Pricing
One Flat Fee, Done For You
Every case is different, but the price isn't. We start with a free case review, then prepare your documents for one flat fee — you review, approve, and sign everything before it's sent.
StopCollectors is not a law firm and does not provide legal advice. We provide self-help document-preparation services; you review and approve everything before it's sent.
Done-For-You Response
We prepare your documents; you review, approve & sign
$499
one-time flat fee — no hidden costs, no percentages
- Court response (Answer) prepared for you to sign
- Debt validation letters if within 30-day window
- Settlement offer letters with your leverage points
- FDCPA + state-law issues flagged in your documents
- Statute of limitations check
- We file & send on your behalf once you've approved
How it works: One flat $499 fee. We prepare your court response, validation letters, and settlement offers; you review, approve, and sign everything; then we file and send it on your behalf. You stay in control and make every decision.
Free Case Review
See where you stand before you pay anything
$0
no cost, no obligation
- We review your situation and documents
- Statute of limitations + FDCPA screening
- Honest read on whether we can help
- 30-day response deadline? We'll tell you fast
- No pressure — you decide whether to move forward
- If a matter needs a lawyer, we help you connect with one
Money-back guarantee: If we review your case and can't help with it, you don't pay. We'll tell you up front whether document preparation is a fit for your situation.
Payment Options: Lump Sum vs. Payment Plan
Lump Sum Payment
- Collectors prefer lump sums — bigger discount for you
- Typically the lowest settlement percentage
- One payment, debt resolved immediately
- Best option if you can afford it
Payment Plan
- Available if lump sum is not feasible
- Higher settlement percentage than lump sum
- Spread payments over several months
- Still reduces your total obligation
What Is Always Included
$0
Free Case Review
Complete assessment, SOL check, FDCPA screening. No cost, no obligation.
Written
Settlement Documents
We help you get everything in writing before you pay. Settlement amount, deadline, dismissal, full release.
FDCPA
Violations Flagged
If the collector broke the law, we help you document it — and can connect you with a licensed attorney to pursue a claim.
What Happens If You Do Nothing vs. When You Respond
If You Do Nothing
- Default judgment entered against you
- Wages garnished — up to 25%
- Bank accounts frozen
- Liens on your property
- Pay 100% of the claimed amount
- Judgment lasts 10-20+ years
When You Respond
- A court response is filed instead of a default judgment
- FDCPA + state-law issues raised in your documents
- Chain-of-title gaps put at issue where applicable
- Documents prepared for you — you review and sign
- Written settlement before any payment
- Dismissal with prejudice on settled lawsuits
Start With a Free Case Review
Every case is different. During your free case review, we look at your situation, check the statute of limitations, screen for FDCPA violations, and give you a realistic picture of your options — before any fees are discussed.
Get Your Free Case ReviewSued or hassled by a debt collector? We'll handle the response.
Free case review — no obligation. We check your deadline, prepare your response and any letters, and you approve everything before it's sent. You stay in control the whole way.