Your rights under federal law
The balance on that statement? Hard no. Creditors fold every day, and DebtSmashMethod will help you slash what you owe, put your debts in the order that serves you, and force every deal into writing.
Re: Account #4471-XXXX — balance claimed: $2,314.09
To whom it may concern,
You bought this debt for pennies.
I'll pay $694 to close it. That's the deal.
My conditions:
1. Accepted as payment in full
2. The account deleted from my credit
reports at all three bureaus
3. Every term above confirmed in writing
before any payment is made
No written agreement, no payment.Cut debts by up to 60%Creditors buy debts for pennies on the dollar — they can afford to deal. We negotiate settlements that slash what you actually pay.
Sleep easy at nightThe calls, the letters, the threats — they lose their power when someone who knows the rules is answering for you.
Protect your credit reportSettle the smart way — negotiating how the account gets reported, so the deal helps your score instead of haunting it.
Recent wins
A collector was pursuing this client for more than $14,000. We disputed it, opened negotiations, and settled the account for $5,000 — a saving of over 60%. Here's the letter that closed it: balance $0.00, satisfied in full, in writing.
Goldman Sachs was collecting an Apple Card balance of more than $10,000. We negotiated a settlement plan for $5,176 — about half the balance — and the bank confirmed the account resolved, in writing.
None of this is a loophole or a trick. These are consumer protections written into law — they just don't work unless you invoke them.
15 U.S.C. § 1692g
Within 30 days of first contact, you can demand the collector prove the debt is yours, the amount is right, and they have the legal right to collect it. Until they do, collection must pause. Many collectors can't produce the paperwork — and drop the account.
varies by state, 3–10 yrs
Old debts expire. Past your state's limit, a collector can't win a lawsuit against you — but they'll still call, because one small payment can restart the clock. Knowing the date changes the entire negotiation.
15 U.S.C. § 1692k
Calls before 8am, threats, lies about what you owe, contacting your employer — each is a federal violation worth up to $1,000 in statutory damages plus attorney's fees. Documented violations are leverage.
negotiable, in writing
Collectors often buy debts for pennies on the dollar, so most will settle for far less than the face amount. Everything is negotiable — the amount, the payment plan, and whether the account comes off your credit report.
Who's behind this
DebtSmashMethod is led by Tosh Greenhill, who personally counsels debtors through aggressive, legitimate debt negotiation — and has helped clients save hundreds of thousands of dollars, cutting individual debts by as much as 60%. Validation demands, statute-of-limitations defenses, settlements collectors would rather you didn't know they'd accept: you don't have to face any of it alone.
“Fighting your creditor doesn't mean dodging what you owe. It means making them prove it, follow the law, and negotiate like you know the rules — because you do.”
Start free and fight smart on your own — or put us in the ring for you. Either way, the creditor stops setting the terms.
while in early access
Everything you need to fight smart on your own.
one-time · limited-time price
Hand it all to us. We negotiate directly with your creditors.
Save more than you pay — guaranteed. If your settlement doesn't beat our fee, we refund you.