Everything you need to know about debt disputes and your consumer rights.
DebtShield is an AI-powered debt recovery and protection platform. We generate legal demand letters for debt disputes, bank fee recovery, subscription killing, and medical billing challenges — all citing real federal and state laws.
Basic is $9.99/month. Pro is $19.99/month with unlimited letters and escalation support. No contracts, cancel anytime.
The Fair Debt Collection Practices Act (15 USC § 1692) regulates how debt collectors can contact you. They must validate debts within 5 days, cannot use deceptive practices, and must stop collection during validation. DebtShield generates FDCPA-compliant dispute letters.
Under FDCPA § 1692g, you can demand that a debt collector prove they have the right to collect. Send a validation letter within 30 days of first contact. If they can't validate, they must stop all collection activity.
It varies by state: 3 years (NH, MS, NC, SC, AK) to 10 years (IL written contracts). After the SOL expires, the debt is 'time-barred' — collectors can't sue. DebtShield knows your state's SOL and cites it in your letter.
It depends on your state. NC, PA, TX, and SC don't allow wage garnishment for most consumer debts. Other states limit it to 15-25% of disposable earnings. DebtShield generates letters citing your state's protections.
Send a demand letter citing the EFTA (Electronic Fund Transfer Act) and recent CFPB enforcement actions. Many banks will refund 1-2 overdraft fees per year if asked. DebtShield generates the letter automatically.
Under the FDCPA, collectors cannot: call before 8am/after 9pm, use threats, contact you at work if told not to, or contact third parties. Document violations and send a cease-and-desist letter via DebtShield.
Not necessarily. First, demand validation under the FDCPA. Many collection debts are invalid, time-barred, or have incorrect amounts. DebtShield helps you dispute before paying.
DebtShield costs $9.99-$19.99/month (vs $79-$149/month for credit repair). We handle more dispute types (debt collection, bank fees, subscriptions, medical) and generate legally-grounded letters, not generic templates.
Visit consumerfinance.gov/complaint. The CFPB handles complaints about banks, credit cards, and debt collectors. Companies must respond within 15 days. DebtShield generates the complaint letters.
Yes. The No Surprises Act protects against surprise out-of-network charges. 80% of medical bills contain errors. Always request an itemized bill and dispute any discrepancies. DebtShield generates medical billing dispute letters.
Most disputes resolve early — but DebtShield can escalate all the way
Demand the collector prove the debt is valid under FDCPA § 1692g
Legally demand they stop all contact — they must comply
File with the Consumer Financial Protection Bureau — companies must respond in 15 days
Escalate to your state AG's consumer protection division
Small claims court or FDCPA lawsuit — collectors can owe you $1,000+ per violation
DebtShield generates the letters and complaints for every step. Most disputes never need to go past step 2.