Debt Validation Prompter

Generate FDCPA validation / dispute / cease-contact letters (local templates). Optional AI polish is not wired by default—prompt pack is provided instead.

Inputs

Not legal advice. This formats consumer requests and preserves a paper trail. Keep copies and consider certified mail when appropriate.
Letter type
FDCPA 15 U.S.C. §1692g (validation) FDCPA 15 U.S.C. §1692c(c) (cease comm) FDCPA §1692d (harassment) FDCPA §1692e (misrepresentation) FCRA 15 U.S.C. §1681 (credit reporting)
Your info (consumer)
Collector / Furnisher info
Alleged account details
Communication controls
Communicate in writing only No phone calls No texts Do not contact employer email
Tip: If you’re logging harassment, keep dates/times + screenshots. Don’t argue by phone—force paper.
Auto-specific (optional)
AI settings (optional, not wired)
This build produces a prompt pack JSON you can run anywhere. No network calls are performed unless you implement them. If you do, keys remain browser-only.

Output

API key: not set Ready
Product note: Keep the letter factual and concise. If they can’t validate, that can support disputes with bureaus and complaints with regulators.