How DebtValidate.com works
From a confusing collection notice to a real conversation about your options, in a few minutes. Plain language, no pressure, no cost to you.
Answer a few questions
Tell us who's contacting you, what kind of debt it is and roughly how much. It takes about two minutes. We don't ask for account numbers and there's no credit pull.
Get matched
We connect you with an independent provider who focuses on collections. That may be a consumer-law firm, a debt settlement company or a credit repair organization, depending on your situation.
Talk it through — free
The provider reviews your notices with you, explains your options and what each one costs before you decide anything. There's no obligation.
What happens on the provider call
Helpful to have
- Any letters or notices from the collector
- The date you were first contacted
- Any court papers you've received
You do NOT need
- Your account numbers
- A credit pull
- To know whether the debt is valid
What we don't do
We don't collect, dispute or settle debts ourselves, and we don't give legal, tax or financial advice. We help you understand your rights and connect you with an independent provider. You can always dispute a debt directly with a collector yourself at no cost. See our Marketing Partners page for who may contact you, and Do Not Sell or Share for your privacy choices.
Ready to find out if they can prove it?
Free review. Two minutes. No obligation.