Break Debt, Not Sweat
Understand debt collection notices
and explore self-help resources
Understanding a notice?
About DebtCat
Read about DebtCat and its self-help resources for understanding debt collection notices.
Challenge any debt
with our dispute tool
Quickly generate a dispute letter, download a PDF, email it yourself, or let us send it via First-Class or certified mail.
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Frequently Asked Questions
DebtCat is a free self-help tool for understanding debt collection notices. It is not a law firm and does not provide legal advice.
DebtCat offers both free and premium tools that guide you through the debt dispute process. You can create customized dispute letters, download them as PDFs, and choose to send them via first-class or certified mail for added security and tracking.
DebtCat provides free self-help information and tools for creating a dispute letter from information you supply.
Absolutely! You can dispute debts from businesses like credit card companies or debt collectors. However, disputing personal debts between individuals, friends, or family won’t work.
You can start a new dispute with our dispute tool to create your customized dispute letter. Once created, you have several options:
Free Options:
• Email the dispute letter to yourself
• Download the dispute as a PDF
Premium Services:
• We'll print and mail your dispute via USPS First Class Mail
• We'll print and mail your dispute via USPS Certified Mail