Disclaimer
Last updated: 12/26/2025
Important Notice
PROOFOFDEBT IS NOT A LAW FIRM. PROOFOFDEBT DOES NOT PROVIDE LEGAL ADVICE. PROOFOFDEBT IS NOT A CREDIT REPAIR ORGANIZATION.
Not Legal Advice
The information and templates provided by ProofOfDebt are for general informational and documentation purposes only. Nothing on this website or in our services constitutes legal advice.
The templates provided are based on general provisions of federal law, specifically the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These templates may not be appropriate for your specific situation.
If you need legal advice, please consult with a licensed attorney in your jurisdiction.
Not Credit Repair
ProofOfDebt is not a credit repair organization as defined under the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.). We do not:
- Promise to improve your credit score
- Promise to remove items from your credit report
- Promise any specific outcome from using our templates
- Provide credit counseling or debt management services
No AI Legal Reasoning
ProofOfDebt does not use artificial intelligence to generate legal arguments, analyze your legal situation, or provide personalized legal recommendations. Our templates use fixed text with variable injection only. We do not rewrite or customize legal language based on your circumstances.
No Guaranteed Outcomes
Using ProofOfDebt templates does not guarantee any particular outcome. Results depend on many factors including:
- The accuracy of information you provide
- Your specific circumstances
- How recipients respond to your correspondence
- Applicable laws in your jurisdiction
- Factors outside anyone's control
Documentation Purpose
The primary purpose of ProofOfDebt is to help you:
- Generate standardized letters for documentation purposes
- Keep organized records of your correspondence
- Track timelines and dates
- Export documentation for your records
Documentation matters regardless of outcome. Maintaining organized records of your correspondence can be valuable for your personal records.
State Law
Our templates are based primarily on federal law (FDCPA and FCRA). Some states have additional consumer protection laws that may provide greater protections. We do not provide state-specific legal templates or advice. Consult with a licensed attorney in your state for information about state-specific laws.
Your Responsibility
By using ProofOfDebt, you acknowledge that:
- You understand this is not legal advice
- You are responsible for the accuracy of information you provide
- You will seek legal advice if you need it
- You understand that no outcome is guaranteed
- You are using these tools for documentation purposes