Federal law gives you the right to demand proof before you pay anything. One written letter, sent within 30 days of a collector's first contact, requires them to stop and prove the debt is valid. The app walks you through every step, on any device.
Open it on any device and it walks you through each one, then generates the letters for you to review, sign, and send.
A validation letter, filled in from your answers, that makes collection pause until they prove the debt. You review it, sign it, and send it yourself.
Tells you whether the debt is past the legal deadline for suing you in your state, and warns you before a small payment revives it.
You note each call as it happens, building a clean, printable record you can hand a lawyer.
Tracks the 30-day window from the collector's first contact, so you know exactly when you need to act.
Most people say the wrong thing on a collector call because they are not prepared. The kit includes a call script you save to your phone and read from when they call.
It also covers the four things to never say or do on the first call, including the small payment trap that can revive a debt you may not legally owe. After the call, you answer a few questions and the kit generates your validation letter, filled in with your answers, for you to review, sign, and send.
Debt settlement companies and attorneys charge far more, and some take a percentage of everything you owe. The kit costs $29 and every step stays in your hands.