Build a debt validation request It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-keeping and dispute-drafting aid, not legal or financial advice. It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
FREE TIER1 Free Run AvailableFree preview — Pro locked
Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: FDCPA validation duties are unchanged and in force; the 30-day dispute window runs from the first contact notice, and later disputes still carry obligations.
Automated decision this documents: automated portfolio placement and collection
Free path, in order (no cost):
CFPB's debt-collection tools and complaint route (free)
Your state attorney general's consumer division
National Consumer Law Center and NACA directories for a low-cost or contingency lawyer
What this cannot do: It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time