Upload the collection notice you received. We draft a validation or dispute request from what it actually says about the account — not from assumptions about your card history.
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.
Credit card accounts get sold and resold between collectors, and balances can include fees or interest added after the account was closed. Before you pay a collector on a card account, you're entitled to ask them to prove the amount and their authority to collect it.
PUSHBACK only uses what's stated on the notice you upload — it doesn't assume anything about your specific transactions or account history that isn't written on the page.
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.