Harassed or sued by a debt collector?
We'll help you fight back.
Our attorneys defend you against debt collectors — stopping harassment, negotiating reductions, and filing counterclaims when they break the law. Start with a free case review today.
How it works
Four steps, then we take it from here.
No legalese, no upfront cost — just attorney-led negotiation to get your debt resolved.
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 assess & validate
Our attorney checks the statute of limitations, sends a debt validation letter if you're within the 30-day window, and finds your leverage.
Attorney negotiation
We contact the collector directly, raise FDCPA and state-law defenses, and negotiate the strongest resolution for your case.
Written settlement
We get it in writing before you pay. If you were sued, the goal is the lawsuit dismissed — with prejudice.
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, raise it with the collector, and negotiate until your debt is resolved on the best possible terms.
Start my case review →- Licensed attorney representation in all 50 states
- Free case review — no cost, no obligation
- FDCPA counterclaims at $0 cost to you — the collector pays the fees
- Statute-of-limitations and chain-of-title defenses raised
- Negotiation, not litigation — no court appearances in most cases
- Settlement in writing before you pay a cent
Who's collecting
Harassed or sued by one of these?
We defend clients against 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 consultation
$0
- ✓ Full case review
- ✓ Assessment of your options
- ✓ FDCPA violation check
- ✓ No obligation
Debt negotiation
Flat fee or % of savings
- ✓ Attorney negotiates with the collector
- ✓ FDCPA + state-law defenses raised
- ✓ No court appearances required
- ✓ Settlement in writing before you pay
- ✓ Fee discussed up front, no surprises
FDCPA counterclaim
$0
- ✓ No cost to you
- ✓ Collector pays the attorney fees
- ✓ Up to $1,000+ per violation
- ✓ Collector may owe you damages
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 will enter a default judgment against you. This lets the collector garnish your wages, freeze your bank accounts, and place liens on your property. Contact us for a free consultation — we can negotiate with the collector before it reaches that point.
How are debt-collection lawsuits typically resolved?
Most consumer-debt lawsuits resolve before trial — by settlement, dismissal for lack of standing or insufficient documentation, or in some cases default judgment when the consumer doesn't respond. The outcome depends on the creditor, debt age, statute of limitations, chain-of-title documentation, and your financial situation. Our free consultation walks you through the realistic options for your facts.
What if my debt is past the statute of limitations?
If the debt is time-barred, we have significant leverage — the collector may not be able to legally pursue it. In California the SOL is 4 years for written contracts and installment loans; every state differs. We check this immediately during your free case review.
Do I need to go to court?
No. Our goal is resolution through negotiation, not litigation. Our attorney negotiates directly with the collector to reach a settlement. We only get involved on the court side if absolutely necessary — for example, if a default judgment is imminent.
What is a debt validation letter?
Within 30 days of first collector contact, we can send a debt validation letter via certified mail. This forces the collector to prove the debt is valid and accurate, and all collection activity must stop while they validate. If they cannot validate, they must stop collecting entirely. It's one of the most powerful tools under the FDCPA.
What if the collector broke the law?
If the collector violated the FDCPA — harassing you, making false threats, or suing on time-barred debt — our attorney can countersue. FDCPA cases cost you nothing: the collector pays the attorney fees, and you may receive up to $1,000 or more in damages.
Harassed or sued by a debt collector? Let's review your case.
Free case review — no obligation. Our attorneys check the statute of limitations, screen for FDCPA violations, and negotiate directly with the collector.