You have more rights
than you think
Statute of limitations calculator, debt validation letters, and state-by-state defense guides. Everything you need to understand your rights and respond to collectors — written in plain language by people who have been where you are.
Tools
Check your rights in under a minute
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Statute of Limitations Calculator
Find out if your debt is past the legal deadline for lawsuits. Check all 50 states and 6 debt types.
Debt Validation Letter Generator
Generate a free FDCPA-compliant letter requiring collectors to prove you owe the debt before you pay anything.
Debt Lawsuit Screener
Being sued for a debt? See your deadline, possible defenses, and exactly what to do next.
Guides & Resources
Understand your situation
Every state has different rules. These guides explain yours in plain language.
State Debt Defense Guides
SOL by debt type, garnishment limits, property exemptions, and court procedures for every state.
Wage Garnishment Calculator
Find out how much of your paycheck is protected from garnishment under federal and state law.
Bankruptcy Screener
See if Chapter 7 or Chapter 13 might make sense for your situation, based on your income and debts.
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot harass you, lie to you, or use unfair practices. You have the right to demand proof of any debt, stop collectors from contacting you, and sue collectors who violate the law. These are your rights. They apply to everyone, regardless of how much you owe.