PUSHBACK

A collection letter isn't a verdict. Ask them to prove it.

We'll read your letter, work out what matters, and build your response.

Upload your letter →See how it works
your letter in · response out
RE: ACCOUNT 4471-88-2210

I dispute this debt in full and request validation under 15 U.S.C. § 1692g. I require documentation of the amount claimed, the name of the original creditor, and your authority to collect…

One page. Printable. Addressed to the collector on your letter.
see what pushback creates
what you gotcollection notice
Midland Credit Management
August 12, 2026
Re: Account 4471-88-2210
Dear Consumer,

Our records show you owe $1,240.00 on the above account. This amount is now past due. To avoid further collection action, remit payment in full within 30 days of this notice.

If you fail to respond, we may report this account to consumer reporting agencies and pursue additional collection remedies available to us.

Sincerely,
Midland Credit Management
what we draftvalidation request
August 15, 2026
Midland Credit Management
Re: Account 4471-88-2210 — written request for validation of debt

To Midland Credit Management: I am responding to your notice dated August 12, 2026. I dispute this debt in full and request validation under 15 U.S.C. § 1692g. Specifically, I require documentation of the amount claimed, the name and address of the original creditor, and evidence of your authority to collect on this account…

Until validation is provided, you must cease collection activity on this account. Please direct all further correspondence in writing to the address above.

The full letter — five paragraphs plus your signature block — is one page, ready to print.

You have 30 days. That's the law, not our promise.

Under the Fair Debt Collection Practices Act, you have 30 days from a collector's first written contact to ask them to validate the debt. Until they do, they're required to stop collection activity on it.

The CFPB publishes free sample letters you can adapt yourself — start there if you'd rather do it by hand. We charge for reading your specific letter and filling the request in for you.

Have your letter already?

Upload it and we'll help you work out what matters.

Check my letter →
112,600
CFPB complaints in 2025 about debts people say they don't owe.
+115%
Monthly average versus the preceding two years. You are not the only one holding one of these letters.

How it works

1 — Upload
Send us the letter
Take a photo, upload a PDF, or paste the text. We read it and pull out the important details.
2 — Check
Correct anything we misread
We show you what we found. Then tell us a bit about your situation — do you recognise the debt, already paid it, or think the amount's wrong?
3 — Push back
Review your response
We'll show you what we drafted. Correct anything that isn't right, then pay $29 to download the finished PDF.
Ready to deal with yours?
Upload your letter →

Questions people ask

What happens to your letter
  • We don't store your upload — we read it once to pull out the details, then it's gone.
  • We never contact the collector. You send the letter, on your terms.
  • No account, no marketing emails, no sold data.
Read the privacy note
Don't ignore it. Push back.
Upload your letter →$29 one-time · No subscription