Credit & disputes

Send a debt validation letter online

If a debt collector contacts you about a debt you do not recognise or believe is wrong, you can request validation in writing. Type your letter, enter the collector's address, and we mail it through Canada Post within 24 hours.

Mail a debt validation letterSee pricing
From $6 per letterMailed via Canada PostShipped within 24 hoursNo printer needed

How it works

Four steps. Most letters take under two minutes from sign-in to mailed.

  1. 1

    Write your validation request

    Ask the collector to provide proof of the debt: original creditor, amount, dates, and chain of assignment.

  2. 2

    Enter the collector's address

    Use the address printed on the collection letter or the address on the collector's website. Address it to the collection agency, not the original creditor.

  3. 3

    Pay the flat fee

    One price covers printing, envelope, postage, and Canada Post delivery.

  4. 4

    We mail within 24 hours

    You receive a dated email confirmation. The PDF is retained on your order page.

Who this is for

  • Consumers contacted by a debt collector about an unfamiliar debt
  • People disputing the amount owed
  • Identity theft victims
  • Anyone who wants the collector to stop calling and respond in writing

Common use cases

Unfamiliar debt

You receive a collection letter for a debt you do not recognise.

Disputed amount

The amount the collector claims does not match what you owe.

Old debt

The debt is potentially beyond the limitation period in your province for collection.

Identity theft

The debt was incurred fraudulently in your name.

What you can rely on

PostPal is operated as a utility, not a marketing channel. We do one thing: print and mail your documents through Canada Post.

Domestic
$6
2-4 business days
International
$12
6-12 business days
  • Mailed via Canada Post within 24 hours
  • PDF of the letter retained on your order page
  • Dated email confirmation as evidence of when the request was sent
  • Privacy-respecting — files deleted after mailing

Frequently asked questions

Are debt collectors required to respond?

Most provinces in Canada have collection and debt settlement legislation that requires collectors to provide certain information on request and prohibits continued collection on a disputed debt without proper response. Specific rules vary by province — check your provincial collection agencies act.

What should I ask the collector to validate?

Ask for: name of the original creditor, the original account number, the date the debt was incurred, the amount of the original debt, the chain of assignment if the debt has been sold, and confirmation that the debt is within the limitation period.

Should I admit the debt is mine in the letter?

No. Validation letters should request information without admitting the debt. Acknowledging the debt in writing can in some provinces restart the limitation period. Stick to requesting validation.

Should I send by registered mail?

Many people send debt validation letters by registered mail for proof of receipt. PostPal mails standard lettermail; for registered mail, contact us before paying.

What if the collector keeps calling after I send the letter?

Once a written request for validation is received, most provincial rules restrict further collection until validation is provided. If the collector continues, you can file a complaint with your provincial consumer protection office.

Related solutions

Other ways to send mail through PostPal.

Ready to send?

Type a letter or upload a PDF. We mail it via Canada Post within 24 hours.

Mail a debt validation letter — $6See all solutions