Debt Validation Letter in Indiana
Ask a debt collector to prove a debt. Under the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692g), if you dispute in writing within the validation period, the collector must stop collecting until it sends verification. Send it by certified mail and keep a copy.
What Indiana law says
| State debt collection law | Indiana's collection agency law (IC 25-11-1) regulates businesses that solicit or collect claims owed to others, including licensing and how collected money must be handled and paid to clients. Debtor-facing conduct rules are mainly in the federal FDCPA; Source: IC 25-11-1-1, 25-11-1-7 |
|---|---|
| Time limit to sue on a written contract | 6 years for written contracts for the payment of money (signed after August 31, 1982), such as loans and credit agreements. 10 years for other written contracts. Read in the Indiana Code 2026 PDF on the General Assembly site. Which section applies to a given debt can depend on Indiana case law. Source: IC 34-11-2-9; IC 34-11-2-11 |
| Can a payment restart the clock? | An acknowledgment or promise to pay restarts or revives the limitations period only if it is in writing and signed by the debtor. The effect of a partial payment is not addressed in this statute. Source: IC 34-11-9-1 |
Fill it in
Nothing you type leaves your browser. Replace anything still highlighted, and keep a signed copy.
[today's date]
To: [collection agency name], [collector address]
Re: Account number [account or reference number]
I am writing in response to your [letter or call] dated [date of contact]. I dispute this debt and request validation under 15 U.S.C. § 1692g.
Please send me the name of the original creditor, the amount you claim and how it was calculated, and documents showing that you own or are authorized to collect this debt.
Until you provide this verification, please stop collection activity on this account, and contact me only in writing at the address below.
[your name], [your mailing address]
Debt Validation Letter for other states · Indiana tenant rights
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.