Top 10 U.S. Credit-Card Debt Buyers (2025)
There are hundreds of debt buyers. These are examples of the largest debt buyers.
They Bought Your Debt.
Make Them Prove It.
What debt buyers don't want you to know
1000+ people protected. Thousands of calls and cases shut down.
Includes: 45 ready-to-send letters • Step-by-step instructions • Instant download
Who This Is For
If your old credit-card debt was sold to a debt buyer, this toolkit was built for you.
Behind the collector is the debt buyer — a company that purchased old accounts in bulk and usually can't prove the paperwork.
Debt buyers almost never have the full records they need to prove a case. These 45 forms expose what's missing — and when they can't prove it, the case collapses.
Everything You Need to Fight Back
Simple, powerful letters that put debt buyers on defense
Built using real inside knowledge of how debt buyers cut corners—and how to make them show their cards
45 Validation Letters
Every letter you need to demand proof, challenge ownership, and expose weak documentation
Fill-in-the-Blank Format
Page 2 shows a filled example. Page 3 has labeled blanks—just add your info and send
Instant Download
Get all 45 letters immediately in editable Word format. Print or customize as needed
Lifetime Access
Permanent download link sent to your email. Re-download anytime, forever
What You Get
Everything you need to demand proof from debt buyers and their collection firms
- 45 debt validation letters in editable Word format
- Each letter has Page 2 (filled example) and Page 3 (blank template with labeled fields)
- Based on your rights under federal debt collection laws
- Covers chain of title, contracts, accounting, standing, affidavits, statutes, licensing, and more
- Instant download after checkout—start using immediately
- Permanent email link—re-download anytime, forever
Stop Debt Collectors Now
Under federal law, you can tell collectors to stop contacting you.
The Prove It Toolkit includes that exact letter — ready to send today.
Get the Kit – $49Know Your Rights
Based on federal debt collection laws that protect you. These letters demand what you're legally entitled to receive
Simple & Direct
No legal jargon. Fill in your information, print, mail certified. Done. Each letter does one job—and does it well
Stop the Pressure
Cut off harassing calls and letters legally. Force them to communicate through documentation only
Want to Learn More First?
Read about the 10 most powerful questions that make debt buyers walk away
Read the 10 QuestionsImportant Disclaimer
This is not a law firm. We do not provide legal advice. These are template letters based on federal debt collection laws. For legal representation or specific advice about your situation, consult a licensed attorney in your state.
Frequently Asked Questions
Everything you need to know before you buy
What format are the letters in?
All letters are in Microsoft Word (.docx) format. You can edit, print, save as PDF, or customize them however you need.
Is this legal advice?
No. This is not a law firm and we do not provide legal advice. These are template letters based on your rights under federal law. If you need legal representation, consult an attorney.
Do I need to use all 45 letters?
No. Use only the letters that apply to your situation. Some people need 2-3 letters. Others use more. Each letter targets a specific weakness in debt buyer claims.
How do I know which letters to use?
Each letter is clearly labeled with what it does. Read the filled example on Page 2 to see if it fits your case. Most people start with chain of title and contract validation.
What if I lose my download link?
Your purchase email contains a permanent link. Save that email. You can re-download your files anytime, forever.
Used one letter — they dropped the case.
Calls stopped the same day.
They couldn't prove it. Case dismissed.
Don't Argue with Debt Buyers — Prove It ToolKit
Get all 45 letters instantly. One-time payment. No subscription. Lifetime access.