Check a Debt-Collection Letter Claim by Claim — Free, Before You Respond
Every claim in the letter is mapped to the documents that would prove it, so the validation request names the missing paperwork instead of disputing the debt in general. The free tier is the whole tool: every field, every state, the state link and one complete un-watermarked run. The one-time layer adds the printable copy and the local history shelf; it never removes or degrades the free result.
1 · Set the validation ticket
FIRST-LOAD · sample record filed, free run untouched
Data note: Everything is computed in this browser tab. Nothing you type is uploaded, and nothing is stored on our servers. Redact names and identifying details before you paste anything sensitive, and check the output against the named source before you act on it.
2 · Read the designed debt-collection validation ticket
GratisAI checked a collection letter claim by claim — two of the four assertions had no document behind them.
Boundary: This organises the claims and documents in a letter you received; it is not legal advice and it does not decide whether a debt is owed, enforceable or time-barred. Debt collection, limitation periods and validation rights differ by jurisdiction — keep every letter, respond in writing within the period that applies to you, and take advice from a qualified consumer attorney or an accredited debt adviser before paying or disputing.
One-time layer · $14
The on-screen result is free and complete. The one-time layer adds a tangible file you keep and the saved history that comes with it.
- Printable validation ticket — one perforated sheet per letter with the claims, the missing documents and the response date — estimate: ~40 minutes saved per letter
- Saved letter history — keep every letter and response in this browser so a changed amount or a new collector is provable — estimate: ~30 minutes saved per dispute
- Document request sheet — the numbered list of documents to request for each claim, printed under the ticket — estimate: ~30 minutes saved per response
ONE-TIME STEP · the free run is complete; the printable copy and saved history are the one-time step
Reveal the printable layer →Yours to keep, right where you are. Your one-time purchase gently unlocks this app on this device and browser — no account to create, nothing to remember. Everything you type stays privately in this tab, and your free result always stays complete.