Debt Defense

Upload your collections letter.
Get your defense packet.

Debt Defense reads the letter, identifies FDCPA violations, checks the statute of limitations, and generates the letters you need — validation demand, cease and desist, dispute letter, or settlement offer — before you respond or pay anything.

Credit card collectionsMedical debt Auto loan deficiencyUtility collections Old / unknown debtPaid debt re-collected
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Upload
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Your situation
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Defense packet
Upload your collections letter

Take a photo, upload a file, or paste the text. Time matters — act within 30 days of first contact.

△ Your 30-day validation right under federal law begins from the date of first contact. Do NOT pay before analyzing.
letter.pdf
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Drop your collections letter here
Photo, PDF, screenshot, or mailed notice
— or paste the letter text —
Your letter is analyzed and not stored. Documents are deleted after processing. Debt Defense provides consumer rights education and template language — not legal advice. For debts over $10,000 or involving lawsuits, consult a consumer rights attorney. Many take FDCPA cases on contingency.
Analyzing your collections letter...
Reading letter fields...
Scanning for FDCPA violations...
Checking statute of limitations...
Building defense packet and letters...
Tell us your situation

Your answers determine which letters to generate and whether the statute of limitations applies.

1. Do you recognize this debt?
2. Approximately when did you last make a payment on this account?
3. What state do you live in?
4. Was this letter the first contact?
5. What outcome do you want?
Your defense packet

Based on your letter and situation.

You've used your free analysis.

Unlock the full packet — and act before your 30-day window closes.

One time
$24.99
One letter. Full packet. PDF delivered.
Get this analysis
ReadTheClause is not a law firm. This is consumer rights education and template language — not legal advice. For FDCPA claims or debts over $10,000, consult a licensed consumer rights attorney.