Stop Debt Collector Harassment Today — For Free

You have rights under federal law, and we are here to help you enforce them. Applying takes just a few minutes and costs absolutely nothing.

Apply Now

What Happens When You Apply?

When you submit your application, our team goes to work for you.

1. We Stop the Calls

We send a legally binding letter so collectors should stop contacting you.

2. We Dispute the Debt

We challenge inaccurate or incomplete debt records.

3. We Protect Your Credit

We ensure your credit report reflects the dispute properly.

4. We Hold Them Accountable

If they break the law, we take legal action.

The ACD Zero-Fee Guarantee

You might be wondering, "How much is this going to cost me?"

$0

You will never pay out-of-pocket. If a collector violates your rights and we win, they pay the legal fees.

You may receive up to $1,000 in damages, and the debt is often eliminated.

Ready to Take Back Control?

APPLY IN 3 SIMPLE STEPS

Step 1

Step 2

Step 3

Step 1: Tell us how to reach you

Full Name

Phone

Address

Step 2: Help us help you

We’ll need this information to better understand your situation.

Have any of these debt buyers contacted you? (You can select multiple options.)

Please list any debt collectors who have contacted you.

Step 3: Finish your application

I agree to the Privacy Policy.

I consent to a credit review (no impact on credit score).

If your application is accepted you will be contacted to obtain your consent to proceed. You will then receive by email (1) copies of the communication sent to the debt buyer/collector and instructions on how to proceed if contacted by the buyer/collector; (2) a notice at a later date if your debt has not been accurately reported to the Credit Bureau as in dispute.