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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.
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.
Stop calls, texts, employer contact, and third-party contact under § 1692c(c) and the TCPA. Every post-receipt contact = $500–$1,500.
Disputing inaccurate credit-report info from a debt collector? File a § 1681i dispute with Equifax, Experian, or TransUnion.
FRCP 12(b)(6) / state equiv. Standing, SOL, service, validation.
FreeAlready sued? Hit back with a counterclaim under § 1692k.
FreeFRCP 60(b) / state equiv. Improper service, fraud, void judgment.
Free7–21 days. CCPA cap, head-of-household, federal benefits.
FreeFDCPA/FCRA damages, deposit, breach. $5K–$15K cap.
FreeU.S. District Court. Jury, discovery, mandatory fee-shifting.
FreeCRA or furnisher. Willful $100-$1,000/violation + punitive + fees.
FreeAutodialer / prerecorded / DNC / revocation. $500-$1,500 per call.
FreePreserves the right to appeal. 14-60 days to file. State or federal.
Free10 Interrogatories + 10 RFPs + 10 RFAs targeting standing + chain of title.
Free28 USC § 1915 / state poverty affidavit. Waives the $405 federal filing fee.
FreeFRCP 56 / state. Movant + opposition modes. Post-discovery killer move.
FreeFRCP 37 + sanctions. Boilerplate objections, missed deadline, prior-order violation.
FreeFRCP 45 / state. Original creditor, bank, telecom, employer. 8-item canned list.
FreeSettlement / forbearance / loan mod / payment plan. 9 hardship reasons.
FreeNY CPLR § 3041 / Cal. CCP § 454. 10-item canned list. Preclusion remedy.
FreeIRC §§ 6212, 6213. Reserve Tax Court rights. Optional § 6651(a) abatement.
FreeFRCP 45 to the original creditor when the debt-buyer can’t prove chain of title.
FreeDeclaration-grade exhibit under 47 USC § 227. Tracks willful-rate flags for per-call statutory damages.
FreeReasonable-means revocation under Reyes / Gager / Osorio. Every call after revocation is a $500-$1,500 TCPA violation.
FreeSettlement-leverage letter listing per-call statutory damages. Most defendants settle pre-suit at multiples of \$500.
Free15 USC § 1635 right to rescind a non-purchase mortgage within 3 years if disclosures were defective. Jesinoski v. Countrywide (2015).
Free28 USC §§ 1441/1446 to remove a state debt-collection lawsuit to federal court when an FDCPA/FCRA/TCPA counterclaim raises a federal question.
FreePre-fill the CFPB consumer complaint form. CFPB forwards to the company; most respond in 15 days, generating a written admission you can use later.
FreeThe 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.
Fill an answer to a debt-collection complaint. One charge.
Browse answer formsOne debt-collection case, 12 months. Validation, cease, FCRA, answer, scanner, deadlines, AI.
Compare plansMultiple debts. Unlimited matters and forms.
Pro detailsNot 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.
Free Counsel chat
Free, jurisdiction-aware Q&A on procedure, deadlines, FDCPA / FCRA / TCPA / FMLA / ADA, debt-defense strategy, and bankruptcy schedules. No credit card.
Pay-only-when-you-file: free chat + free wizards. Filings are $9.99/form or $149 Case Pass for one full case (12 months unlimited). No subscription required.