At work, on your cell, at dinner. And maybe the debt isn't even yours.
They can hang up on you.
They have to sign for this.
$39 $29 flat · About 5 minutes · No subscription
Mailed in 48h or your $29 back
What actually happens
6 quick questions. Who keeps calling, what they say you owe, what you want to happen.
A formal demand: prove this debt is actually yours, and stop contacting me.
A legal professional reads your letter before anything is printed or mailed.
USPS Certified to the collector. They sign for it — they can't say it never arrived.
Your letter is custom-drafted by AI trained on the Fair Debt Collection Practices Act, then reviewed by a licensed attorney. It disputes the debt, demands written validation, and invokes the collector's duty to pause collection until it proves the debt is yours.
USPS Certified Mail means the collector must sign a green receipt on delivery — putting your §1692g dispute on the record and giving you court-grade proof if the collector keeps collecting anyway.
A collector counts on you staying silent — every ignored call and unanswered letter makes it easier for them to keep pressing, report the debt, or even sue. Disputing in writing within 30 days forces the collector to pause and prove the debt on a legal deadline.
The collector signs for your letter. Your §1692g written dispute is officially on the record — with proof of the date.
Under §1692g(b), the collector must cease collection until it mails you verification of the debt — the original creditor and the amount owed.
Kept collecting without validating, or used false or misleading tactics? You may have a claim under §1692k (up to $1,000 + fees) — plus a CFPB complaint on record.
The signed delivery receipt is proof you disputed and demanded validation — the foundation for every FDCPA remedy that follows.
If a collector is pursuing a debt that's wrong, unproven, too old, or isn't yours, the FDCPA gives you the right to demand validation. Jab drafts the letter that puts the burden of proof back on them.
| Option | Jab | Debt-Settlement Company | DIY Template |
|---|---|---|---|
| Cost | 15–25% of the debt | Free | |
| Exact FDCPA statute citation | ✓ Always | Rarely | ✗ Generic form |
| Attorney review | ✓ Included | Rarely | ✗ None |
| USPS Certified Mail record | ✓ Included | Not always | ✗ You handle it |
| Forces written validation | ✓ Demanded & dated | Often just negotiates | Only if worded right |
| Time to send | 5 minutes | Days to enroll | Guesswork & edits |
Answer a few questions on Jab. We generate an FDCPA validation letter citing 15 U.S.C. §1692g, an attorney reviews it, and we mail it USPS Certified to the collector within 48 hours. The letter disputes the debt and demands written validation. $29 flat — no percentage-of-debt settlement fee.
Under the FDCPA (§1692g), you generally have 30 days from the collector's first written notice to send a written dispute and request validation. Disputing in writing within that window triggers the collector's duty to pause collection until it validates. You can still send a dispute after 30 days, but the automatic pause is strongest inside the window.
Under §1692g(b), once you dispute in writing and request validation, the collector must cease collection activity until it obtains and mails you verification of the debt. A certified, dated dispute creates a legal record that you invoked your FDCPA rights, and the signed delivery receipt is court-grade proof if the collector keeps collecting anyway.
The FDCPA governs third-party debt collectors, so validation demands go to the collector who contacted you. In the wizard you enter the collector's name and address from their notice; if there's more than one collector on the account, we can help you address the right one so your dispute lands on the record.
Under §1692c you can demand they cease or limit communication. If a collector uses false or misleading representations (§1692e) or keeps collecting after you disputed, the FDCPA (§1692k) allows statutory damages up to $1,000 plus actual damages and attorney fees. Your certified letter is the first step to documenting the violation.
If we can't mail your letter USPS Certified within 48 hours, full refund. If you receive your letter and feel it doesn't accurately reflect your dispute, contact support — we'll either revise or refund.
5 minutes to start. USPS Certified Mail to the collector within 48 hours. $29 flat — or your money back.
Send My Validation Letter — $29 →The deadline that applies, what the statute says happens when it is missed, and the code section so you can read it yourself.
See the federal debt-collection rules →