FCRA § 611
Disputes
We pull all three credit reports, flag every wrong balance, duplicate account and bad date, and send dispute letters to each bureau.
Return receipt requested
Make them prove it.
Collectors count on you not knowing your rights. We write the dispute letters, demand the paperwork, and negotiate down the debts that hold up. Every letter goes out certified, with a deadline attached.
Most of our clients start with a pile like this one.
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Three numbers every debtor should know
30
days
to dispute a debt in writing after a collector’s first notice. Once you do, they have to stop collecting until they send proof.
FDCPA § 809 · 15 U.S.C. 1692g
7
calls
in 7 days. A collector who calls more than that about one debt is presumed to be harassing you.
Reg F · 12 CFR 1006.14
30
days
for a credit bureau to investigate an error you report. If the creditor cannot verify it, the item comes off.
FCRA § 611 · 15 U.S.C. 1681i
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Services
Four ways we push back
Settlement
Debt Negotiation
When a debt is real, we work out a lump sum or payment plan for less than the balance and get the terms in writing before you pay.
FDCPA § 809
Validation
We demand the original contract, the account history and proof the collector owns the debt. Debt buyers often cannot produce all three.
Free
Education
Plain guides on collection tactics, statutes of limitation and how interest piles up, so you can spot a trap before you sign or pay.
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How it works
From shoebox to paper trail
1
Send us what you have
Collection letters, old statements, court papers, voicemails. Photos from your phone are fine. We also pull your credit reports.
2
We find the weak spots
Wrong balances, missing ownership records, re-aged dates, debts past the statute of limitations. Each one becomes a line in a letter.
3
Letters go out certified
Disputes and validation demands are mailed with tracking, and we log every response deadline so nothing slips.
4
We settle what’s left
Whatever survives the paperwork, we negotiate. You approve every offer before anything is paid.
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Collection tactics
Traps we see every week
None of these are rare. Most people only find out they were played after they pay.
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Zombie debt
A debt past your state’s statute of limitations gets sold again and again. A small “good faith” payment can restart the clock in some states.
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Re-aged accounts
The date of first delinquency gets moved forward, so a negative mark stays on your report past its seven-year limit.
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Fees stacked after charge-off
Interest and “collection costs” added to a balance with no contract term that allows them.
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The lawsuit bluff
“Pay today or we file.” Threatening a suit the collector has no intention or right to bring is a violation on its own.
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Calls at work after you said stop
Once a collector knows your employer forbids the calls, they have to stop calling you there.
Got a collection letter this month?
The 30-day clock may already be running. Send it to us and we’ll tell you what to do next, free.