Sued or hassled by a debt collector?
We'll handle the response.
We prepare your court response, validation letters, and settlement offers — and you review and approve everything before it's sent. You stay in control; we do the heavy lifting. Start with a free case review today.
How it works
Four steps. You approve every one.
No legalese and no guesswork — we do the work, you stay in control of every document before it goes out.
Free case review
Tell us who's collecting, the amount, the type of debt, and whether a lawsuit has been filed. Two minutes, no commitment.
We map your case
We flag your response deadline, check the statute of limitations, and find your leverage — then prepare your court response and any letters for you.
You approve, we send
You review and sign your response and any settlement offer. Nothing goes out until you approve it — then we file and send it on your behalf.
Resolution in writing
Any settlement is captured in writing before you pay a cent. If you were sued, the goal is the case resolved and dismissed.
What's happening?
Find your situation.
Every scenario below is something we handle. Pick the one that matches and tell us what the collector is doing.
I was sued / served with court papers
You usually have 14–30 days to respond. Start here now.
A collector is harassing me
Constant calls, voicemails, pressure tactics.
I got a collection letter
We'll force them to validate the debt in writing.
They say I owe something I don't
Wrong amount, wrong debt, or not my account.
They're calling my employer
Workplace contact after notice is an FDCPA violation.
They're contacting my family
Disclosing debt to third parties is illegal.
They threatened to arrest me
Civil debts cannot result in arrest — a clean FDCPA case.
They keep calling after I told them to stop
Post cease-and-desist contact is a per-violation claim.
Something else entirely
Tell us what the collector is doing — we'll review it free.
Why StopCollectors
The law gives you leverage. We make it work for you.
Most people don't realize how much leverage the FDCPA and state law give them — time-barred debt, missing documentation, collector violations. We find that leverage, build it into your response and settlement offer, and prepare everything for you to review and approve.
Start my case review →- We prepare everything — you stay in control and approve each step
- Free case review — no cost, no obligation
- Statute-of-limitations and documentation defenses flagged for your response
- Know your FDCPA rights — and when a collector has crossed the line
- Most cases resolve in writing — no courtroom required
- Any settlement in writing before you pay a cent
Who's collecting
Harassed or sued by one of these?
We help people respond to the most aggressive debt collectors in America — before or after a lawsuit.
LVNV Funding LLC
debt buyerMidland Credit Management
debt buyerPortfolio Recovery Associates
debt buyerCavalry SPV / Cavalry Portfolio Services
debt buyerCapital One
original creditorDiscover Financial Services
original creditorSynchrony Bank
original creditorCitibank / Citi
original creditorPricing
Simple and transparent.
No hourly fees. No retainers. No hidden costs.
Free case review
$0
- ✓ Full review of your situation
- ✓ Your response deadline, flagged
- ✓ Where your leverage is
- ✓ No cost, no obligation
Done-for-you response
$499
one-time flat fee
- ✓ We prepare your court response
- ✓ Validation + settlement letters prepared
- ✓ You review, approve & sign everything
- ✓ We file & send on your behalf
- ✓ One flat fee — no percentages, no surprises
Money-back guarantee
$0 risk
- ✓ If we can't help with your case, you don't pay
- ✓ Flat fee known up front
- ✓ You control every document
- ✓ Nothing sent without your sign-off
Common questions
The basics, fast.
What happens if I ignore a debt collection lawsuit?
If you don't respond by your state's deadline, the court can enter a default judgment against you — which can let the collector garnish wages, freeze bank accounts, or place liens. The single most important step is filing a response on time. We help you prepare and file that response, fast.
How are debt-collection lawsuits typically resolved?
Most consumer-debt lawsuits resolve before trial — by settlement, by dismissal when the collector can't produce documentation, or by default judgment when the consumer never responds. Responding on time moves you out of the default pile. The outcome depends on the creditor, the debt's age, the statute of limitations, the documentation the collector has, and your finances.
What if my debt is past the statute of limitations?
A debt that's past the statute of limitations is 'time-barred,' which can be a strong point in your favor. SOL periods vary by state (in California it's generally 4 years for written contracts). We help you check whether the deadline may have passed and raise it in your response if it applies.
Do I have to go to court?
Many debt cases resolve through a written response and a settlement offer without a contested hearing. We prepare those documents for you to review, approve, and file. If your case does need an in-person appearance, we'll help you understand your options — including connecting you with a licensed attorney in your state.
What is a debt validation letter?
Within 30 days of a collector's first contact, you can send a debt-validation letter that requires them to prove the debt is valid before continuing to collect. We prepare the letter for you; you approve it, and we can mail it on your behalf. It's one of the most useful tools under the FDCPA.
What if the collector broke the law?
If a collector violated the FDCPA — harassment, false threats, or suing on time-barred debt — you may be entitled to damages (up to $1,000 plus fees). We help you document the violations and understand your options, including connecting you with a licensed attorney to pursue a claim.
Sued or hassled by a debt collector? We'll handle the response.
Free case review — no obligation. We check your deadline, prepare your response and any letters, and you approve everything before it's sent. You stay in control the whole way.