Take control of your debt.
Make them prove what you owe. Fix errors on your credit report. Settle on your terms. Loop in a lawyer to guide you.
From first notice to resolved
Inhouse executes every step, from the first notice to a settled account.
Make them prove
what you owe
- A validation request for the amount, the creditor and proof they own the debt
- Your state’s time limit to sue, and what can restart it, checked against your dates
Stop the calls
and the pressure
- A written request to stop contact, or to reach you only by mail
- Complaints to the CFPB and your attorney general when a collector crosses the line
Fix errors on
your credit report
- Disputes to all three bureaus for wrong, duplicate or reinserted accounts
- Direct disputes to the lender or collector that reported the account
Settle or set up
a payment plan
- A settlement offer or payment plan sized to what you can actually pay
- The deal in writing, with the amount, the dates and how it will be reported
Pricing
Two ways to push back
Do it yourself with expert AI. Bring in a lawyer when it counts.
Inhouse AI
Inhouse drafts your letters and guides each step with collectors.
- Advice on your rights, your state’s time limit and your options
- Validation requests, credit disputes and settlement letters
- Checklist of deadlines, proof to keep and where to send letters
- Step-by-step help to dispute, follow up and settle
Legal services
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Accuracy Guarantee
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24-hour money-back guarantee If you're not happy with the product or service, we'll refund everything.
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What we
see go wrong
Cheap to avoid on day one. Expensive to fix later.
Paying or promising to pay on an old debt
In some states, a payment or a written promise can restart the time limit to sue. Check your state’s limit before you pay or sign anything.
Disputing a debt only by phone
A call leaves no record and gives the collector less to answer. Put every dispute in writing, send it certified and keep the receipt.
Treating a “pre-legal” notice as a lawsuit
A real lawsuit has a court and a case number. One Virginia collector sent a mock summons with neither, so check the court record first.
Settling without the deal in writing
Without a signed agreement, the rest of the balance can be sold and collected again. Get the amount, the terms and the reporting in writing first.
Disputing your credit report once and stopping
One $20,000 collection came back a year after it was removed. Keep your copies, check your reports again and dispute any reinserted account.
Ignoring a collector’s first letter
Your window to dispute in writing starts with the first notice. Ask them to prove the debt early, while they still have to pause and answer.
Results
Real examples of how we’ve helped people handle collectors.
A collector sent 8 emails in a week. The reply was a written demand for proof.
The collector wanted $779 by the next day and warned of pre-legal action. Inhouse drafted a validation request sent by certified mail, then complaints to the CFPB and the Virginia attorney general.
8
collection emails in one week
One day to settle $779, or else
After a tornado totaled his car, he challenged an $8,387 balance and found an error in the loan.
A $2,205 debt was weeks from New York’s time limit, and Social Security income can’t be garnished.
Ask them to prove it first. We drafted a validation request by certified mail, then CFPB and state complaints.
A validation and dispute letter, sent certified, plus what the law requires collectors to tell you.
In New York a payment doesn’t restart the three-year limit, and Social Security can’t be garnished.
Yes. We drafted a validation demand to the collector and a credit bureau dispute of the account.
Rarely. We explained when family can be held responsible and drafted a notice telling callers to stop.
Dispute letters to all three bureaus and validation demands to two debt buyers.
A bureau dispute, a demand to the collector and a CFPB complaint about the reinserted account.
Disputes to the three bureaus and to the lender, sent together by certified mail.
Three negative accounts, put in order, with a pay-for-delete offer and a validation letter.
Hardship programs, validation and settlement. We drafted a hardship letter and a settlement letter.
Related documents
Credit report dispute
Fix wrong accounts with all three bureaus.
Debt validation letter
Make a collector prove what you owe.
CFPB complaint
Report a collector to the federal regulator.
Attorney general complaint
Report a collector to your state.
Demand letter
Tell a collector which rules they broke.
Settlement offer letter
Offer a lump sum to close the account.
Pay-for-delete offer
Pay in exchange for removing the account.
Payment plan
Set monthly payments you can keep up.
Hardship letter
Explain why you need lower payments.
Settlement agreement
Get the final deal in writing.
Cease communication letter
Tell a collector to stop contacting you.
Identity theft affidavit
Dispute a debt that was never yours.
Direct dispute to lender
Dispute an account with whoever reported it.
Goodwill letter
Ask a creditor to remove a late payment.