How to Make a Debt Validation Letter - The Ultimate Guide (2024)

Fact-checked by George Simons, JD/MBA

As household debt in the U.S. rises to $17.29 trillion in 2024, with increases across mortgage, credit card, auto loan, and student loan balances, it’s essential for consumers to manage and challenge potentially erroneous claims from debt collectors.

As consumers battle debt collectors, oftentimes they discover they don't even owe the debts they're being hounded for.

The savviest consumers fight off collectors by sending a Debt Validation Letter. This article will show you how to make and send a Debt Validation Letter and why it can help you get debt collectors off your back once and for all.

Don't like reading? Watch this video instead.

What is a Debt Validation Letter?

A debt validation letter is a written request you send to a debt collector asking them to provide evidence that the debt they claim you owe is indeed yours and is valid. It is your first chance to assert your rights before debt collectors.

If a debt collector has contacted you about a debt, you should respond with a Debt Validation Letter within 30 days of initial contact.

You have a right to request debt validation

A Debt Validation Letter is a type of legal demand letter that asserts your rights listed in the Fair Debt Collection Practices Act.

According to § 809(a) of the FDCPA, a debt collector must provide the following five points within five days of attempting to collect on a debt:

1. The amount of the debt.
2. The name of the creditor.
3. The collector will assume the debt is valid unless the consumer sends them a Debt Validation Letter within 30 days.
4. If you send the collector a Debt Validation Letter they will need to mail you validation of the debt.
5. If you send them a Debt Validation Letter they will need to mail you the name and address of the original creditor.

So, the debt collector must provide these five points within five days of contacting you about the debt. Then, you have 30 days to send them a Debt Validation Letter if you dispute any aspect of the debt, as outlined in § 809(b) of the FDCPA, which states:

“If the consumer notifies the debt collector in writing within the thirty-day period . . . that the debt, or any portion thereof, is disputed . . . the debt collector shall cease collection of the debt . . . until the debt collector obtains verification of the debt . . . and a copy of such verification . . . is mailed to the consumer by the debt collector.”

So, if a collector doesn't provide these five points within five days of initial contact, or if they continue to contact you without validating the debt upon request, then they've violated the FDCPA and you can sue them for $1,000 or more. If you don't send the letter within 30 days, you can still send it — but it may not be as powerful.

The graphic below illustrates the timeline you should follow when sending a Debt Validation Letter.

SoloSuit's Debt Validation Letter makes it easy to respond to collectors.

Follows these steps to make a Debt Validation Letter

Sending a Debt Validation Letter can be a simple and straightforward process. Begin writing the letter by adding the contact information for you and for the debt collector. Specify how you were contacted, and provide info to help the collector identify the debt.

Next, follow these three steps to make up the bulk your Debt Validation Letter:

1. Assert your rights.
2. Request validation.
3. Send the letter.

Let's take a minute to explain each step in detail.

Step 1: Assert your rights

Since a Debt Validation Letter is a type of legal demand letter, yours should cite some law to make it sound more legit. Quoting the FDCPA will show the debt collector that you mean business.

Here are some other specific legal rights you you can assert in your Debt Validation Letter:

• Don't contact me except to validate the debt.
• Report to the credit bureaus that the debt is disputed.
• If you validate the debt, cease contacting me for any reason other than to tell me you're suing me.

It's easy to make these points with SoloSuit's Debt Validation Letter.

You can close by threatening legal action — legal action for the debt collector violating the FDCPA or for harassing you. Threatening legal action is nearly always a good move.

Step 2: Request validation

Next, make the collector validate your debt. You should ask the collector to provide the following information:

• Proof you owe the debt
• The exact amount of the debt
• The age of the debt
• The debt collector’s documented ownership of debt account
• The debt collector’s license, or right to collect on the debt in your state
• A calculation of whether the statute of limitations has expired for collecting the debt
• The last action taken on the account (i.e. your last payment on the account)

These are just some of the demands for validation you should include. The bulk of your letter will be requests for validation. For example, SoloSuit's Debt Validation Letter is three pages long, and mostly contains requests for validation of specific aspects of the debt in question.

Step 3: Send the letter

To send the letter, you need to print the letter and mail it via a trackable method. This means you need to have access to a functional printer, and you need to know how to use the post office.

We've found mailing via USPS Priority Mail is usually the best option. It provides a tracking number, arrives quickly, and costs a predictable $7.50.

You might also consider mailing via USPS Certified Mail with a return receipt, but certified Mail is a huge hassle. It takes forever to prepare, and it takes forever to arrive. Return receipts seem only like a good way for USPS to make a few extra dollars. There is no evidence they are any more valid in court than a tracking number showing the document has been delivered. Signature requests provide a way for a recipient to impede delivery. So, we recommend you just stick with Priority mail.

Generally, the letter should be mailed to the person most immediately attempting to collect the debt. This may be an attorney or collections firm working for the creditor or bank.

