Basic
$11.99 one time
The essentials to respond clearly and protect your position.
- Personal action plan
- FDCPA debt-validation letter
- What-not-to-say list
- Instant PDF
Private, practical, educational self-help
You lost the case. They sold the debt. Here’s exactly what to do next.
Answer six plain-language questions. Get a personalized action plan, carefully worded letters, negotiation guidance, and a printable package for your state and debt type.
Your case details stay in your browser
Guidance tailored to all 50 states + D.C.
Instant printable documents after checkout
How it works
A clear path when everything feels uncertain
01
Tell us what happened
Six focused questions about the judgment, collector, debt, state, credit reporting, and anything else that matters.
02
Review your options
We organize the facts into a measured plan and provide language you can use without making risky admissions.
03
Download your kit
Choose a one-time package, complete secure test checkout, and download your customized PDF immediately.
What people say
Real feedback from people who used the kit
Draft quotes — please review and edit before publishing.
“The kit helped me organize my thoughts and respond with confidence.”
Alyson Smith
“Clear, simple, and exactly what I needed during a stressful time.”
Mike Hamilton
“El kit me ayudó a entender mis opciones y organizar mis documentos sin sentirme abrumado.”
Alejandro Romero
“Me gustó que fuera directo y fácil de usar. Sentí que tenía un plan claro.”
Rochelle Guerrero
Simple one-time pricing
Choose the level of support you need
No subscription. Preview your personalized summary before checkout.
Premium
Most popular$29.99 one time
More guidance for conversations, credit reporting, and deadlines.
- Everything in Basic
- Negotiation script
- FICO impact explanation
- Cease-and-desist option
- State deadlines calendar
Premium Plus
$39.99 one time
The complete printable package for a more complex next step.
- Everything in Premium
- Escalation / settlement letter
- Evidence checklist
- State re-suit risk notes
- Full printable package
Frequently asked questions