Fight Back Against Debt Collectors
Generate legally-compliant debt validation letters, track statute of limitations, and protect your rights under Texas law — all without expensive attorney fees.
No credit card required. Free tier available.
385,000
Texas debt lawsuits filed annually
75%
End in default judgment due to no response
$49-$197
vs. $500-$5,000 for attorney help
Everything You Need to Respond to Debt Collectors
10+ Letter Templates
Generate FDCPA-compliant validation, cease & desist, dispute, and settlement letters with Texas-specific legal citations.
SOL Calculator
Know instantly if your debt is time-barred under Texas law. Most debts expire after 4 years.
Certified Mail Service
Request certified mail directly from your dashboard. We handle printing and mailing with USPS tracking.
Deadline Reminders
Never miss the 30-day FDCPA validation window. Get email reminders before critical deadlines.
FDCPA Violation Checker
Identify collector violations and understand your rights. Document everything for potential claims.
Lawsuit Answer Generator
Respond to debt collection lawsuits with Texas-specific affirmative defenses and proper legal formatting.
Don't Let Collectors Win by Default
75% of Texas debt lawsuits end in default judgment simply because consumers don't respond. Don't be a statistic.
Create Your Free AccountLEGAL 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.