Sued or hassled by a debt collector?
Start with the right next step.
We accept inquiries nationwide. Eligible California matters may qualify for limited written creditor outreach through Lion Legal, P.C. Court work and out-of-state matters may need independent local counsel. Start with a free case review today.
How it works
Four steps to the right lane.
The review separates limited creditor outreach from court work and out-of-state matters that need separate local help.
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 review the account, location, current documents, and whether the limited California creditor-outreach service may fit.
The right lane
California matters may enter limited creditor outreach. Court work and out-of-state matters need self-help, legal aid, or separate local counsel.
Written creditor outreach
For an eligible signed engagement, Lion Legal may seek validation or a written reduction. Results are never guaranteed.
What's happening?
Find your situation.
We review inquiries nationwide. What we can offer depends on your state, the account, and whether court work is involved.
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 identify the facts that matter. For a qualifying California engagement, Lion Legal may use them in written creditor outreach. Court work is separate.
Start my case review →- California creditor outreach is attorney-reviewed and human-controlled
- Free case review — no cost, no obligation
- Account documents and collector conduct reviewed for possible issues
- Know your FDCPA rights — and when a collector has crossed the line
- No Answer, filing, appearance, docket monitoring, or deadline protection included
- Any settlement in writing before you pay a cent
Who's collecting
Harassed or sued by one of these?
Our educational guides cover major collectors nationwide, and our free intake helps route each inquiry.
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 creditorScope and pricing
Clear boundaries. A fee tied to verified savings.
The free review is nationwide. The paid StopCollectors engagement is limited to eligible California creditor outreach.
Free case review
$0
- ✓ Full review of your situation
- ✓ California or local-referral routing
- ✓ Review of the documents you provide
- ✓ No cost, no obligation
California creditor outreach
50%
of verified savings, capped at $1,000
- ✓ One California consumer account
- ✓ Attorney-reviewed written creditor outreach
- ✓ $0 upfront; card saved without a charge
- ✓ No documented reduction means no result fee
- ✓ Fee terms controlled by a signed agreement
Court and out-of-state matters
Separate
- ✓ No Answer or motion preparation
- ✓ No filing or court appearance
- ✓ No docket or deadline monitoring
- ✓ We may try to connect you with independent local counsel
Common questions
The basics, fast.
What happens if I ignore a debt collection lawsuit?
If you don't respond by your court's deadline, the court may enter a default judgment. StopCollectors does not prepare or file an Answer, appear in court, monitor a docket, or protect deadlines. Contact the court's self-help center, legal aid, or a lawyer licensed in your state promptly.
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 may be time-barred when the legal deadline to sue has expired. The rule varies by state and by the facts. A licensed lawyer can evaluate whether it applies; StopCollectors does not prepare court responses.
Do I have to go to court?
Your court controls whether an appearance is required. StopCollectors does not appear in court or cover any court work. Contact the court's self-help center, legal aid, or a lawyer licensed in your state; we may also try to make an independent local referral.
What is a debt validation letter?
A timely written dispute can trigger federal validation duties. For a qualifying California engagement, Lion Legal may prepare written creditor outreach after the agreement and intake requirements are complete.
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 pressured by a debt collector? Start with a free review.
We accept inquiries nationwide. Eligible California matters may qualify for limited creditor outreach; court work and out-of-state matters may need independent local counsel.