Dispute Debt / Request Validation

Exercise your rights under the Fair Debt Collection Practices Act

Dispute / Validation Form

Full Name

Email Address

Phone Number

Account Number (if known) If you don't have an account number, leave this blank

Dispute Reason

Detailed Explanation Be specific. Include dates, amounts, and any relevant details.

Supporting Documentation Upload documents that support your dispute (payment receipts, police reports, etc.)
Accepted formats: PDF, JPG, PNG, DOC, DOCX | Max 5MB per file

Your Rights Under FDCPA

Under the Fair Debt Collection Practices Act, you have the right to:

Request validation of the debt within 30 days
Dispute the debt if you believe it's incorrect
Receive written verification before collection continues
Have collection activity paused during the dispute process

I certify that the information provided is true and accurate to the best of my knowledge. I understand that filing a fraudulent dispute may have legal consequences.

When to File a Dispute

You should file a dispute if:

You don't recognize this debt
The amount doesn't match your records
You've already paid the debt
This is the result of identity theft
The statute of limitations has expired
You need verification of the debt

Time Sensitive

You have 30 days from the initial contact to request debt validation.

Filing after this period is still possible but may not pause all collection activity.

What We Must Provide

Upon receiving your validation request, we must provide:

Verification of debt amount
Name of original creditor
Proof you owe the debt
Copy of original debt agreement (if available)
Account statements or transaction history

Common Dispute Reasons

Not My Debt: Never had account with creditor
Incorrect Amount: Balance is wrong or inflated
Already Paid: Debt was previously satisfied
Identity Theft: Fraudulent account in your name
Statute of Limitations: Debt is too old to collect legally

Important Notes

Disputing doesn't eliminate valid debts
Collection will pause during investigation
False disputes may have legal consequences
You may still owe the debt if validated
Credit reporting may continue if debt is validated

Need Help?

Questions about the dispute process?

Call: (510) 224-5390
Email: info@fixpayment.org