You got served with a debt lawsuit
A process server handed you papers, or you found a summons taped to your door. You have a short, state-specific window (usually 20 to 35 days) to respond or they win by default.
Practice Area · Debt defense
30 million Americans face debt lawsuits every year. Most lose by default — not because they owe the money, but because they didn't respond in time or didn't know how. SynthCounsel changes that.
Where you might be
A collector is calling about an old debt
The statute of limitations may have expired. Paying even $1 can restart the clock. Know your rights before you respond.
A collections account appeared on your credit report
It might be past the reporting period, the amount might be wrong, or the debt might not even be yours. You have the right to dispute it.
A letter arrived from a debt collection law firm
Many collection letters contain FDCPA violations. Before you panic, let us scan it.
Toolkit
Every tool you need from the moment you get served to the day the case is resolved.
Answer to Complaint
Guided flow: identify claims in the complaint, select affirmative defenses under your state’s pleading rule, generate denial paragraphs. Court-formatted for your jurisdiction.
FDCPA / FCRA violation scanner
Upload a collection letter and get an instant violation report. 8 FDCPA violations + 3 FCRA violations checked, with statute citations.
Deadline calculator
Enter your service date, service method, and jurisdiction. Get exact response deadlines with holiday and weekend adjustment and safety buffers.
Case law research
Search millions of court opinions. Find cases where consumers won against the same collector or law firm.
Statute of limitations calculator
Enter the debt type and last payment date. Find out if the SOL has expired in your state — and what happens if you make a payment.
The path
- 01
Use the "I just got served" flow
Enter your service date, and we calculate every deadline. You’ll know exactly how long you have to respond.
- 02
Upload the complaint
Our AI reads the complaint, identifies the claims, extracts the parties and case number, and suggests defenses.
- 03
Generate your Answer
Select your defenses, customize denial paragraphs, and generate a court-formatted Answer with a proof of delivery (certificate of service).
- 04
Scan for violations
Upload any collection letters. Our scanner checks for 8 FDCPA and 3 FCRA violations with statute citations.
- 05
File with confidence
Download court-ready PDF. Review with an attorney if possible. File before your deadline.
Every year, debt collectors win billions in default judgments — not because consumers owe the money, but because they didn't respond. Respond.