Free tool

When is your validation deadline? Check now.

The clock runs from the notice you were sent, not the day they first called.

A woman reads a collection letter carefully at her kitchen table.

Find your validation deadline

Two questions. We show you on screen the date to work to. No account, and nothing about your answers is saved.

When did you receive the validation notice?

Does the notice print a dispute deadline? Enter it if so. (optional)

The honest part

Asking a collector to validate a debt is your right, and it costs nothing to do yourself. What we prepare, for a flat fee, is the written request that obliges them to pause and prove it. First, get the words for the call. Get the free collector call script.