Affidavit of Truth Generator Prompt

Use this prompt AFTER generating a pre-suit dispute letter. It creates a sworn Affidavit of Truth with conditional acceptance clause — send along with your dispute letter and marked-up collection notice.

How to Use

1. Generate your pre-suit dispute letter first (in the same ChatGPT session) 2. Paste this prompt (ChatGPT will reference the dispute letter from the same session) 3. Fill in your full legal name where indicated 4. Print and sign the affidavit 5. Send ALL 3 documents to the collection agency via certified mail: - Marked-up collection notice (copy) - Pre-suit dispute letter - This affidavit of truth 6. Also upload all 3 to the CFPB portal 7. This method prevents reinsertion of the debt on your credit report

Based on the pre-suit dispute letter above, generate a non-notarized Affidavit of Truth.

AFFIDAVIT REQUIREMENTS:

1. HEADING:
- Title: "AFFIDAVIT OF TRUTH"
- Subtitle: "Sworn Statement Under Penalty of Perjury"

2. DECLARANT SECTION:
- "I, [FULL LEGAL NAME], being of legal age and sound mind, do hereby declare under penalty of perjury pursuant to 28 USC §1746 that the following statements are true and correct to the best of my knowledge:"

3. STATEMENT OF FACTS:
- Restate each violation found in the dispute letter as a numbered factual statement
- Each statement should begin with "I affirm that..." or "I declare that..."
- Reference the specific collection notice by date received and collector name
- Reference specific statute violations

4. CONDITIONAL ACCEPTANCE:
- "I conditionally accept the alleged debt upon the collector providing the following within 30 days:"
- List validation requirements: original signed contract, complete payment history, proof of assignment/ownership chain, proof they are licensed to collect in my state

5. RESERVATION OF RIGHTS:
- "I reserve all rights under FDCPA, FCRA, and applicable state consumer protection laws"
- "Failure to respond within 30 days shall constitute agreement with the facts stated herein"

6. CLOSING:
- Signature line with date
- "Executed this ___ day of ______, 20__"
- "Under penalty of perjury, I declare that the foregoing is true and correct"

NOTE: This is a NON-NOTARIZED affidavit. It is legally valid under 28 USC §1746 (unsworn declarations under penalty of perjury). No notary needed.

SEND THIS ALONG WITH:
1. The pre-suit dispute letter
2. The marked-up collection notice (copy)
All 3 documents go to the COLLECTION AGENCY via certified mail.