Under federal law, debt collectors must verify a debt — in writing — before they can keep collecting. Tell us about the collector, and within minutes you'll have personalized dispute letters in your inbox, ready to mail. $39. One time. No subscription.
Re: Account XXXXXX — Collector name
To Whom It May Concern:
I dispute the alleged debt referenced above. This is my written dispute under 15 U.S.C. §1692g…
You are required to cease collection until you mail verification of this debt…
Direct all future correspondence in writing.
Federal law gives you real power over debt collectors — but only if you use it in writing, and fast.
Sources: CFPB 2025 Consumer Response Annual Report; 15 U.S.C. §1692k.
Your strongest rights kick in when you dispute in writing within 30 days of first contact — the collector must stop collecting until they prove the debt. After that, the automatic pause is gone. Every day you wait is leverage you lose.
Phone calls don't trigger your federal rights. Arguing with a collector changes nothing. A proper written dispute cites the exact statutes their compliance department answers to — that's what we write.
Nearly half of CFPB debt-collection complaints involve harassment or threats. Collectors push because most people never push back — in writing. Three letters change the dynamic completely.
Who's contacting you, what they claim you owe, and when they first reached out. Upload their letter if you have it. Takes about five minutes.
One-time payment on a secure checkout page. No subscription, no upsells, no surprise fees.
Once payment confirms, our AI drafts your personalized dispute letters and emails them as ready-to-send PDFs — usually within minutes. Print, sign, mail them certified. If your letters don't arrive within 24 hours, it's free.
An excerpt from the validation-demand structure we use — formal, statute-cited, and written to be answered. Every letter is drafted for your specific situation; this shows the caliber.
To Whom It May Concern:
I dispute the alleged debt referenced above. This letter is my written dispute under 15 U.S.C. §1692g, made within 30 days of your initial communication dated MM/DD/YYYY.
You are required to cease all collection activity until you have mailed me verification of this debt, including the name and address of the original creditor and an itemized accounting of the amount you claim is owed.
Direct all future correspondence regarding this matter to the address above, in writing. This is not an acknowledgment of the debt.
Illustrative excerpt — your letters are drafted from scratch for your situation.
Cheaper than one hour of a lawyer's time — for letters that can stop the calls.
Real reviews from people who used ProofOrDrop.
Fill out this form (about 5 minutes), then complete your one-time $39 payment on the secure checkout page. Your letters arrive by email within minutes of payment.
No. ProofOrDrop is not a law firm and does not provide legal advice. We're specialists in writing clear, statute-cited dispute letters from the information you provide. If your situation needs a lawyer — say you're being sued — we'll tell you that honestly instead of taking your $39.
No — and run from anyone who promises that. These letters force collectors to prove the debt is yours, accurately stated, and theirs to collect. Many debt buyers can't produce real documentation, and when they can't, they have to back off. What we guarantee: professional, personalized letters in minutes, or your money back.
You can still dispute in writing — do it. But here's the honest version: the automatic "stop collecting until you prove it" trigger is strongest inside the 30-day window after first contact. That's why the form asks for that date, and why you should mail your letters this week, not next month.
The federal FDCPA rules apply to third-party collectors; original creditors play by different rules. Tell us who you're dealing with in the form and your letters will cite the right law — we don't bluff with statutes that don't apply.
Print, sign, and mail each one via USPS Certified Mail with Return Receipt Requested. Keep copies of everything. The green receipt card is your proof they received it — that's what makes the letters enforceable. Regular mail proves nothing.
Keep a log: dates, times, what was said. Each violation of a written cease request can mean up to $1,000 in statutory damages plus attorney's fees under federal law — which is exactly why consumer attorneys take these cases on contingency. Your letter email includes what to track.
Yes. Your details are used only to write your letters — we never sell, share, or publish them. Uploaded files are stored encrypted, visible only to us, and automatically deleted after 30 days.