Use SoloSuit to make your Debt Validation Letter

SoloSuit can take care of all of this for you. Our Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it. Just answer a few questions online, and our software will generate a personalized Debt Validation Letter for you.

Sending a Debt Validation Letter can stop collection calls

To understand why a Debt Validation Letter is so important, it's helpful to understand how the debt collection process works.

Banks and lenders sell unpaid debts to debt collectors for 4% of the value of the debt on average. Debt collectors then attempt to collect the debts from consumers. If they are unsuccessful, they may file a lawsuit to collect the debt. Frequently, the sale from the bank to the debt collector is poorly documented. So, the debt collector may be unable to verify they own the debt and unable to verify who owes the debt.

If you send them a Debt Validation Letter, it makes it more difficult and more expensive for them to collect the debt. They need to keep their costs low to be profitable. This letter raises their costs, making it more likely they will fold.

In some few cases, it may be a good strategic move to lie low and not send a Debt Validation Letter. This may be a good option if the statute of limitations is nearing expiration. That said, we generally believe this strategy is dubious.

Another benefit of the Debt Validation Letter is that it can make the calls stop. It can do this in two ways:

1. Under FDCPA §809(b), if the letter disputes the debt, “collection activities and communications” must cease.


2. Under FDCPA §805(c), the consumer can request the collector “cease further communication.” In this case, the collector can only contact you to tell you they're going to sue you. In this way, you can use the Debt Validation Letter to raise the stakes, forcing the collector to sue you or get lost. If they sue you, you can use SoloSuit's lawsuit response document to win your case.

Use this Debt Validation Letter template

SoloSuit's Debt Validation Letter template allows you customize a letter to your case and debt circumstances. Our Debt Validation Letter has proven to stop debt collectors in their tracks, and the best part about it is it only takes a few minutes to draft online.

Just respond to a few questions regarding your debt, and SoloSuit's software drafts the letter for you. It's really that simple.

If you are on a tight budget, you can use this template, courtesy of SoloSuit:

[Your Name]
[Your Address]
[City, State, ZIP Code]

[Date]

[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]

Re: [Account Reference Number, if available

Dear [Debt Collector's Name],

I am writing in response to your [letter/call] dated [date of the collector's communication, if available], regarding the alleged debt. Under the Fair Debt Collection Practices Act, Section 809(b), I am requesting validation of this debt.

Please provide me with the following information:

• The amount of the debt;
• The name of the original creditor;
• Documentation proving that I have a legal obligation to pay this debt;
• Verification that the debt is within the statute of limitations.

I would like to remind you that until this debt is validated, all collection activities must cease. This request is not an acknowledgment of the debt, but a statement of my rights to dispute the debt until it is properly validated.

Thank you for your attention to this matter. I expect your response within the legally mandated timeframe.

Sincerely,

[Your Name]

FAQs about debt validation

Here are some frequently asked questions about debt validation and how the Debt Validation Letter can benefit regular consumers, like you.

Should I use a Debt Validation Letter?

Yes. Nearly every time someone is contacted by a debt collector about a debt, they should respond with a Debt Validation Letter. The letter forces the collector to treat you with respect and to get serious about the matter.

49 percent of all complaints filed with the FTC about debt collectors state the debt collector attempted to collect a debt that wasn't owed. And 53 percent of people who are contacted by a debt collector say they're being contacted about a debt they don't owe or a debt of the wrong amount.

So, lots of people are being hounded by debt collectors for money they don't owe. The Debt Validation Letter is your guardian.

If you don't dispute the debt then “the debt will be assumed valid by the debt collector,” according to the FDCPA. That's not good. By not filing a Debt Validation Letter, you are sacrificing your rights.

Why should I send a Debt Validation Letter?

Here are reasons why a Debt Validation Letter is beneficial in nearly all encounters with a collector:.

• If you don't owe the debt, then the collector is likely to fold because they can't provide validation of it.
• If you only owe some of the debt, then the collector will be forced to prove the amount you actually owe. This can remove thousands of fraudulent dollars added on top of the actual debt.
• If you owe the full debt, then the collector still may not be able to show proper documentation that you owe it, or they might not be able to show documentation that they own the debt and have the right to collect on it.
• If the debt collector is able to validate the debt, then you will still benefit by having additional information about the debt. The letter will put you in a better place to negotiate a settlement. And you can request the collector cease contacting you.

SoloSuit's Debt Validation Letter helps you take advantage of your situation.

What if the debt collector doesn't validate the debt?

If a debt collector doesn't validate the debt after receiving your Debt Validation Letter, then they have violated the FDCPA. If the debt collector didn't include those five points, mentioned above, in a correspondence within five days of first contacting you, then they violated the FDCPA. You can sue them for $1,000 for each violation. You can also report them to your state's attorney general, the FTC, and the Consumer Financial Protection Bureau (CFPB).

What if the debt collector validates the debt?

Sometimes a debt collector will successfully validate the debt. Even if they do this, you don't have to pay off the debt entirely. You have a few options.

