The Debt Defense Response Kit is a custom document preparation service that provides case-specific legal documents for individuals being sued by debt collectors. Instead of using generic templates, we tailor each document to match the details of your lawsuit.

✔ A fully prepared Answer to your lawsuit (customized with applicable defenses).

✔ Request for Production or Interrogatories to demand evidence from the plaintiff.

✔ Step-by-step filing instructions so you know exactly how to submit your response

If you don’t file an Answer by the court deadline, the debt collector can request a default judgment against you. This means they can garnish your wages, freeze your bank account, or take other legal actions to collect the debt.

No. We provide document preparation and educational resources to help pro se defendants represent themselves in court. We do not provide legal representation or legal advice.

Most documents are completed within 5 business days after we receive your intake form for normal preparation. We provide a RUSH 48 HOURS service for additional fee. We ensure you get your documents in time to meet your court deadlines.

Yes! While many debt lawsuits are filed by debt buyers who purchase old accounts, original creditors (like banks and credit card companies) also sue consumers for unpaid debts.

The Debt Defense Response Kit can still help you by:

✔ Providing a strong educational response to avoid default judgment

.✔ Challenging missing or incomplete documentation that creditors must provide.

✔ Forcing the creditor to prove their claim by responding correctly with discovery requests.

✔ Helping you assert defenses such as arbitration clauses, statute of limitations, or contract disputes.

📌 No matter who is suing you—original creditor or debt buyer—you must respond. The Debt Defense Response Kit equips you with the right documents to fight back.