What makes my debt “real”? December 20, 2018 11:31 Updated Follow To have a legally valid debt it must: be undisputed, be dated, have a due date, have a debtor, and have a total amount due. Related articles What debts can be recover through ADDPAID? I don’t have documentation on the debt owed to me, can I still declare it? Comments 0 comments Please sign in to leave a comment.