---
title: Debt validation packets
description: Prepare a debt validation or debt dispute packet online, then review and mail it with PostalForm.
seotitle: Debt validation packets
seo-description: Prepare a debt validation or debt dispute packet online, then review and mail it with PostalForm.
group: resources
indexable: true
llms: true
schema: webpage
published: 2026-04-19
updated: 2026-04-19
tags:
  - consumer
  - collections
  - debt
  - complaints
path: /forms/debt-validation-packets
---
# Debt validation packets

Prepare a debt validation or debt dispute packet online, then review and mail it with PostalForm.

## How it works
1. **Choose whether you are disputing the debt or requesting more information.** - 
2. **Enter the collector details, debt facts, and a short factual summary.** - 
3. **Upload the collector notice or other supporting documents and preview the assembled packet.** - 
4. **Confirm mailing details, continue to checkout, and mail it with PostalForm.** -


## Form summary
Debt Validation Packets helps you turn a debt collector response into a clean, mailed packet with a cover page, validation letter, factual summary, exhibit index, and supporting documents in print order.

## What you need
- Debt collector name and mailing address
- Any account or reference number you have
- Your mailing address
- Collector notice or at least one supporting document
- Collector notice (optional) — Upload the collection letter or notice you received, if you have it.
- Proof of payment (optional) — Payment confirmation, bank statement excerpt, or receipt showing the debt was paid or resolved.
- Settlement confirmation (optional) — Upload a settlement agreement or resolution confirmation if one exists.
- Identity theft documents (optional) — Upload any identity theft report, fraud affidavit, or related proof if it applies.
- Prior correspondence (optional) — Emails, letters, or messages you already exchanged about this debt.
- Other supporting documents (optional) — Upload any other supporting document you want appended behind the packet.

## Data collected
- Debt collector details and mailing address
- Original creditor, amount, account or reference number, and contact date if known
- Consumer name, mailing address, and optional signature
- Collector notice, proof of payment, prior correspondence, and other supporting exhibits

## Where it gets mailed
You will enter the recipient address during checkout.

## Packet order
- Cover sheet
- Main debt validation letter
- Optional factual summary and timeline page
- Exhibit index
- Uploaded exhibits in normalized order

## Common mistakes
- Mailing a generic note without identifying the collector or account reference if known.
- Skipping the collector notice or supporting proof.
- Leaving out the collector mailing address you want to use for the packet.
- Sending a packet without reviewing the final PDF first.

## Agent summary
Collect the debt collector details, debt facts, consumer details, and supporting exhibits needed to prepare a mailed debt validation or dispute packet.

## For assistants
Use the Forms Draft API to prefill this form and generate a preview PDF.
- Endpoint: `POST /api/forms/debt-validation-packets/drafts`
- Payload: `{ fields: { ... }, attachments: [{ id, label, base64 }] }`
- Required fields: lane_not_mine, lane_need_more_info, collector_name, sender_name, sender_address_line1, sender_city_state_zip, what_happened, collector_address_line1, collector_city_state_zip
- Attachment IDs: collector_notice, proof_of_payment, settlement_confirmation, identity_theft_documents, prior_correspondence, supporting_documents
- Notes: This workflow is for one consumer debt, one collector, and one mailed packet. It is not a generic legal-advice product or a bulk debt-management workflow.

