How It Works
Fight back against debt collectors in 4 simple steps.
Create Your Account
Sign up for free and add your debt case information. Enter details about the collector, original creditor, and debt amount. All your data is encrypted and secure.
- No credit card required for free tier
- Bank-level encryption for sensitive data
- Access from any device
Check Statute of Limitations
Our calculator instantly determines if your debt is time-barred under Texas law. Most consumer debts have a 4-year SOL. If expired, collectors cannot sue you.
- Automatic SOL calculation based on Texas law
- Deadline tracking and email reminders
- Recommendations based on your situation
Generate Your Letter
Choose from professionally-drafted letter templates that cite specific Texas and federal laws. Each letter is customized with your case details and ready to send.
- Debt Validation Letter - Demand proof of debt
- Cease & Desist Letter - Stop collector contact
- Time-Barred Response - Assert SOL expiration
Send via Certified Mail
Send your letter via USPS Certified Mail directly from your dashboard. Get tracking and proof of delivery — essential evidence if you ever need to go to court.
- One-click certified mail sending
- Real-time delivery tracking
- Digital proof of delivery stored forever
Ready to Get Started?
Join thousands of Texans who have successfully disputed debts.
LEGAL DISCLAIMER:
This service provides legal information under Texas Government Code §81.101(c), which permits providing legal information without practicing law. This service is not a substitute for the advice of an attorney. We are not a law firm and do not practice law. No attorney-client relationship is created by using this service. You are responsible for reviewing all information and documents for accuracy. For legal advice tailored to your specific situation, consult with a licensed Texas attorney.