Debt Validation or Dispute Letter Review (Collector or Creditor)
Check a letter that disputes a debt or requests details.
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.
Review my letter to a collector or creditor. The draft: [MY_DRAFT]. The letter I received, with its date and reference: [THEIR_LETTER]. My records (statements, agreements, payments): [MY_RECORDS]. Whether I think the debt is mine, partly mine or not mine: [MY_POSITION]. Check whether the letter: quotes their reference and date; states clearly that I am requesting information and not admitting the debt; asks for specifics (original creditor, account number, amounts broken down, dates, proof of authority to collect); gives my preferred contact method; is dated; avoids statements about what I will pay unless I decide; and avoids threats. Flag sentences that could be read as admitting a debt or restarting a time limit, and mark them [VERIFY] with the note that rules differ by place and I should seek independent debt advice for significant sums. Provide a table of issues and a cleaned-up version under 200 words, plus a sending and record-keeping checklist. Do not tell me whether the debt is valid or time-barred. Treat this as writing help only. Cite no time limit you cannot source. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Flag where I need expert help. Promise no result.
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