## LLM field schema
```json
[
  {
    "id": "lane_not_mine",
    "label": "I do not owe this debt",
    "type": "checkbox",
    "required": true,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "lane_need_more_info",
    "label": "I need more information about this debt",
    "type": "checkbox",
    "required": true,
    "meta_class": "radio",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "modifier_paid",
    "label": "Already paid or settled",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "modifier_amount_wrong",
    "label": "Amount is wrong",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "modifier_identity_theft",
    "label": "Identity theft or fraud",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "modifier_wrong_person",
    "label": "Wrong person",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "modifier_not_enough_detail",
    "label": "Not enough detail provided",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "lane",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "collector_name",
    "label": "Debt collector name",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "original_creditor",
    "label": "Original creditor (if known)",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "account_reference_number",
    "label": "Account or reference number (if known)",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "debt_amount",
    "label": "Amount claimed (if known)",
    "type": "text",
    "required": false,
    "meta_class": "currency",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "contacted_at",
    "label": "When were you contacted?",
    "type": "date",
    "required": false,
    "meta_class": "date",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "contact_method_letter",
    "label": "Letter",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "contact_method_phone",
    "label": "Phone call",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "contact_method_email",
    "label": "Email",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "contact_method_text",
    "label": "Text message",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "contact_method_other",
    "label": "Other",
    "type": "checkbox",
    "required": false,
    "meta_class": "multi_select",
    "ui_width": null,
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "notice_summary",
    "label": "What did the collector say or claim? (optional)",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": "full",
    "group_id": "collector_debt",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_name",
    "label": "Your full name",
    "type": "text",
    "required": true,
    "meta_class": "name",
    "ui_width": null,
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_email",
    "label": "Email (optional)",
    "type": "text",
    "required": false,
    "meta_class": "email",
    "ui_width": null,
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_phone",
    "label": "Phone (optional)",
    "type": "text",
    "required": false,
    "meta_class": "phone",
    "ui_width": null,
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_address_line1",
    "label": "Your mailing address",
    "type": "text",
    "required": true,
    "meta_class": "address",
    "ui_width": null,
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_address_line2",
    "label": "Address line 2 (optional)",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_city_state_zip",
    "label": "City, state, and ZIP",
    "type": "compound",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": [
      {
        "id": "city",
        "label": "City",
        "metaClass": "city",
        "required": true,
        "uiWidth": "half"
      },
      {
        "id": "state",
        "label": "State",
        "metaClass": "state",
        "required": true,
        "uiWidth": "quarter"
      },
      {
        "id": "zip",
        "label": "ZIP",
        "metaClass": "zip",
        "required": true,
        "uiWidth": "quarter"
      }
    ]
  },
  {
    "id": "sender_signature",
    "label": "Signature (optional)",
    "type": "signature",
    "required": false,
    "meta_class": "letter_signature",
    "ui_width": "half",
    "group_id": "consumer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "what_happened",
    "label": "What happened?",
    "type": "textarea",
    "required": true,
    "meta_class": null,
    "ui_width": "full",
    "group_id": "summary",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "requested_response",
    "label": "Anything specific you want the collector to address? (optional)",
    "type": "textarea",
    "required": false,
    "meta_class": null,
    "ui_width": "full",
    "group_id": "summary",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "timeline_event_1",
    "label": "Timeline event 1 (optional)",
    "type": "compound",
    "required": false,
    "meta_class": null,
    "ui_width": "full",
    "group_id": "summary",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": [
      {
        "id": "event_date",
        "label": "Date",
        "metaClass": "date",
        "required": false,
        "uiWidth": "third"
      },
      {
        "id": "label",
        "label": "Event",
        "required": false,
        "uiWidth": "third"
      },
      {
        "id": "description",
        "label": "Description",
        "required": false,
        "uiWidth": "full"
      }
    ]
  },
  {
    "id": "timeline_event_2",
    "label": "Timeline event 2 (optional)",
    "type": "compound",
    "required": false,
    "meta_class": null,
    "ui_width": "full",
    "group_id": "summary",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": [
      {
        "id": "event_date",
        "label": "Date",
        "metaClass": "date",
        "required": false,
        "uiWidth": "third"
      },
      {
        "id": "label",
        "label": "Event",
        "required": false,
        "uiWidth": "third"
      },
      {
        "id": "description",
        "label": "Description",
        "required": false,
        "uiWidth": "full"
      }
    ]
  },
  {
    "id": "timeline_event_3",
    "label": "Timeline event 3 (optional)",
    "type": "compound",
    "required": false,
    "meta_class": null,
    "ui_width": "full",
    "group_id": "summary",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": [
      {
        "id": "event_date",
        "label": "Date",
        "metaClass": "date",
        "required": false,
        "uiWidth": "third"
      },
      {
        "id": "label",
        "label": "Event",
        "required": false,
        "uiWidth": "third"
      },
      {
        "id": "description",
        "label": "Description",
        "required": false,
        "uiWidth": "full"
      }
    ]
  },
  {
    "id": "collector_address_line1",
    "label": "Collector address line 1",
    "type": "text",
    "required": true,
    "meta_class": "address",
    "ui_width": null,
    "group_id": "recipient",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "collector_address_line2",
    "label": "Collector address line 2 (optional)",
    "type": "text",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "recipient",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "collector_city_state_zip",
    "label": "Collector city, state, and ZIP",
    "type": "compound",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "recipient",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": [
      {
        "id": "city",
        "label": "City",
        "metaClass": "city",
        "required": true,
        "uiWidth": "half"
      },
      {
        "id": "state",
        "label": "State",
        "metaClass": "state",
        "required": true,
        "uiWidth": "quarter"
      },
      {
        "id": "zip",
        "label": "ZIP",
        "metaClass": "zip",
        "required": true,
        "uiWidth": "quarter"
      }
    ]
  }
]
```

## Last verified
2026-04-19


## FAQs
- **Can I use this if I do not owe the debt?** Yes. One primary lane is for disputes where you do not believe you owe the debt.
- **Can I use this if I just need more information?** Yes. The workflow also supports a validation lane for requesting more information and documentation about the debt.
- **Will I see the final packet before mailing?** Yes. PostalForm generates the packet PDF first so you can review the letter, optional summary page, exhibit index, and supporting documents before checkout.


## Related
- [Card Billing Dispute Packets](/forms/card-billing-dispute)
- [Debt validation letter guide](/guides/debt-validation-letter)
- [Consumer complaint and credit-report guides](/consumer)
- [Credit report dispute packets](/credit-report-dispute-packets)