Every workflow, organized by what you need to do.

Send a debt validation request to a collection agency within 30 days of first contact to require proof of the debt.

Request verification of a debt with account documentation, chain of assignment, and proof of the original creditor.

Request complete account documentation from a collection agency including statements, agreements, and chain of assignment.

Send a formal debt verification request demanding the collection agency provide proof of the debt and their authority to collect.

Challenge a debt in collections with a factual dispute letter citing the specific reason the debt is incorrect, unverified, or not yours.

Challenge a collection agency with a structured dispute letter addressing FDCPA violations, incorrect information, or unverified claims.

Organize a factual response to a debt collector with account documentation, dispute grounds, and consumer rights citations.

Generate a dispute letter for collections with the specific dispute reason, account details, and FDCPA-cited consumer rights.

Create a comprehensive debt dispute letter citing the FDCPA, your dispute reason, and required validation documentation.

Challenge an incorrect debt balance with payment records, account statements, and a factual dispute letter.

Organize evidence showing the collected amount is wrong with payment records, interest calculations, and a dispute letter.

Challenge medical debt in collections with billing errors, insurance documentation, and a factual dispute letter.

Organize medical billing errors, insurance denials, and overcharges into a structured dispute for collection agencies.

Challenge student loan collections with account documentation, servicer errors, and a factual dispute letter.

Challenge private student loan collections with account documentation, statute of limitations analysis, and FDCPA rights.

Challenge a debt resulting from identity theft with FTC complaint documentation, police report, and creditor dispute letters.

Challenge collection entries on your credit report with bureau dispute letters, evidence of errors, and removal requests.

Challenge an incorrect or unverified collection account with a factual dispute to the credit bureaus and the collection agency.

Challenge a collection that should not exist — wrong person, already paid, discharged in bankruptcy, or never authorized.

Send a cease contact letter to stop collection agency calls and require written communication only under FDCPA rights.

Send a formal cease and desist letter to a collection agency demanding they stop all contact except for legal notifications.

Document FDCPA violations and prepare a harassment complaint for the CFPB, FTC, and state attorney general.

Organize a response to a debt collection lawsuit with the summons, complaint, affirmative defenses, and evidence.

Prepare an answer to a debt collection summons with denials, affirmative defenses, and evidence documentation.

Organize evidence, prepare testimony, and build a defense strategy for a debt collection court hearing.

Challenge a wage garnishment order with exemption claims, financial hardship documentation, and a court objection.

File a garnishment exemption claim with protected income documentation and financial hardship evidence.

Challenge collection of a time-barred debt past the statute of limitations with a dispute letter and timeline documentation.

Prepare a statute of limitations defense for an old debt with payment history, state law analysis, and legal defense documentation.

Negotiate a debt settlement with a structured offer letter, terms, and a paid-as-agreed reporting request.

Negotiate a pay-for-delete arrangement where you pay the debt in exchange for the collection being removed from your credit report.