Before you pay or ignore it, you can ask the collector to prove the debt is real. Upload your notice and answer a few questions — we draft that request, ready to read before you pay.
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.
Under the Fair Debt Collection Practices Act, you have 30 days from a collector's first written contact to request validation — until they provide it, they're required to stop collecting. That 30-day window is also your cheapest, calmest chance to act.
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.
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.