Debt

Prove It Letter

Send this letter when a debt collector contacts you about an old or unfamiliar debt. They must prove the debt exists before you need to pay anything.

79%

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3.8k+

People Helped

14 days

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Dear [Debt Collector Name],

Re: [Reference Number]

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.

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Escalation Versions

If you need to escalate, use these progressively stronger versions.

What To Do Next

1
Send this letter by recorded delivery if possible
2
Do not admit to the debt or make any payment
3
Keep copies of all correspondence
4
They must provide proof within a reasonable time

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Prove It Letter

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Escalation Versions

Friendly VersionA polite, conversational approach that maintains a positive relationship while addressing your concerns.

Firm VersionA more direct approach that clearly states expectations and sets deadlines for resolution.

Regulation-Based VersionReferences specific laws and regulations that support your claim, adding legal weight to your request.

Ombudsman / ADR EscalationFinal escalation to regulatory bodies or Alternative Dispute Resolution services.

What To Do Next

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