Frequently Asked Questions

We prepare legal documents to help you respond to debt collection lawsuits. We draft your Answer with all applicable defenses, check for FDCPA violations, and connect you with attorneys if the collector broke the law.

No. StopCollectors is a legal document preparation service. We prepare documents at your direction. Legal representation for FDCPA claims is provided by affiliated consumer rights attorneys.

Our Basic Answer starts at $149, Standard Defense is $199, and Priority + Filing is $299. These are flat fees with no hidden costs. If FDCPA violations are found, attorney representation is free — the collector pays.

Standard delivery is 2-3 business days. Priority delivery is same business day. If your deadline is urgent, call us and we will expedite.

If a default judgment has been entered, you may be able to file a motion to vacate. Contact us to discuss your options.

Yes. We prepare Answers for debt collection lawsuits filed in all 50 states and the District of Columbia.

An affirmative defense is a legal reason why the collector should lose even if the debt is real. Examples include statute of limitations (debt is too old), lack of standing (they can't prove they own the debt), and incorrect amount.

The case enters the discovery phase where both sides can request information. Many cases are dismissed or settled after the Answer is filed because the collector does not have adequate documentation.

Yes. If the collector violated the FDCPA, you can file a counterclaim. FDCPA violations carry statutory damages of up to $1,000 plus actual damages and attorney fees.

Even if you owe the debt, you have rights. The collector must prove the correct amount, they must sue within the statute of limitations, and they must follow the FDCPA. Filing your Answer protects you and gives you leverage to negotiate.