. Debt deleted from all three bureaus.
“I was getting calls daily about a medical bill I didn't recognize. Sent the validation letter, never heard from them again. It's been 6 months.
“The validation score showed their response was only 25/100. Used that to dispute with Experian. Removed in 18 days. My score jumped 47 points.
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