The Kit — $39, one time

Everything the decoder points at, in your hands

The free checker tells you where you stand with a debt collector. The kit gives you the tools for the stages ahead: the letter builder, the call log, the old-debt trap worksheet, the 'what they can't take' pack, the offer math, the complaint walkthrough, the honest directory, and the full 50-state deadline tables with their laws cited.

Get the Kit — $39

Included in the $39 DebtDecoded Kit

  • The letter builder — answer a few questions and it writes your letters: the one that makes them prove the debt is yours, and the one that orders them to stop calling. Wording follows the federal rulebook (Regulation F). Ready to print and mail
  • The old-debt trap worksheet — checks your dates against your state's restart rule before you pay or sign anything, so one small payment can't quietly restart the clock on an old debt (the trap lawyers call 'revival')
  • The call log — counts their calls against the legal line: more than 7 calls in 7 days about one debt counts as harassment (12 CFR 1006.14(b)(2))
  • The 'what they can't take' pack — what a court judgment can and cannot take in your state, including the rule that shields two months of federal benefits sitting in your bank account (31 CFR Part 212)
  • The offer-math worksheet — what a 'deal' really costs once fees and the tax on the written-off part are counted (that tax shows up on Form 1099-C)
  • The complaint walkthrough and the honest directory — who to call instead when a free or better route fits you

One payment. Every stage of the road, and the deadline tables for all 50 states — every number with its law cited. No account, no subscription — and the free checker above stays free whether you buy or not.

Get the Kit — $39

DebtDecoded is education, not a law firm. If the checker points you to a free route — legal aid, a lawyer who fights debt collectors, a nonprofit counselor — take it. We would rather lose the sale than sell you the wrong tool.

How it is different — five commitments

We tell you the answer others won't

The best paid letter tool in this market drafts your letters — and pointedly refuses to say whether your debt is too old to sue on, naming no law at all. The kit works it out from your dates, your state, and the law your card's fine print picked, and shows every deadline.

The old-debt trap, computed for you

Blogs mention the trap in passing. The kit computes it: your state, your dates, your trigger — a payment, a signature, both, or legally impossible in your state — before any money moves.

The stages nobody else sells

After a court judgment, and at the very-old-debt stage, no one else sells a product at all. The kit's 'what they can't take' pack and old-debt playbooks are the only ones built as products — from a deadline dataset covering all 50 states, every number with its law cited.

Directions that can cost us the sale

The collector clearly broke the rules → a lawyer who fights collectors. Sued and want it filed for you → SoloSuit. A free form exists in your state → legal aid. Paying really is the best move → an NFCC nonprofit counselor. Bankruptcy is the honest answer → Upsolve. The kit says so, by name, inside the product you already paid for.

No upload, no account, one flat $39

Letter tools charge per letter ($24.99–$49.98 each, and you must upload your letter). The kit is one flat price for the whole road — every stage, every collector, every state table.

DebtDecoded is consumer-rights education in plain English, published by CLEARDEAL LLC. It is not a law firm, it does not contact collectors or courts, and it does not file anything for you. Where a professional or a free service is the right answer, the kit routes you to them by name.

Quick answers

Why not just buy a letter?

Because letters are everywhere — free versions exist, and AI letter tools run $24.99 to $49.98 per collector. What is hard to find is the thinking around the letter: which one, by when, in which state, with what trap attached. That is what the $39 buys.

Does the kit talk to the collector for me?

No — nothing here contacts a collector, a court, or a bureau. The kit builds your letters and worksheets; you send them. Keeping you the sender is deliberate: your letters, your proof of mailing, your record.

What if I should not buy it?

Run the free checker first. If it points you to legal aid, a lawyer, a nonprofit counselor, or a filing service, follow that direction. The kit is for the large middle: people whose best move is handling it themselves, informed, with the right state's numbers.