Sued by a Debt Collector? Fight Back.
We help you respond to the lawsuit and check if the collector broke the law — for a flat fee. If they violated your rights, our attorneys take the case at no cost to you.
10,000+
Answers Prepared
50
States Covered
85%
Cases Won or Settled
$0
Attorney Cost if FDCPA Violated
How It Works
Three steps to protect yourself from a debt collection lawsuit.
Tell Us What Happened
Answer a few questions about the lawsuit, the creditor, and your situation. Takes about 10 minutes.
We Prepare Your Defense
We draft your Answer with all applicable defenses, check for FDCPA violations, and prepare your filing.
Fight Back or Countersue
File your Answer. If the collector broke the law, our attorneys take your FDCPA case at no cost to you.
Two Paths to Fight Back
Defend the Lawsuit
We prepare your Answer with defenses like statute of limitations, lack of standing, and incorrect amounts.
Starting at $149
Flat fee. No surprises.
Countersue for FDCPA Violations
If the collector broke the law, our attorneys take the case. You pay nothing — the collector pays.
$0 Attorney Cost
Attorney fees paid by the collector under FDCPA.
Being Sued by One of These Collectors?
We defend against the most aggressive debt collectors in America.
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 creditorSimple, Transparent Pricing
No hourly fees. No retainers. Just results.
Basic Answer
$149
- Answer document prepared
- All applicable defenses
- SOL check
- Filing instructions
Standard Defense
$199
- Everything in Basic
- FDCPA violation review
- Debt validation letter
- Settlement negotiation guide
- Free attorney referral if FDCPA violated
Priority + Filing
$299
- Everything in Standard
- Same-day preparation
- We file with the court for you
- Proof of service preparation
- Priority support
Frequently Asked Questions
What happens if I ignore a debt collection lawsuit?
If you don't respond by your state's deadline, the court will enter a default judgment against you. This allows the collector to garnish your wages, freeze your bank accounts, and place liens on your property. The single most important thing you can do is file your Answer on time.
How much does it cost to respond to a debt collection lawsuit?
Our Answer preparation starts at $149 for a basic defense and $199 for our standard package that includes FDCPA violation review. If we identify violations, our affiliated attorneys take the case at no cost to you — the collector pays the attorney fees under the FDCPA.
What is the FDCPA and how does it protect me?
The Fair Debt Collection Practices Act is a federal law that prohibits abusive, unfair, and deceptive practices by debt collectors. Common violations include suing on time-barred debts, harassment, making false statements, and failing to validate debts. You can recover up to $1,000 per violation, plus actual damages and attorney fees.
Can I countersue a debt collector?
Yes. If a debt collector violated the FDCPA — for example, by suing on debt past the statute of limitations, calling you excessively, or making false threats — you can countersue. FDCPA cases are taken on contingency by consumer rights attorneys, meaning you pay nothing upfront.
How do I know if the statute of limitations has expired?
The statute of limitations varies by state and debt type, typically 3-6 years. It usually starts from the date of your last payment or activity on the account. We check this for you as part of every Answer we prepare. If the debt is time-barred, this is a powerful affirmative defense.
Don't Let Debt Collectors Win
Respond to your lawsuit before the deadline. We'll prepare your Answer and check if the collector broke the law.
Flat fee. No hidden costs. Response deadline protection.