Skip to main content
All free toolkits
Free companion toolkit

The VA Debt Letter Playbook

Your reading, guides, and worksheets in one place. Start with a guide, then choose the tools you need.

Free downloads. No book purchase or signup required.
READ & UNDERSTAND

Start with a field guide

Cover of Responding to a VA Debt Letter
FREE FIELD GUIDE · PDF

Responding to a VA Debt Letter

Responding to a VA Debt Letter walks thirteen steps: mark the 30-day and one-year clocks from the date on the letter, confirm the balance, check the records, then dispute, request a waiver with VA Form 5655, appeal, or arrange repayment. Education only.

WORKSHEETS & TOOLS

Put it on paper

First page of the The Frozen Record worksheet
FREE WORKSHEET / TOOL · PDF

The Frozen Record

Five review lanes, and two of them cannot see new evidence. Sorts supplemental claim, Higher-Level Review and the three Board dockets, with a fillable sorting worksheet and one-year deadline check.

First page of the Two Clocks worksheet
FREE WORKSHEET / TOOL · PDF

Two Clocks

A VA debt letter starts two clocks: thirty days to keep the money and one year to ask for a waiver. Covers dispute, waiver and appeal, with a fillable six-question waiver worksheet.

Help from an accredited Veterans Service Officer is always free. Find one at va.gov/get-help-from-accredited-representative.

Want a short email when VA rates change each December, when a big rule changes, or when a new guide comes out? Get rate-change emails. It's optional.