Free tool
Fight your
collection notice
Federal law gives you 30 days to challenge any collection attempt. Generate a legally correct FDCPA letter and put the burden of proof back on the collector.
Loading your rights...
When you send one of these letters via certified mail, the collector is legally required to respond within 30 days. If they don't, they cannot legally continue collecting.
What kind of letter do you need?
Pick the one that matches your situation. Not sure? Debt Validation is the best starting point.
Loading letter types...
Your Information
Your return address goes on the letter. This is never stored or shared.
Collection Agency Details
Find this on the collection notice you received.
Optional. Helps establish your 30-day dispute window.
Be specific. Mention prior payments, billing errors, or incorrect fees.
Your letter is ready
How do you want to send this?
I'll mail it myself
FreePrint, sign, and take to any USPS location. Request certified mail with return receipt (~$8.20).
BillKarma sends it
$19We print and mail via USPS Certified Mail. You get a tracking number emailed to you. No post office trip required.