Free checker
Where do I stand?
Six answers. One clear result: where you are on the road, which of your deadlines are still live, whether your debt looks too old to sue on in your state (worked out from your own dates), the old-debt trap warning if your state has one, and the one move that matters this week.
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.