The full debt toolkit.
Free.
Eight tools that put information on your side. No signup required. Browser-only, nothing sent or stored.
Statute of Limitations Checker →
Pick your state and debt type to see the SOL years, the relevant state code citation, and warnings about resetting the clock.
Debt Validation Letter Generator →
Generate a free FDCPA §1692g(b) validation letter in under two minutes. Browser-only, nothing sent or stored.
Validation Response Analyzer →
Tell us what the collector sent back. The analyzer maps you to one of the five FDCPA scenarios with a specific next step.
90-Day Validation Tracker →
Enter the date you mailed your validation letter. Get personalized milestone dates, Day 31, 65, 90, 180, saved in your browser.
Credit Bureau Dispute Generator →
Generates three FCRA §1681i dispute letters, Equifax, Experian, TransUnion, for collection accounts the collector failed to validate.
Snowball vs Avalanche Calculator →
Add your debts, set a monthly budget, and compare the snowball and avalanche payoff strategies side-by-side.
Settlement Offer Calculator →
Estimate a realistic settlement range based on holder type, age, and account status, plus the checklist that keeps you from getting burned.
Credit Utilization Calculator →
See your overall and per-card utilization, plus exactly how much to pay down to hit the 30% or 10% scoring thresholds.
Important disclaimer
The Debt Defense Kit and its free tools provide educational templates and information about consumer rights under the Fair Debt Collection Practices Act (15 U.S.C. §1692 et seq.) and related state consumer protection laws. They are not legal advice, and no attorney-client relationship is created. Individual circumstances vary. Consult a licensed attorney in your jurisdiction for advice on your specific matter. Testimonials reflect individual experiences and do not guarantee similar results.