Credit & Debt Advocacy
Restoring financial stability and peace of mind. We fight collection companies so you don't have to.
Upload Your LetterWhat We Do
We fight collection companies on your behalf.
Collection agencies often use aggressive, misleading, or outright illegal tactics to collect debts — many of which violate the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
Simply upload your most recent letter (front and back) from the collection companies that are being reported on your credit report and we'll let you know whether we can help.
FDCPA Violations
We identify illegal collection practices and pursue remedies on your behalf.
Credit Report Disputes
We challenge inaccurate, outdated, or unverifiable items on your credit report.
Debt Negotiation
We negotiate directly with collectors to reduce, settle, or remove accounts.
How It Works
Three simple steps
Upload Your Letter
Scan or photograph the front and back of your most recent collection letter and upload it here.
We Review It
Our team reviews the letter to identify violations, errors, and grounds for dispute.
We Let You Know
We'll contact you within 2 business days to tell you whether we can help — and what the next steps look like.
Transparent Pricing
Our fee structure
Performance-based pricing — you don't pay our success fee until after we've removed the account from your credit report.
Due at Start
$99 Intake Fee
A one-time intake, audit, and document processing fee due when you engage our services. This covers the full review of your collection letters, credit report audit, and case setup.
Paid After Removal
15% or $100 — whichever is greater
Our success fee is 15% of the total debt removed per line item, with a $100 minimum per account. You don't pay this fee until after we've successfully removed the account. Funds are held in escrow and released only upon confirmed removal.
We do not need your Social Security number.
Your privacy is protected. We work directly from your collection letters and credit report — no SSN required to get started.
Escrow Protected
Your success fee is held in an escrow account and only released to us after removal is confirmed on your credit report.
Bureau Policy
If the same account appears across Equifax, Experian, and TransUnion, one flat fee covers removal from all three bureaus — no extra charges per bureau.
No Removal, No Fee
If we are unable to remove the account, you owe nothing beyond the initial $99 intake fee. Our success is tied directly to yours.
Example fee calculations
At 15% — $100 minimum applies per line item
| Collection Balance | 15% of Balance | Fee Charged |
|---|---|---|
| $300 | $45 | $100 (minimum applies) |
| $500 | $75 | $100 (minimum applies) |
| $750 | $112.50 | $112.50 |
| $1,000 | $150 | $150 |
| $5,000 | $750 | $750 |
All fees are per line item removed. The $99 intake fee is separate and due at engagement. Success fees are held in escrow and released only upon confirmed removal.
Get Started
Upload your collection letter
Upload the front and back of your most recent letter from the collection company. We'll review it and contact you within 2 business days.
FAQ
Common questions
Have questions before uploading?
Reach out directly — we're happy to answer any questions before you submit.