Consumer Debt Defense Documents

Sued by a debt collector or debt buyer? File a court-ready Answer before your deadline so you don't lose by default. Includes the court caption, your denials, affirmative defenses (statute of limitations, no proof of ownership, and more), and a certificate of service. For TX, PA, NC, SC, NY, CA & FL.

Got a notice that the federal government (Dept. of Education, Treasury, HHS, SBA, or another agency) will garnish your wages without a court order? Request your hearing in writing before the deadline on your notice to challenge the debt, the amount, or show financial hardship.

A debt collector froze your bank account? Generate a Bank Account Freeze Release Demand citing your state wage-exemption laws to demand your funds be released.

Sued by a debt collector and never got your day in court? Prepare a Motion to Vacate Default Judgment to ask the court to set aside a default entered against you.

Force a debt collector to verify a debt before you pay a cent. Generate an FDCPA debt validation demand letter that requests proof they own and can collect the debt.

Stop harassing calls and letters. Generate a Cease & Desist to a debt collector under the FDCPA demanding they stop contacting you.

Inaccurate item on your credit report? Generate a Credit Bureau Dispute Letter under the FCRA — the bureau must investigate within 30 days or delete the item.

File a strong complaint against a collector, bank, or lender. Generate a CFPB complaint letter documenting the violation and the relief you want.

Prove your income is exempt from garnishment or levy. Generate a sworn Affidavit of Exempt Wages & Income citing your state’s exemption statutes.

Facing an illegal wage garnishment or bank levy? Generate a Response to Illegal Garnishment/Levy asserting your exemptions and demanding it stop.

Negotiate a lump-sum or payment-plan settlement in writing. Generate a Debt Settlement Offer Letter that proposes clear terms and protects you.

Build a sworn, organized record of your dispute. Generate an Administrative Record of Facts to memorialize the timeline, communications, and violations.