Debt Collection Defense,
your shield against harassment.
Harassing calls, threatening letters, and illegal collection tactics are violations of federal law. Our AI Legal Nerds help you fight back, validate debts, and stop collectors in their tracks.
How We Help You Fight Back
Stop Harassing Calls
Cease and desist letters that legally require collectors to stop contacting you immediately.
Debt Validation
Force collectors to prove the debt is valid and that they have the legal right to collect it.
Statute of Limitations
Many debts are too old to legally collect or sue over — we help you identify time-barred debts.
FDCPA Violations
Sue collectors who break the law — and potentially collect up to $1,000 in statutory damages.
Lawsuit Defense
Respond to debt collection lawsuits properly and avoid devastating default judgments.
Credit Report Disputes
Remove inaccurate or outdated collection accounts from your credit report permanently.
What Debt Collectors Cannot Do
Illegal Collector Tactics
- ✓Call before 8am or after 9pm
- ✓Use abusive or threatening language
- ✓Call your workplace if told not to
- ✓Claim to be attorneys or government officials
- ✓Threaten arrest or criminal prosecution for civil debts
- ✓Discuss your debt with family members or employers
Your Rights Under the FDCPA
- ✓Right to request debt validation within 30 days
- ✓Right to demand collectors stop contacting you
- ✓Right to sue for violations and collect damages
- ✓Right to dispute inaccurate credit report entries
- ✓Right to know the original creditor name and amount
- ✓Right to an itemized accounting of the debt
Take control of your debt situation today
You have powerful legal rights against debt collectors. Let our AI Legal Nerds help you use them.