What You Get
When you request a free evaluation and we respond, you receive the complete California Debt Settlement System — at no charge.
Request Your Free Evaluation →The California Debt Settlement System — Included Free With Your Evaluation Response
| What’s Included | What It Does |
|---|---|
| FDCPA Violation Tracker | Documents every collector violation worth up to $1,000 in statutory damages |
| SOL Calculator | Determines if your debt is time-barred under California’s 4-year statute of limitations |
| Debt Validation Demand Letter | Forces the collector to prove ownership and chain of title |
| Cease and Desist Template | Legally stops all collector contact |
| Settlement Negotiation System | Three-tier offer structure and written agreement template |
| Lawsuit Response Guide | How to answer a debt collection lawsuit with every affirmative defense |
| Garnishment Exemption Toolkit | Claim hardship exemptions and protect exempt income from levy |
| 12 Claude AI Prompts | Fill in your facts, get a complete settlement strategy |
How to get it
Submit your free evaluation request. We respond within one business day. The complete system comes with our response — no charge, no obligation.
Request Your Free Evaluation →
No cost. No obligation. Educational use only. Not legal advice. Justice Foundation.