A collection letter is designed to make you pay before you think. Federal law gives you 30 days to demand they prove the debt — and in Florida, an old debt may not be collectable in court at all. Paste the letter. You get what's valid, what's missing, what they can't do to you, and the letter that puts the burden back on them. Free.
Free decode
The whole thing if you can: the collector's name, the original creditor, the amount, the dates, and the date on the letter. Or describe the calls.
Why this exists
Thirty days to demand proof. No calls at work after you say stop. No telling your family about the debt. And in Florida, a five-year clock that many letters quietly ignore.
How it works
Collector, original creditor, amount, dates, the date on the letter. Mention any calls.
Required disclosures present or missing, your validation deadline computed from the letter date, the Florida limitations clock, and the things they did that the law forbids.
A validation / dispute letter that stops collection until they verify — by certified mail, with a copy kept.
Plans
For one person. Credit unions, legal-aid partners and churches license it for everyone who walks in with an envelope.
Your validation / dispute letter with the statute cited, the certified-mail checklist, a call log template, and the complaint steps if they keep going.
Branded decoder for your members or clients.
All prices in USD, handled by Stripe. The free decode never goes behind a paywall.
Common questions
No. Debt Letter Decoder explains what federal and Florida collection law requires; it is not legal advice and cannot confirm whether a debt is yours or time-barred. For that, use Florida legal aid (floridalawhelp.org), the CFPB, or a consumer attorney — FDCPA cases often cost you nothing.
Under the FDCPA and Regulation F, you generally have 30 days from the date on the collection letter to demand the collector prove the debt (validation). The tool computes that window from the letter date you paste in. Don't pay or promise to pay before validation.
The tool checks against Florida's statute of limitations, Fla. Stat. 95.11, to flag whether the debt may be past the collectable window. But the disclaimer is clear: the clock has exceptions — a payment or written acknowledgement can restart it — and this depends on facts the tool cannot see, so it can't give you a final answer.
The letter and the FDCPA, Regulation F, and Florida's FCCPA (Fla. Stat. 559.55–559.785) set limits on what collectors can say and do. Paste your letter or describe the calls and the tool will walk through what the law requires the letter to contain and what collectors can't do — but it's an explanation of the rules, not a legal ruling on your specific caller.
Yes — the decode is free, and there are no listed paid plans. The tool's own material doesn't spell out how pasted text is stored, so treat it like any online form: don't paste more than you'd want shared, and rely on the analysis for information, not confidentiality guarantees.
No. Debt Letter Decoder explica lo que exige la ley federal y la ley de Florida sobre cobros; no es asesoría legal y no puede confirmar si la deuda es suya o si ya prescribió. Para eso, puede acudir a la ayuda legal de Florida (floridalawhelp.org), al CFPB, o a un abogado de consumidores — los casos bajo la FDCPA muchas veces no le cuestan nada.
Según la FDCPA y el Reglamento F, usted generalmente tiene 30 días desde la fecha de la carta de cobro para exigir que el cobrador demuestre la deuda (validación). La herramienta calcula esa ventana a partir de la fecha de la carta que usted pegue. No pague ni prometa pagar antes de recibir la validación.
La herramienta revisa el plazo de prescripción de Florida, Fla. Stat. 95.11, para señalar si la deuda pudiera estar fuera del período en que se puede cobrar por la vía judicial. Pero el aviso es claro: ese plazo tiene excepciones — un pago o un reconocimiento por escrito puede reiniciar el conteo — y depende de hechos que la herramienta no puede ver, así que no le da una respuesta definitiva.
La carta y las leyes FDCPA, Reglamento F, y la ley de cobros de Florida (FCCPA, Fla. Stat. 559.55–559.785) establecen límites sobre lo que los cobradores pueden decir y hacer. Pegue su carta o describa las llamadas y la herramienta le explicará lo que la ley exige que contenga la carta y lo que los cobradores no pueden hacer — pero es una explicación de las reglas, no un dictamen legal sobre su caso particular.
Sí — el análisis es gratuito, y no hay planes de pago indicados. El propio material de la herramienta no especifica cómo se almacena el texto que usted pega, así que trátelo como cualquier formulario en línea: no pegue más información de la que esté dispuesto a compartir, y use el resultado como información, no como garantía de confidencialidad.
Built by the same team, free to try.