Debt Collection Dispute Letter
Produce a proper written dispute of an alleged debt: the account and original creditor as named on their notice, a plain statement that you dispute it, and a request for verification, an itemised statement and evidence of their authority to collect. It contains no offer to pay, no payment plan and no admission — because in many states acknowledging or paying an old debt can restart the limitations clock — and it tells you to send it in writing and keep proof of sending. Dispute windows are fields you copy from their notice, since they come from statute and differ by state.
Fill & print the form
Runs entirely in your browser — nothing is uploaded; your answers are saved only on this device.
Frequently asked
Why is there no deadline or payment option in the letter?
Dispute and limitation periods are set by statute and differ between federal law and your state, so the window is a field you copy from the collector's own notice. There is no payment language on purpose: acknowledging or paying a debt can restart the limitations clock in many states.
Is this legal advice, and does sending it mean the debt isn't real?
No to both. It is a documentation template, not legal advice, and a dispute is not a denial that any debt exists — it asks the collector to verify what they are claiming. If you are being sued or unsure, talk to a lawyer or a non-profit consumer credit counselling service.