FREE CHECK · CONSUMERS
Debt Collection Letter Checker
The offer
Know your validation rights and the 30-day clock before you say anything to a collector.
What Main AI checks
- Required disclosures the letter must contain
- Your 30-day validation window and how to use it
- Signs of time-barred or re-aged debt
- FDCPA violations in the letter's language
- What responding (or paying) can restart
What you get
- The letter decoded line by line
- Your rights under the FDCPA, cited
- A validation-request draft letter
- A do-not-do list before the deadline
- Deadline tracking so the window is never missed
Why it matters
What you do in the first 30 days after a collection letter shapes everything after. The wrong reply can restart a dead clock; the right letter can end the matter.
Run the free check now
Upload the document — PDF, photo, or pasted text. First scan is free, no account required. Every finding cites the exact language it came from.
Start the free check →30-second analysis · source-cited findings · you stay in control
Questions
Should I pay it?
That's your call — Main AI shows what the letter actually establishes, what to demand in validation, and what the deadlines are, so the decision is informed.
Is my data private?
Documents are analyzed for you alone. See the privacy policy for specifics.