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
Key dates extracted and tracked on your dashboard timeline

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.

What a finding looks like

SAMPLE FINDING — HIGH

Letter is missing the required validation notice — a potential FDCPA disclosure violation worth citing.

FROM YOUR DOCUMENT: "This is an attempt to collect a debt. Contact us immediately at..."

FREE DATE CHECK — NO ACCOUNT, NO AI

Is this debt too old to sue on?

Pick your state and the date of your last payment. Paste the letter too if you want it checked for a lawsuit threat, pressure to pay a little now, and the required validation notice. The answer comes from the verified statute for your state, not from an AI model. What you paste is used for this answer only and is not saved.

Run the free check now

Upload the document — PDF, photo, or pasted text. 3 free analyses a month with a free account — no card needed. Every finding cites the exact language it came from.

Start the free check →

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.