● Services

Every debt gets questioned first

We start by checking whether you owe it, how much, and to whom. Paying is the last step, and only after the paperwork checks out.

A hand signing a document with a pen

01 · Credit report disputes

Disputes

Credit reports are full of mistakes, and the bureaus only fix the ones someone writes in about. We read all three of your reports line by line and dispute every item that is wrong, unverifiable or too old to report.

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Wrong balances, duplicate collections and accounts that aren’t yours

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Items past the seven-year reporting limit, including re-aged ones

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Follow-up letters and CFPB complaints when a bureau stalls

Equifax Experian TransUnion 30-day response window
A woman on a phone call, talking and gesturing

02 · Settlement

Debt Negotiation

Debt buyers often pay a few cents on the dollar for old accounts. That leaves room to settle for less. We make the calls, trade offers, and get the final terms in writing before a single dollar leaves your account.

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Lump-sum and payment-plan settlements

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Written agreements that say “paid in full” or “settled in full”

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Requests to delete or update the account on your credit reports

You approve every offer No fee until a debt is settled
A stack of opened envelopes

03 · FDCPA validation

Validation

A collector has to show its work. Our validation letters ask for the signed agreement, a full payment history, and the chain of title showing how the debt moved from the original creditor to whoever is calling you now.

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Sent inside the 30-day window whenever possible

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Collection has to pause until they respond

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We track missing documents and use them in later disputes

15 U.S.C. 1692g Certified mail
A pile of open paperback books

04 · Free

Education

You shouldn’t need us for every letter. We publish guides, letter templates and a plain-English glossary so you can handle the simple cases yourself and know when a case needs more.

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Statute of limitations by state

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What to say, and not say, on a collection call

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How interest and fees grow a balance after default

Go to resources
● What we won’t do
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Charge a settlement fee before a debt is settled and you’ve made a payment on it. Federal rules forbid it, and we agree.

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Promise a credit score number. Nobody can, and anyone who does is guessing.

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Dispute accurate information as inaccurate. It wastes your disputes and can backfire.

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