You Got a Letter. Now What?
70 million Americans are contacted by debt collectors every year. Most don't know their rights.
Threatening Language
Collectors use scary words to make you pay — even when they're breaking the law.
Non-Stop Calls
Calling before 8am, after 9pm, or at your workplace? That's illegal under federal law.
Debts You Don't Owe
45% of CFPB complaints involve debts consumers say aren't theirs. You have the right to demand proof.
Expired Debts
Collectors sue on debts past the statute of limitations. You can fight back.
If any of this sounds familiar, you may have legal violations in your collection letter. Scan it free and find out
How DebtDefend Protects You
Three simple steps to protect your rights
Upload Your Letter
Take a photo or upload a PDF of your debt collection letter. It takes less than 60 seconds.
100% FreeAI Detects Violations
Our AI analyzes every line against federal FDCPA requirements — the same law consumer protection attorneys use. We check for 15+ violation types.
Instant ResultsGet Your Legal Response
Choose your package and get professionally drafted response letters — the same type consumer protection attorneys charge $300+/hour to write.
From $49Scan Results
3 Violations FoundCritical: Missing validation notice
FDCPA § 809(a)
Warning: Threatening language
FDCPA § 806
Warning: Incorrect debt amount
FDCPA § 807(2)(A)
15+ Federal Violations We Scan For
The Fair Debt Collection Practices Act (FDCPA) gives you powerful rights. Most people don't know they have them.
Not sure if your letter has violations? Upload it and we'll tell you — free
Thousands of Americans Have Fought Back
“I received a threatening letter from a collector for a debt I didn't recognize. DebtDefend found 3 violations and helped me send a validation letter. The collector dropped the case within 2 weeks.”
Sarah M.
Texas Verified User
“I was getting called 5 times a day. DebtDefend scanned my letter and found they never sent a proper validation notice. I sent a cease & desist through DebtDefend and the calls stopped immediately.”
Marcus J.
Florida Verified User
“A lawyer wanted $400 just for a consultation. DebtDefend gave me the same type of response letters for a fraction of the cost. Found 2 violations I didn't even know about.”
Linda R.
California Verified User
“They were trying to collect on a 7-year-old debt that was past the statute of limitations in my state. DebtDefend flagged it immediately. Saved me from paying $3,200 I didn't owe.”
David K.
New York Verified User
Consumer Protection, Without the $300/Hour Price Tag
| Feature | Traditional Lawyer | DebtDefend |
|---|---|---|
| Cost | ✕$200–500/hour | ✓$49–99 one-time |
| Time to get response letters | ✕1–3 weeks | ✓Under 5 minutes |
| Available | ✕Business hours, by appointment | ✓24/7, instant |
| FDCPA violation scanning | ✕Manual review | ✓AI scans 15+ violation types |
| Minimum engagement | ✕$500–2,000 retainer | ✓No minimum, pay per use |
We're not replacing attorneys — we're giving you the same starting point they'd give you, at a fraction of the cost. For complex cases, we'll recommend a consumer protection attorney.
Know Your Rights Under Federal Law
The FDCPA protects every American from illegal debt collection. Here's what you need to know.
Frequently Asked Questions
Everything you need to know about DebtDefend
The violation scan is 100% free. You only pay if violations are found and you want us to generate response letters. No credit card required to scan.
No. DebtDefend provides document preparation services based on federal FDCPA law. We generate template letters based on violations found in your collection letter. For legal advice specific to your situation, consult a licensed attorney.
Any letter from a third-party debt collector — medical debt, credit card debt, personal loans, auto loans, student loans. If a collector sent it, we can scan it.
Our AI is trained on federal FDCPA requirements and checks for 15+ violation types. We use the same statute references that consumer protection attorneys use. Our detection accuracy is 97%+.
The collector is legally required to stop collection activity until they validate the debt (for validation letters) or stop all contact (for cease & desist). We provide tracking instructions and deadlines.
If our AI doesn't detect violations, you won't be charged. We only offer response letters when we find actionable violations in your collection letter. You'll still receive a summary of the analysis at no cost.
For most FDCPA violations, our response letters are sufficient. For complex cases involving lawsuits, we recommend consulting a consumer protection attorney — many work on contingency for FDCPA cases.
Yes. Your uploaded documents are encrypted in transit and at rest using 256-bit encryption. We do not share your personal information with third parties. Documents are processed securely and you maintain full control over your data.