A formal debt validation or dispute letter citing your rights under the FDCPA and FCRA.
Just $19 — a fraction of what an attorney charges for the same letter
Protect Your Credit — $19“A collector kept calling about a debt I did not recognize. I sent the validation letter and never heard from them again.”Kevin R., Tampa, FL
“They were reporting a paid-off debt on my credit report. The dispute letter got it removed within 30 days.”Angela W., Charlotte, NC
“I was getting five calls a day from a collector. The cease communication letter stopped them cold.”Thomas B., San Diego, CA
Force collectors to prove the debt is valid and that they own it.
Challenge inaccurate items on your credit reports.
Legally demand that a collector stop contacting you.
Respond to collection notices for debts you do not recognize.
Provide your debt and collector information.
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Your formal letter arrives in your inbox within minutes.
Dear National Recovery Services,
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, I am exercising my right to request validation of the alleged debt referenced in your correspondence dated January 22, 2026, Account #NRS-88421.
Please provide: (1) verification of the amount claimed, (2) the name and address of the original creditor, (3) a copy of the original signed agreement, and (4) proof that your agency is licensed to collect in my state.
Until this debt is validated, you must cease all collection activity as required by federal law.
Sincerely,
Kevin R. Williams
Provide your debt details and we’ll draft a professional letter asserting your rights under federal law.
After payment, check your email in 5-10 minutes. For support, contact hello@debtshield.com or (646) 397-6421.
Under the Fair Debt Collection Practices Act (FDCPA), Section 809, you have the right to request that a debt collector verify a debt within 30 days of first contact. The collector must cease collection until they provide validation.
After receiving a cease communication letter, a collector may only contact you to confirm they will stop contacting you, or to notify you of a specific legal action. Any other contact is a federal violation.
A credit bureau dispute letter requires the bureau to investigate the item within 30 days. If the creditor cannot verify the debt, the bureau must remove it from your report.
No. These letters assert your rights under federal law (FDCPA and FCRA). Anyone can send them. DebtShield produces letters with the correct legal citations for your situation.
Contact hello@debtshield.com within 24 hours for revisions or a full refund.
This letter is a template generated by DebtShield, a service of Immutable Software LLC. It is not sent by an attorney, and does not constitute legal advice. This letter states facts as provided by the user and references generally applicable consumer protection laws. For legal advice specific to your situation, consult a licensed attorney.