Debt Defender

Got a Collector Letter? Fight Back in 2 Minutes.

Snap a photo of your collection letter. Our AI turns it into a professional dispute letter you can send today. 3 letters free, no credit card needed.

Get Started Free See How It Works

Join hundreds of users fighting back

3 free letters every month

Photo to dispute in 2 minutes

Bank-level SSL encryption

FDCPA & FCRA compliant

How It Works

From photo to dispute letter in minutes. Here's how simple it is.

Snap or Upload Your Letter

Take a photo of your collection letter or upload it. Our AI reads it instantly.

AI Generates Your Dispute

A professional, legally-grounded dispute letter is generated in seconds.

Download and Send

Download your PDF and mail it yourself, or send via USPS Certified Mail from the app.

One Simple Flow

Photo your collector letter. Get your dispute. Send it. That's it.

1.Snap Your Collector Letter

Take a photo or upload the collection letter you received. Our AI reads it and extracts every detail automatically.

2.AI Writes Your Dispute

In seconds, our AI generates a professional, legally-grounded dispute letter tailored to your specific situation.

3.Download and Send

Download your letter as a professional PDF and mail it yourself, or send it via USPS Certified Mail right from the app.

1,000+

Dispute letters generated

500+

Users

States covered

“I uploaded a photo of a collector letter and had a professional dispute ready in under a minute. This tool is a lifesaver.”

Sarah M.

Texas

“The settlement calculator helped me understand exactly what to offer. Settled a $4,200 debt for $1,100.”

James R.

Florida

“Three free letters a month is incredibly generous. I was able to dispute two collections without spending a dime.”

Maria L.

California

Collectors must respond within 30 days or stop collecting

The FDCPA gives you powerful rights. We help you use them.

Pro Toolkit

Need More? Go Pro.

Most people just need a dispute letter. But if your situation calls for it, these advanced tools are here when you need them.

Letter Types

Debt Validation LettersFREE

FDCPA-compliant letters demanding collectors prove the debt is valid

Hardship Letters

Explain financial hardship and request modified payment terms

Pay-for-Delete Letters

Negotiate removal of negative marks in exchange for payment

Goodwill Letters

Request removal of late payments from creditors with a good history

Cease & Desist Letters

Legally demand collectors stop all contact immediately

Creditor Letters

Dispute directly with original creditors, bypassing collectors

Intent to Sue Letters

Formal escalation for FCRA/FDCPA violations with legal notice

CFPB & AG Complaints

File formal complaints with the CFPB or your state Attorney General

Secondary Bureau Disputes

Dispute with ChexSystems, LexisNexis, SageStream, Innovis, and TeleCheck

Power Tools

Credit Report Analysis

AI scans your full report and identifies every disputable item

Settlement CalculatorFREE

Get settlement ranges and statute of limitations for your state

Phone Call Scripts

7 interactive branching scripts for calling debt collectors

Dispute Tracker

Track all 3 bureaus with 30-day deadlines and analytics

USPS Certified Mail

Mail letters directly from the app with delivery tracking

Supported debt types

Medical debt, credit cards, auto loans, personal loans, student loans, utilities, telecom, rent, and more.

Frequently Asked Questions

Got questions? We've got answers.

A debt validation letter is a formal request you send to a debt collector requiring them to prove they have the legal right to collect the debt and that the amount is accurate. Under the FDCPA, collectors must respond within 30 days or cease collection activities.