Know your rights before you respond to debt collectors
Upload or paste any letter from a debt collector. Instantly see what they can legally demand, spot FDCPA violations, understand your 30-day validation rights, and get a clear action plan — before you respond or pay anything.
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What It Analyzes
Every key area reviewed, flagged, and explained in plain English.
FDCPA Violation Detection
Identifies when debt collectors violate the Fair Debt Collection Practices Act — threatening illegal actions, misrepresenting amounts, or using prohibited tactics.
30-Day Validation Window
Clearly identifies whether your 30-day window to demand debt validation is still open — and what to do if it is.
Statute of Limitations Check
Flags when collectors are attempting to collect on debts past the statute of limitations — a common tactic that may itself be an FDCPA violation.
Debt Details Extraction
Pulls out the collector's name, claimed amount, original creditor, account details, and response deadline.
Threat Assessment
Evaluates whether threats made in the letter (lawsuits, wage garnishment, credit reporting) are legally actionable or empty intimidation.
Response Strategy
Provides a specific, step-by-step action plan — whether to dispute, validate, negotiate, or ignore.
How It Works
Three steps to instant insights
Upload or Paste
Drop a PDF or paste your document text directly into the tool.
AI Analysis
Our AI processes your document and extracts key information, risks, and recommendations.
Get Your Report
Receive a structured report with plain-English explanations and actionable next steps.
What You Get
Every analysis includes a comprehensive, structured report.
Frequently Asked Questions
What is the FDCPA?
The Fair Debt Collection Practices Act is a federal law that limits what debt collectors can do and say when attempting to collect a debt. It prohibits harassment, false statements, and unfair practices. Violations can entitle you to sue the collector for up to $1,000 in statutory damages plus actual damages and attorney fees.
What happens if I ignore a collection letter?
Ignoring a collection letter doesn't make the debt go away. However, you should NOT respond or pay anything before understanding what the collector can legally demand. Our analysis tells you exactly what your options are before you take any action.
What is a debt validation letter and should I send one?
A debt validation letter demands proof that the debt is valid and that the collector has the legal right to collect it. You generally have 30 days from first contact to demand validation. Our analyzer tells you whether your window is still open and gives you the language to use.
Can a debt collector sue me?
Collectors can sue you for legitimate debts within the statute of limitations. However, many collection letters threaten lawsuits on time-barred debts or on debts the collector hasn't verified. Our analysis identifies whether the threats in your specific letter are legally credible.