21 years inside collection agencies
Let's find out what you really owe
Upload the collection notice. We check whether the debt is valid, accurate, and still legally collectible — usually in about two minutes.
- Encrypted upload
- No SSN needed
- Cancel any time
Written by the people who used to write the letters
Every check we run comes from federal consumer protection law — the same rules collectors are supposed to follow.
Three steps, no phone calls
Everything happens in your browser, on the phone you already have.
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STEP 1
Upload the notice
A photo of the letter is enough. No account details, no SSN.
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STEP 2
We audit it
Who owns the debt, whether the amount adds up, whether the clock has run out.
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STEP 3
Send the right letter
Validation, dispute, or a settlement offer — written for your case and ready to send.
IS IT EVEN THEIRS?
Most collectors bought your debt. Many can't prove it.
Debts get sold, resold, and bundled until the paperwork falls apart. We check the chain of ownership before you pay anyone a cent.
See who's on your letter
NO CALLS, NO SCRIPTS
Answer them in writing, on your own time
Collectors are trained for phone calls. A written request changes the terms — and puts the legal limits on contact into force.
Start with your letter
ALREADY SUED?
The deadline matters more than the amount
Most collection lawsuits are won by default, because nobody answered in time. Upload the summons and we'll show you the clock for your state.
Check my deadline
People who were exactly where you are
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They couldn't prove they owned it
A $9,800 balance showed up from an agency I'd never heard of. Two minutes after uploading the letter I knew they couldn't document owning the account.
Marcus L.
Atlanta, GA
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Five years past the limit
I was terrified when a $3,400 collection letter arrived. Within minutes it showed the debt was 5 years past my state's limit, and gave me the exact letter to send back.
Sarah M.
Dallas, TX
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The case was dismissed
When a debt buyer sued me over a 7-year-old card, I was in tears. I found out the statute of limitations had passed, filed the response, and the case was dismissed.
Jennifer T.
Tampa, FL
One flat price. Never a cut of your debt.
Settlement companies take 15–25% of what you owe. Law firms want a retainer before they read the letter. We charge the same whether your debt is $400 or $40,000.
- No escrow — your money stays yours
- No enrollment fee, no contract
- Cancel from your account any time
FULL ACCESS
$29.95/ month
- Unlimited notice validations
- Dispute & cease-and-desist letters
- Online settlement negotiation
- Court-response support & deadline tracking
Already registered? Log in
Questions people ask us first
No. We review the notice you received — we don't need your SSN to do that.
You'll still know exactly what your options are, and you can negotiate a fair settlement through the platform instead of over the phone.
Federal law limits how and when they may contact you. We help you send the written request that puts those limits in force.
Not necessarily — but the response deadline matters. Upload the summons and we'll show you the timeline that applies to your state.
You have the letter in your hand. Let's read it properly.
About two minutes, and you'll know where you stand.
Upload My Notice — FreeEncrypted upload · No SSN needed · Cancel any time