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Debt-collection self-defense

Three free letters that hit back.

Debt collectors win billions in default judgments every year — not because consumers owe the money, but because they didn’t know they had federal statutes built specifically to stop the harassment. Use them. Free, no signup, certified-mail-ready in under 10 minutes.

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FDCPA validation letter

Within 30 days of the collector's initial letter? Force them to prove the debt under 15 U.S.C. § 1692g(b). Stops collection until they validate.

Open the validation wizard

Cease-and-desist letter

Stop calls, texts, employer contact, and third-party contact under § 1692c(c) and the TCPA. Every post-receipt contact = $500–$1,500.

Open the cease wizard

FCRA credit-bureau dispute

Disputing inaccurate credit-report info from a debt collector? File a § 1681i dispute with Equifax, Experian, or TransUnion.

Open the FCRA wizard

Sequence we recommend

  1. Day 1. The collector’s initial letter arrives. Date the envelope.
  2. Days 1–28. Send the validation letter via certified mail. Save the green card.
  3. Days 30–45. If the collector responds with validation, evaluate. If they continue collection without validation, every contact is now a separate FDCPA violation.
  4. If calls continue. Send the cease-and-desist letter certified. After receipt the only legal contact is to confirm receipt or notify of a lawsuit.
  5. If they reported it to the bureaus. Send a FCRA dispute letter to each bureau. The bureau has 30 days to investigate and delete unverifiable items.
  6. If they sue you. File an answer to the complaint within your state’s deadline (usually 21–30 days) or lose by default. Use the $9.99 answer-form wizard.
When the letters aren’t enough

Already sued or expecting a lawsuit?

The free letters stop most collectors. The paid tiers handle what’s next: answer-to-complaint with affirmative defenses, FDCPA violation scanner, deadline tracking, AI Q&A, and unlimited follow-up letters.

Per form
$9.99

Fill an answer to a debt-collection complaint. One charge.

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Most popular
Case Pass — $149

One debt-collection case, 12 months. Validation, cease, FCRA, answer, scanner, deadlines, AI.

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Multi-case
Pro — $39 / mo

Multiple debts. Unlimited matters and forms.

Pro details

Not legal advice. SynthCounsel is not a law firm. These wizards generate self-help correspondence using standard FDCPA, TCPA, and FCRA citations. A licensed consumer-rights attorney should review your specific situation if the alleged debt is large, you have been sued, or there are material damages from continued harassment.