$29 flat fee · one-time

Generate your debt-collector dispute package

Preview is free. You only see a checkout button if we find FDCPA / validation defects.

Five short sections. We run the collector's letter against the §1692g(a) validation-notice checklist, check your phone log for §1692c(a)(1) unusual-time calls and Reg F 7-in-7 violations, and produce a dispute package you can mail via USPS Certified Mail.

About five minutes§1692g(b) written dispute + violation-notice letterVerbatim statutory citations, no damages claims

Skip typing — upload your collection letter

Drop the PDF once and we'll pre-fill every field for you. You can still correct anything before paying. Works with most collector letters from Midland, Portfolio Recovery, LVNV, etc.

You'll need: Collector's letter (validation notice)

Don't have the documents handy? Skip this step — the intake form below works on its own.

1. About you

The letter is sent in your name. Put exactly what you want the collector to see.

Your full nameEmailYour mailing address (street, city, state, ZIP)State

2. The debt and the collector

Put the collector's name exactly as shown on their letter or caller-ID — that's how the dispute is served.

Who is contacting you about this debt?Original lender, if different (optional)Amount they say you owe

Date of the FIRST letter or contact

What's your stance on this debt?

I dispute this debtI acknowledge this debtI'm not sure

3. The letter (optional but strongly recommended)

Paste the full body of the collector's letter. We check it against the §1692g(a) validation-notice checklist and the Reg F itemization-date requirement and cite any missing component with the verbatim statutory language.

Full letter textCollector's mailing address (optional)The letter came from someone identifying themselves as an attorney. (§1692e(3) — if no attorney actually reviewed it, that's a violation.)

4. Phone calls (optional)

Why we ask: §1692c(a)(1) forbids contact before 8 AM or after 9 PM in your local time, and Reg F caps contact at 7 calls in any 7-day window on the same debt. We run the math on your log so every qualifying call is cited.

No phone-log entries yet. Add one if you've been called by this collector.

5. Other signals (optional)

Have you already sent a “stop contacting me” letter? If so, what date?Evidence of that letter (optional — certified-mail receipt number, email send date, etc.)

Has the collector contacted anyone else about this debt?

§1692c(b) allows only narrow locator inquiries. Any disclosure of the debt to a third party beyond that is per-call actionable.

Include a formal §1692c(c) cease-communication letter with my package. (Only check this if you have not already sent one — duplicate cease-comm letters don't help.)

I've read and agree to the ClaimGap Terms of Service and Privacy Policy. I understand ClaimGap is not a law firm and does not represent me in this dispute.I understand this is a self-help document, not legal advice. ClaimGap generates a letter for me to review, sign, and send myself. I am the sender. Consider consulting a licensed attorney if my situation is complex.Include my anonymized case in aggregated industry benchmarks that ClaimGap may share or license to research organizations, journalists, consumer advocates, law firms, or industry partners. Cohorts of fewer than 11 cases are never published, and personal details (name, email, address, document contents) are never shared. You can revoke this at any time at [email protected].