First-Class
A printed letter sent through USPS.
For everyday correspondence. Does not include Certified tracking.
Debt collection
Send a debt validation letter
Tell Genie who contacted you and what they claim you owe. It drafts the letter in your words, checks the collector's address, and we mail it for you.
First-Class from $3.99 · Certified Mail $9.99 with tracking and a delivery record
Prices shown cover a one-page letter. Extra pages and applicable tax cost more; review your total before paying.
See a sample before you start.
A complete fictional example. Genie drafts your letter from your own details, and you review every word.
John Doe
123 Happy Place
Anytown, US 12345
September 16, 2026
Acme Collections
123 Acme Way, Suite 200
Anytown, US 12345
Dear Account Review Team,
I am writing about your letter dated September 7, 2026, reference AC-7710, which states that $380.00 is owed to Acme Services. I dispute the account as described and request information supporting the amount claimed.
Your letter does not provide enough detail for me to match the amount to a transaction in my records. Please include the relevant dates and any account history you rely on, including an explanation of any fees. I would like to review the information before responding further.
Please identify the original creditor, explain how the balance was calculated and provide supporting documentation. Please send your response to my return address above. This request is not an acknowledgement that I owe the amount stated.
Sincerely,
John Doe
What this letter is
A debt validation letter is a written request asking a debt collector to verify a debt before you deal with it further. Under the federal Fair Debt Collection Practices Act (15 U.S.C. §1692g), a consumer who disputes a debt in writing within 30 days of the collector's initial notice is entitled to verification, and the collector must stop collection activity until it responds. You can raise a dispute by phone, but a call does not oblige the collector to prove anything — only a written dispute triggers the verification duty. That is why this is a letter and not a call.
What to put in it
- Your full name and current mailing address, matching the notice you received.
- The collector's name and the account or reference number printed on their letter.
- A clear statement that you dispute the debt and request validation of it.
- The date of the collection notice you are responding to.
- A request that the collector communicate with you in writing.
- Nothing that acknowledges the debt as yours — state the request, not an admission.
You can dispute a debt by phone, but only a written dispute obliges the collector to verify it — and the 30-day window runs from their first notice. Certified Mail adds USPS tracking and a delivery record, so the date you sent it is documented rather than argued about later.
From a prompt to the post office in 3 steps.
- 1
Describe it
Say what happened in plain words. No templates to pick.
- 2
Genie drafts & checks
It writes the letter in the right tone and finds the recipient's address.
- 3
Preview and send
Approve the exact letter and we post it. Certified adds tracking and a delivery record.
Choose how to mail it.
Drafting, printing, postage, and handling included. No subscription.
Good to know.
How long do I have to send a debt validation letter?
The FDCPA gives a consumer 30 days from the collector's initial written notice to dispute the debt in writing and request verification. A phone call inside that window disputes the debt, but it does not oblige the collector to verify it — that takes writing. Because mail takes time, send it well inside the window: PostalGenie typically hands a letter off for mailing within 1–2 business days, and First-Class letters usually arrive about 3–5 business days after that. Times are not guaranteed, so allow lead time.
Should I send it Certified?
Certified Mail is $9.99 and adds USPS tracking plus a record of delivery, which is what most people want when a statutory clock is involved. First-Class from $3.99 is the cheaper option if you do not need tracking or a delivery record.
Do you tell me what to say?
Genie drafts the letter from the facts you give it — it does not add claims you did not supply, and it is not legal advice. You edit the draft freely and see the exact letter before you pay; nothing is mailed until you approve it.
*PostalGenie is a technology tool, not a law firm. Letters generated through PostalGenie are not legal advice and may not satisfy specific legal notice requirements. Consult a qualified attorney for legal matters.
Other letters Genie sends.
Send a debt validation letter, today.
You say it. Genie drafts and sends it.
Start my validation letterDisclaimers
- Prices are shown exclusive of sales tax; applicable sales tax is calculated and added at checkout. The base price covers a one-page letter ($3.99 First-Class, $9.99 Certified Mail); for multi-page letters, $0.49 per additional page (and a one-time $5.50 large-letter fee for 6 or more pages) are added and shown before payment. Handwriting, a voice note and read aloud are optional $0.99 add-ons each, offered where available and also shown before payment. Letters may be up to 12 pages.
- Genie is an automated AI system, not a person. It drafts each letter from the information you provide and does not add facts or claims you did not supply. AI-generated output may vary or contain errors; you are responsible for reviewing and approving the final letter, and no letter is mailed without your approval.
- Address lookup and verification rely on third-party data and are provided on a best-efforts basis. Accuracy is not guaranteed; you are responsible for confirming the recipient’s address before sending.
- Delivery times are estimates, not guarantees. Statutory deadlines, notice periods and filing requirements vary by state, contract and program — check the ones that apply to you.