• Send a cease and desist letter, requesting they stop contacting you except for by lawsuit.
• Make a settlement offer to satisfy the debt by paying only a percentage of it.
• Do nothing. Wait for the statute of limitations to expire.
• Pay the full amount of the debt.

Generally, the first two options are best.

Can I use a Debt Validation Letter to respond to medical bills?

Yes, a Debt Validation Letter is a great way to verify a medical debt.

It's not uncommon to receive a medical bill for a balance that you already paid off or for a debt that is so old, you don't even recognize it. Medical institutions are required by law to prove the debt is valid in order to report it to the credit bureaus or take you to court over it.

Additionally, scammers frequently send out mass notifications claiming all the recipients owe money for medical services. Sending a Debt Validation Letter will stop these fraudsters in their tracks.

What is the difference between a Debt Validation Letter vs. debt verification letter vs. debt dispute letter?

Basically, these three letters are really the same thing. Sometimes a Debt Validation Letter is called a debt verification letter or a debt dispute letter. The FDCPA doesn't specify these names, and it uses the words “validate” and “verify” interchangeably. At SoloSuit, we call the letter sent by the consumer to the debt collector the Debt Validation Letter because that's what most regular people call it.

Technically speaking, the debt verification letter (also known as the debt dispute letter) is the document sent by the consumer to the debt collector. And the letter sent by the debt collector to the consumer to show proof of the debt is the Debt Validation Letter. But like we said, these terms are used interchangeably.

In reality, the correspondence between a debt collector and a consumer is messy. There may be multiple letters, interspersed with phone calls and emails.

How does a Debt Validation Letter work?

Sending a Debt Validation Letter to a debt collector forces them to validate your debt before they can continue collection efforts.

Here’s consider an example of how a Debt Validation Letter works.

In this example, Eilish violated the FDCPA by not providing information about the debt within five days. Ariana did the right thing by responding with the Debt Validation Letter. And in the end, Ariana got off the hook.

What should I do after mailing the Debt Validation Letter?

Here are two important steps to follow after sending a Debt Validation Letter.

• Check your credit report with the credit bureaus to make sure the debt collector reported the debt as disputed.
• Keep good records of your correspondence with the collector. If it's not documented, it didn't happen. Taking pictures with your phone of any correspondence is a good place to start.

What if I missed the deadline to request debt validation?

If you don't dispute the debt then “the debt will be assumed valid by the debt collector,” according to the FDCPA. That's not good. By not filing a Debt Validation Letter, you are sacrificing your rights.

It's like a pesky ex-boyfriend who thinks if he texts you “I love you” and you don't respond, that means you love him to. And then he keeps texting you. Forever.

The FDCPA states the consumer must notify the collector “within thirty days.” It doesn't say what happens if the letter is sent after the 30 days. As far as we know, the letter can still have some sway, but it won't be as powerful.

The FDCPA also states “the failure of a consumer to dispute the validity of a debt” doesn't constitute “an admission of liability” for any future lawsuits. So, if you don't send a Debt Validation Letter, you can still win a later lawsuit, and in that lawsuit, it is still up to the collector to prove you owe the debt.

Can a debt collector contact me after I request debt validation?

After you send a Debt Validation Letter, the debt collector can only contact you for one of the following reasons:

• To notify you that they are no longer going to attempt to collect the debt.
• To notify you that they have the right to "invoke specified remedies", or in other words, sue you.
• To notify you that they plan to move forward with a debt collection lawsuit.

This is outlined in the Fair Debt Collections Practices Act, 15 USC 1692g §805(c), which states:

(c) Ceasing communication
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.”

SoloSuit asserts the right sections of the FDCPA for you.

Do Debt Validation Letters really work?

Yes, they do. When a debt collector receives a Debt Validation Letter, they are legally required to provide validation of the debt. Debt Validation Letter's work best when they include a cease and desist clause that forces a lawsuit. This increases the cost of collection and makes it more likely the collector will drop the case.

What is a debt verification letter?

Sometimes a Debt Validation Letter is called a debt verification letter or a debt dispute letter. And the letter sent by the debt collector to the consumer to show proof of the debt can be called a Debt Validation Letter. The FDCPA doesn't specify these names, and it uses the words “validate” and “verify” interchangeably. At SoloSuit, we call the letter sent by the consumer to the debt collector the Debt Validation Letter because that's its most common name.

What if a collection agency never contacted me?

Even if a collection agency never contacted you, a debt can still end up on your credit report or you still might be sued for the debt. Sometimes people don't hear about the debt until they are sued for it. If you're sued for a debt, you can use SoloSuit to respond to the lawsuit. If you have a debt on your credit report, you can dispute it with the credit bureaus.

This flowchart shows the potential paths a debt collection lawsuit can take:

What if you receive a letter from a collection agency?

If you receive a letter from a collection agency, you should respond with a Debt Validation Letter, requesting they show proof the debt is valid. You need to do this within 30 days.

SoloSuit can help you make a Debt Validation Letter in just 3 minutes.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act