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Free tools

Quick answers for the first questions people have when a collector gets in touch. No sign-up, and your answers stay on your device.

• When is your deadline to dispute a debt?Work out the last day to dispute a debt and make the collector stop until it proves it. Uses the federal 30-day rule, weekends and federal holidays. Free.
• How long can a debt collector come after you?Pick your state, the type of debt and your last payment to see when a collector can likely no longer sue, and what can restart the clock. All 50 states and DC.
• Is this debt collector real? Check a message for warning signsPaste or scan a debt collector's letter, text or email to see scam warning signs, checked against FTC and CFPB guidance and collectors' official details. Free.
• Who is this collector?Search by the name on your letter, including the other names collectors use, and find the guide to that company.