How The Review Works
Free, fast, and transparent. Here’s exactly what happens when you engage our firm for a creditor-defense case review.
Intake
After you submit your intake, a member of our team contacts you to gather what we need: the creditor or collector’s name, the approximate debt amount, the status of any lawsuit or collection action, and copies of any legal papers you’ve received.
Statutory Checks:
- Lawsuit status, court date, service-of-process details
- Validity of state exemptions or tribal sovereignty claims
- Jurisdiction-specific interest rate caps
Timeline: 10–15 minute initial consultation.
Evaluation
Our attorneys evaluate your facts for viable defenses (chain-of-title failures, statute-of-limitations defenses, improper service) and any FDCPA counterclaims. We tell you exactly where you stand — in plain English.
Analysis Parameters:
- Effective Annual Percentage Rate (APR) calculation
- FDCPA compliance audit of every collector communication
- Compliance with Fair Debt Collection Practices Act (FDCPA)
Timeline: 2–3 business days.
Resolution
Upon completion, we deliver a plain-English breakdown of your standing. We outline actionable paths forward, putting control back in your hands.
If the creditor has a strong case:
We tell you honestly. We can still explore FDCPA counterclaims where the collector overreached, or referrals for negotiation.
If we find viable defenses:
We outline your grounds to dispute the debt, legally halt payments, or pursue recovery of funds already extracted from your accounts.
If collectors are violating the law:
FDCPA violations carry real consequences for collectors — and real leverage for you. We help you document and respond.
Why My Debt Defense
Attorney-Led
Reviews led by experienced legal professionals who know consumer lending law inside and out.
Truly Free
The review costs nothing. We tell you upfront what any next steps would cost.
Confidential
Your information is protected. We don't sell your data and only discuss your case with you.
Nationwide
We serve clients across the United States and review every case against your specific state's laws.
Ready for Answers?
The review is complimentary. Submit your details and let our team go to work.
Get My Free Review