DebtDefense
The analysis is free — you pay for the documents

Your complete defense: $449.

Priced automatically to what you're being sued for — smaller suits start at $79, and your exact price appears after your free case analysis. Compare that to a $1,500–$5,000 attorney retainer, years on a collector's payment plan — or the judgment and garnishment that come from doing nothing.

SUED FOR UNDER $500
$79flat

One package, everything included — response documents, prove-it demands, checklists, and reminders. Sized so defending is an obvious yes.

Start free — see your case
SUED FOR $500–$2,499
$149flat

The same complete package, priced to the stakes. Everything included, nothing held back.

Start free — see your case
SUED FOR $2,500 AND UP
$449Complete Defense

Both stages up front (save $50) — or pay as your case progresses, $249.99 per stage.

Start free — see your case

Your price is set automatically from the amount on your lawsuit and locks when you confirm your case details. You never pick a tier.

Sued for $2,500 or more? Pay as your case progresses.

The Complete Defense is both stages for $449 (save $50) — or take them one at a time, $249.99 as your case reaches each stage.

START HERE
Stage 1 — Respond & Defend
Beat the deadline. Make them prove it.
$249.99
✓Full detail on every issue found in the paperwork filed against you
✓Your court response document, pre-built from the findings
✓The prove-it documents that force the debt buyer to show its paperwork
✓Court-format .docx and PDF downloads + your courthouse filing checklist
✓Certificate-of-service builder and deadline reminders
Most debt-buyer lawsuits end here.
Get started
THE LEVERAGE
Stage 2 — Make It Cost Them
Their contract. Your weapon.
$249.99
✓Arbitration clause breakdown of THEIR agreement
✓The complete arbitration election package (JAMS/AAA demand, statement of claims, cover letter)
✓Motion to stay, document subpoena, and evidence objection
✓Two-lane certified-mail checklist — court papers one way, the company's the other
Debt buyers can owe $5,000+ in arbitration fees to chase $7,000. Most dismiss instead. Billed only when you proceed.
Get started

Your price is based on the amount you're being sued for and locks when you confirm your case details. The documents are the product: fees are refundable before your documents are generated and non-refundable once they are. Stage 2 is billed only when you proceed. The full terms — what's included and the disclaimers — are in the agreement you review and sign before you begin. Launch pricing, subject to change before general availability.

Buy with confidence

You see your whole case for free before you pay a cent, and you're protected after.

See everything free first

Your full case analysis costs nothing, and you'll know exactly what you're buying before you pay.

Full refund before you generate

Change your mind any time before generating your documents and we'll refund you, no questions asked.

Court-format promise

If a clerk won't accept a DebtDefense document because of its formatting, we'll fix it free or refund that document's purchase.

Price shown upfrontNo subscription, no recurring chargesSecure paymentYou make every decision

Questions people ask

Is this legal advice?+
No. DebtDefense is not a law firm, does not provide legal advice, and no attorney-client relationship is created by using it. It's self-help document preparation and education software — like tax software, but for court documents. You make every decision by choosing from options that are explained in plain English; the software assembles documents from the information you provide.
How is my price set?+
Automatically, from the amount you're being sued for — it's on the papers you upload. Under $500 → $79. $500–$2,499 → $149. $2,500 and up → the Complete Defense at $449, or $249.99 per stage as your case progresses. You never pick a tier, and the price locks when you confirm your case details.
What is a debt buyer?+
A company that purchases charged-off debts from banks and lenders — usually in bulk, for a small fraction of face value — and then tries to collect the full amount, often by filing lawsuits. If you're being sued by a company you've never heard of (LVNV Funding, Midland Credit Management, Portfolio Recovery Associates, and similar names), it's very likely a debt buyer.
What is arbitration, and why does it matter here?+
Arbitration is private dispute resolution outside of court. Most credit card agreements contain a clause requiring it — written by the bank, and usually still binding after your debt is sold. Under consumer arbitration rules, the consumer's fees are capped at a small filing fee while the business owes the rest, which can exceed the debt itself. Many debt buyers dismiss rather than pay; some don't. No outcome is guaranteed — DebtDefense explains what your specific agreement says so you can weigh the option.
What states does DebtDefense support?+
Virginia at launch, with Maryland and Washington, DC next. Tell us your state when you get started — it directly shapes the rollout order.
What if my court date is only days away?+
Deadlines in debt cases are short, and missing the deadline to respond — or the court date printed on the papers — is how most cases end in default judgment. DebtDefense computes your key dates from the papers you were served. People facing an immediate deadline also commonly contact the court clerk, legal aid, or a consumer attorney — many offer free consultations, and every state has legal aid programs.
Isn't it easier to just settle?+
Settling is always an option, and for some people it's the right one. But it's worth making that choice informed: a debt buyer that sues must be able to prove it owns your specific debt and the amount — and defendants who respond often discover the paperwork behind the lawsuit is thinner than the complaint suggests. DebtDefense exists so the decision is yours, made with full information, not made by default.

Explore more

How it works
The three steps, start to filed.
Document examples
See the motions we prepare.
Results & story
Real Fairfax County dismissals.
Video tutorials
Watch how to use the app.
Learn
Plain-English guides.