Upload the notice you received. We draft a validation request that asks the collector to show the debt hasn't already been satisfied, resold, or duplicated — you read it before you pay a cent.
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…
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.
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.
Debts get resold, transferred between collectors, or re-aged in a company's system — and sometimes a paid or settled account gets billed again by mistake. When that happens, you're entitled to ask the new collector to prove the account is actually still open before you pay it twice.
Upload it and we'll help you work out what matters.
Upload it and PUSHBACK will read it, help you work out what matters, and draft the response for your situation.