Credit & disputes

Send a debt validation letter online

Under the Fair Debt Collection Practices Act (FDCPA), you have 30 days from a debt collector's first written notice to demand validation of the debt. Type your letter, enter the collector's address, and we mail it through USPS within 24 hours.

Mail a debt validation letterSee pricing
From $5 per letterMailed via USPSShipped within 24 hoursNo printer needed

How it works

Four steps. Most letters take under two minutes from sign-in to mailed.

  1. 1

    Write your validation request

    Demand FDCPA-compliant validation: original creditor, amount, dates, and the collector's authority to collect.

  2. 2

    Enter the collector's address

    Use the address printed on the collection notice. Address the letter to the collection agency, not the original creditor.

  3. 3

    Pay the flat fee

    One price covers printing, envelope, postage, and USPS delivery.

  4. 4

    We mail within 24 hours

    You receive a dated email confirmation. The PDF is retained on your order page.

Who this is for

  • Consumers contacted by a debt collector about an unfamiliar debt
  • People disputing the amount owed
  • Identity theft victims
  • Anyone who wants the collector to stop calling and respond in writing

Common use cases

Unfamiliar debt

You receive a collection notice for a debt you do not recognize.

Disputed amount

The amount the collector claims does not match what you owe.

Time-barred debt

The debt is potentially beyond the statute of limitations in your state.

Identity theft

The debt was incurred fraudulently in your name.

What you can rely on

PostPal is operated as a utility, not a marketing channel. We do one thing: print and mail your documents through USPS.

Domestic
$5
2-5 business days
International
$10
7-14 business days
  • Mailed via USPS within 24 hours
  • PDF of the letter retained on your order page
  • Dated email confirmation as evidence of when the request was sent
  • Privacy-respecting — files deleted after mailing

Frequently asked questions

Are debt collectors required to respond under the FDCPA?

Yes. Under the FDCPA, if a consumer requests validation in writing within 30 days of the collector's initial written notice, the collector must cease collection efforts until they provide validation. The validation must include the amount, the original creditor, and proof the collector has authority to collect.

What should I ask the collector to validate?

Ask for: name of the original creditor, the original account number, the date the debt was incurred, the amount of the original debt, the chain of assignment if the debt was sold, and confirmation the debt is within the statute of limitations for your state.

Should I admit the debt is mine in the letter?

No. Validation letters should request information without admitting the debt. Acknowledging the debt in writing can in some states restart the statute of limitations. Stick to requesting validation.

Should I send by Certified Mail with Return Receipt?

Many consumer protection attorneys recommend Certified Mail with Return Receipt for FDCPA validation letters. The green card is proof the collector received the letter — useful if you later sue under the FDCPA. PostPal mails standard First-Class Mail; for Certified Mail, contact us before paying.

What if the collector keeps calling after I send the letter?

Once a written validation request is received within 30 days of initial notice, the FDCPA requires the collector to stop collection until validation is provided. Continued collection without validation may be an FDCPA violation — you can complain to the CFPB and consider consulting a consumer protection attorney.

Related solutions

Other ways to send mail through PostPal.

Ready to send?

Type a letter or upload a PDF. We mail it via USPS within 24 hours.

Mail a debt validation letter — $5See all solutions