Debt Validation Letter in Mississippi
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 Mississippi law says
| Time limit to sue on a written contract | 3 years. Mississippi's general catch-all period of 3 years applies to written contracts, and unwritten contracts are expressly 3 years. The official code is published only through LexisNexis, so text was verified on a public mirror (FindLaw, current as of January 1, 2025). |
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| Can a payment restart the clock? | For contract debts, an acknowledgment or promise extends the time to sue only if it is in a writing signed by the person who owes the debt. One co-obligor's acknowledgment does not bind the others. Verified on public mirror (FindLaw). Source: Miss. Code Ann. § 15-1-73 |
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]
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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.