Interactive Debt Lawsuit Defense Utilities
Utilize verified jurisdictional tools to assess whether your debt is legally enforceable, estimate settlement discount targets, and evaluate affirmative defenses.
Statute of Limitations on Debt Calculator
Determine if your credit card or personal loan debt is time-barred under state law based on your date of last payment and contract classification.
Calculate SOL →Lawsuit Settlement Savings Estimator
Estimate lump-sum discount ranges (30% to 50% for debt buyers like Midland, PRA, LVNV) and calculate structured payment plan terms.
Estimate Savings →Affirmative Defense Strength Evaluator
Audit the strength of your legal defenses against debt buyers: lack of standing, broken chain of title, robo-signed affidavits, and improper service.
Evaluate Defenses →Cornerstone Legal Defense Guides
Step-by-step procedures to answer lawsuits, demand evidentiary proof, and hold abusive collectors accountable.
How to Answer a Debt Lawsuit Without a Lawyer
Learn how to format a formal Answer, deny unverified allegations, assert mandatory affirmative defenses, avoid default judgment, and file certificates of service.
Read Full Answer Guide →Debt Buyer Chain of Title & Standing Defenses
How to challenge third-party debt buyers (Midland Credit, Portfolio Recovery, LVNV). Learn how to attack missing bills of sale, redacted account schedules, and hearsay affidavits.
Read Standing Guide →50-State Statute of Limitations on Debt Table
Complete statutory reference for all 50 states detailing limitation periods for open-ended credit card accounts, written contracts, promissory notes, and oral agreements.
View 50-State Table →FDCPA Violations & Counterclaims
Identify abusive collection tactics under 15 U.S.C. § 1692. Learn how suing on time-barred debt triggers $1,000 statutory damages plus mandatory attorney fees.
Read FDCPA Guide →State-Specific Debt Lawsuit Defense Hubs
Local court rules, statutory consumer protection acts, and pleading requirements in the largest jurisdictions.
California Debt Defense
California Fair Debt Buying Practices Act (CC § 1788.50), 4-year SOL (CCP 337), and general denial form PLD-050.
California Rules →Texas Justice Court Defense
Texas Finance Code Chapter 392, TRCP Part V Debt Claim rules, and CPRC § 16.004 4-year statute of limitations.
Texas Rules →Florida Credit Card Defense
Florida Consumer Collection Practices Act (FCCPA § 559.72), Fla. Stat. § 95.11(2)(b) 5-year SOL, and Small Claims rules.
Florida Rules →New York Consumer Credit Act
New York Consumer Credit Fairness Act (CPLR 214-i 3-year SOL), prohibition of debt revival, and mandatory affidavits.
New York Rules →Illinois Debt Defense
735 ILCS 5/13-205 5-year unwritten contract rule, assignee pleading mandates under 735 ILCS 5/2-403.
Illinois Rules →Ohio Limitations Defense
Ohio Rev. Code § 2305.07 6-year contract rule and Supreme Court precedent in Taylor v. First Resolution.
Ohio Rules →