The library
16 guides, each citing the statute it relies on, each with the letter you would actually send. No paywall, no email required, no referrals.
Tools
Debt Removal Action Plan
Enter your debts and get a prioritized plan with the matching letter templates for each one.
Open the generatorDebt Snowball Calculator
See which debt to clear first and what the payoff date looks like either way.
Open the calculatorDebt validation and collector defense
Make a collector prove the debt is yours before you pay a cent — and know what they are forbidden to do.
How to Validate a Debt Collector
FDCPA §809The letter that forces a collector to prove the debt is yours, accurate, and legally collectible.
Debt Collector Rights and FDCPA Violations
FDCPAWhat collectors may legally do, what they may not, and how to document a violation.
Statute of Limitations on Debt, by State
State lawState-by-state table. Once the clock expires, the debt is no longer legally enforceable in court.
Junk Fees in Collections
FDCPAHow to strip fees and interest a collector was never contractually entitled to add.
How to Negotiate Debt Settlement
Contract lawThe call script and the written terms to insist on before you send any money.
Medical debt
Medical bills are the most common debt in collections in the country — and the most frequently mishandled.
Credit report cleanup
Credit reporting is the single largest category of consumer complaint in the United States. These are the disputes that get traction.
How to Remove Collections from a Credit Report
FCRAThree routes: bureau dispute, pay-for-delete, and direct furnisher challenge.
609 Letter: Force the Bureau to Verify
FCRA §609Demands the source documentation behind a tradeline rather than a rubber-stamp check.
Method of Verification (MOV) Letter
FCRA §611What to send when a bureau replies only 'verified' and tells you nothing about how.
Debt Re-Aging
FCRAHow collectors illegally reset the seven-year clock when a debt is sold, and how to catch it.
Goodwill Letter for a One-Off Late Payment
Creditor discretionLow odds, zero cost, and worth trying on an otherwise clean account.
Tax and special protections
The traps and shields most people never hear about until it is too late.
Escalation and strategy
When a collector will not cooperate, and how to choose a payoff order.
The rules we hold ourselves to
- —Every letter template and guide on this site is free. There is no paywall and no email requirement.
- —We take no referral fees and send no one to debt-relief or debt-settlement companies.
- —We carry no advertising and no affiliate links, so no third party influences what gets published.
- —Every tactic cites the statute or regulation it relies on, so you can verify it yourself.
- —This is educational information, not legal or financial advice, and not a substitute for an attorney.
More on who writes this and why: about DebtHitman.