Disclaimer

The Debt Defense Kit (the “Kit”) and the free tools on this site (collectively, the “Materials”) are a collection of educational templates and informational resources regarding consumer rights under the Fair Debt Collection Practices Act (15 U.S.C. §1692 et seq., the “FDCPA”) and related state consumer protection statutes.

Not legal advice

Nothing in the Materials constitutes legal advice, and no attorney-client relationship is created by purchase, download, or use. The Materials are general educational resources. They do not account for the specific facts of your situation, the law of your jurisdiction at any particular time, or the strategy that may be appropriate for your case.

Statutes change. Court decisions interpret statutes differently over time. The application of the FDCPA and state consumer protection laws to a particular debt or collector depends on facts that only a licensed attorney can evaluate. For advice on your specific situation, consult a licensed attorney in your jurisdiction.

No outcome guaranteed

Individual outcomes vary. Testimonials reflect the personal experiences of the individuals quoted and are not a guarantee that you will achieve similar results. Whether a debt is successfully validated, settled, or removed from your credit report depends on many factors outside the control of the Kit and the publisher.

Not a credit repair organization

The publisher of this site is not a credit repair organization within the meaning of the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.). The Materials do not promise to improve, repair, or modify your credit record, history, or rating. They are educational resources sold for a one-time fee and do not require any ongoing service relationship.

Tax consequences

Settlement of a debt may have tax consequences. Forgiven debt of $600 or more is generally reported to the IRS by the creditor on Form 1099-C and may be taxable as ordinary income unless an exclusion applies. Consult a tax professional regarding your specific situation.

State of the data

The state-by-state statute of limitations data on this site is compiled from publicly available sources and reviewed periodically (with the “last verified” date shown on the tool). Statutes change. Verify current law before relying on this data for any legal action.