A debt collector writes to you about a debt that you do not recognise, that has the wrong amount, or that you already paid. Federal law lets you dispute it in writing. Your AI app writes the letter with you. We print it and mail it in your name by USPS Certified Mail with return receipt.
Why a letter, not e-mail
- The law asks for writing. If you dispute the debt in writing by the end date on the collector's validation notice (about 30 days after you receive it), the collector must stop collecting until it sends you verification of the debt or a copy of a judgment (15 U.S.C. § 1692g(b); 12 CFR 1006.38(d)(2)).
- E-mail counts only where the collector accepts it. Regulation F counts an e-mail or a website portal as writing only through a channel that the collector accepts from consumers (12 CFR 1006.38, comment 38-1). A letter to the address on the notice needs no such check.
- The CFPB suggests certified mail for a dispute. "It's also generally a good idea to send the dispute by certified mail" (CFPB).
Example to copy
A debt collector, [name], sent me a notice about account [number]. I [do not recognise the debt / dispute the amount / already paid it]. Write a letter to the address on its notice. Dispute the debt and ask for verification and the name and address of the original creditor. Then mail it by Certified Mail.
Your AI asks for the collector's name, address and reference number. It writes the letter with you; it does not invent facts. The CFPB sample letter is a good starting point.
Good to know
- The notice names the last day. The validation notice states the end date of the validation period (12 CFR 1006.34). We do not calculate it. The handover to USPS usually takes up to 3 business days, and USPS then needs about 3–5 business days. Approve the letter well before the end date.
- The debt does not go away. If the collector sends verification, it can continue to collect.
- Keep records. Keep the PDF preview and every letter from the collector. Send copies of your documents, not the originals.
- We do not offer debt relief, debt settlement or credit repair. We print and mail the letter that you approve, in your name.
FAQ
Does the letter prove what I wrote?
No. USPS records the delivery and the signature, not the content. Keep the PDF preview as your copy of the letter.
Do I get the green return receipt card?
You get the tracking number and the USPS tracking link, which shows the delivery. We cannot get the signed return receipt for you yet.
What if the end date has passed?
The verification rule in § 1692g(b) applies to a written dispute within the validation period. The CFPB explains your other options on its debt collection pages. We give no legal advice. For advice on your case, contact a lawyer or a legal aid office.
Can I also ask the collector to stop contacting me?
Yes, in a separate letter. See Ask a debt collector to stop contacting you.
Does the letter carry my signature?
The letter carries your typed name, not a handwritten signature.
Can I send it from outside the United States?
No. USPS accepts only a US return address, so the sender must be in the United States.
Sources
Checked on 20 October 2026.
- Fair Debt Collection Practices Act, 15 U.S.C. § 1692g
- Regulation F: 12 CFR 1006.34, validation notice and validation period; 12 CFR 1006.38, disputes, and its official interpretation (comment 38-1, electronic disputes)
- CFPB: What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? (reviewed 2 August 2023)
- CFPB sample letter: "This is not my debt"
Use it with Claude, ChatGPT, Grok or Mistral Vibe
Before the launch, only invited testers can create an account. Everyone else can join the waitlist.
Add Agent Letter Desk to your AI app once, with this server URL: https://
- Claude (claude.ai, desktop and mobile): Add to Claude opens Claude with the name and the URL filled in. Select Add, then Connect. Sign in and allow access. In a chat, select + › Connectors and turn on Agent Letter Desk. By hand: Customize › Connectors › + Add › Add custom connector, then paste the URL.
- ChatGPT (chatgpt.com): copy the URL and open ChatGPT. Plugins › Add › Add custom MCP server. Paste the URL, choose OAuth, sign in and allow access. Worked on the Free plan when we checked (13 October 2026). OpenAI decides which plans can add one.
- Grok (grok.com): copy the URL and open Grok's connectors. New connector › Custom. Enter a name and paste the URL. Sign in and allow access in the window that opens. In a chat, type @ and pick Agent Letter Desk (Grok uses a connector only when you select it).
- Mistral Vibe (chat.mistral.ai, formerly Le Chat): copy the URL and open Mistral Vibe's connectors. + Add Connector › Custom MCP Connector. Enter a name without spaces, such as AgentLetterDesk, and paste the URL. Sign in and allow access. In a chat, select + › Connectors › Agent Letter Desk (without this step, Mistral Vibe may write the letter itself). Works on the free plan.
You sign in with your e-mail address or your Google account. Then ask your AI for the letter. You check the preview and the price. Nothing goes out without your yes.
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