Debt Collection Defense Pack
Three letters to stop collector calls, force validation, and clean up your credit report.
One-time price:$49Paid once at the end. No subscription.
What's in this pack
- Step 1 — Send TodayMail the FDCPA cease-and-desist by certified mail, return receipt requested. Under 15 USC § 1692c(c), the collector must stop contacting you within 5 days of receipt except in very limited circumstances.
- Step 2 — Send Same DaySend the validation demand alongside Step 1. Under FDCPA § 1692g, the collector cannot continue collection until they respond with validation. Do not send this later than 30 days after first contact.
- Step 3 — Send This Week if ReportedIf the debt has been reported to any credit bureau, send the dispute to the bureaus under FCRA § 1681i. The bureaus have 30 days to investigate and respond.
- Three letters bundled — $49 instead of $57 buying them individually
- FDCPA cease-and-desist stops the phone calls within 5 days of receipt
- Debt validation demand forces the collector to prove the debt
- Credit-report dispute in all three bureau formats (Equifax, Experian, TransUnion)
- Phone script for when the collector calls before your letters arrive
- Deadline calendar covering the 30-day validation window and FCRA response deadlines
Your Situation
A few facts about the collector and the debt so every letter cites the right details.
Determines which state consumer-protection law applies.
$
Use the last 4 digits or the collector's reference number. Do not enter a full account number.