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Top 10 U.S. Credit-Card Debt Buyers (2025)
There are hundreds of debt buyers. These are examples of the largest debt buyers.
They Say They Bought Your Debt.
Make Them Prove It.
What debt buyers don't want you to know.
All 46 Letters • One-Time Payment • Lifetime Access
1000+ people protected. Thousands of calls and cases shut down.
Complete Toolkit: All 46 Letters • 8 Categories • Step-by-Step Instructions • Instant Download • $49 One-Time Payment
Browse All 46 Letters by Category
Click a category below to see exactly what's included—organized by your situation
Browse Letters by Category
46 Letters Across 8 Categories
Click any category above to see the letters included in that category
Who This Is For
If your old credit-card debt was sold to a debt buyer, this toolkit was built for you.
Behind the collector is the debt buyer — a company that purchased old accounts in bulk and usually can't prove the paperwork.
Debt buyers almost never have the full records they need to prove a case. These forms expose what's missing — and when they can't prove it, the case collapses.
Everything You Need to Fight Back
46 letters covering every situation you might face
Built using real inside knowledge of how debt buyers cut corners—and how to make them show their cards
46 Debt Communication Letters
Every letter you need to demand proof, challenge ownership, and expose weak documentation
Fill-in-the-Blank Format
Page 1: Instructions. Page 2: Filled example. Page 3: Blank template with labeled fields—just add your info and send
Instant Download
Get all 46 letters immediately in PDF format—organized into 8 helpful categories
Lifetime Access
Permanent download link sent to your email. Re-download anytime, forever
What You Get
Everything you need to demand proof from debt buyers and their collection firms
- 46 debt communication letters in PDF format, organized into 8 categories
- Each letter has Page 1 (instructions), Page 2 (filled example), and Page 3 (blank template with labeled fields)
- Categories: Basic Info, Stop Contact, Debt Was Sold, Extra Information, Special Problems, Money Help, Missing Papers, Different Path
- Based on your rights regarding debt buying and debt collection
- Covers chain of title, contracts, accounting, documentation, compliance, regulations, licensing, and more
- Instant download after checkout—start using immediately
- Permanent email link—re-download anytime, forever
- One-time payment of $49—no subscriptions, no hidden fees
See What You're Getting
Preview all 3 pages of a sample Debt Validation Request letter: instructions, filled example, and blank template
Debt Validation Request • All 3 pages with watermarks
Get the Complete Toolkit
All 46 letters. One simple price.
Complete Debt Defense Toolkit
All 46 Letters - Everything You Need
Everything included—all 46 letters, all 8 categories
- All 46 communication letters
- Stop harassment & unwanted calls
- Demand proof & validation
- Challenge debt buyer claims
- Court communication letters
- Document request forms
- Identity theft protection
- Settlement negotiation letters
- Arbitration election forms
- Instant download access
- Lifetime re-download link
- Professional PDF format
One-time payment. Instant download. Lifetime access.
All options include instant download, lifetime access, and permanent re-download link
Stop Debt Collectors Now
Under debt collection regulations, you can tell collectors to stop contacting you.
The Prove It Toolkit includes numerous letters to stop calls to you, your family, and your work—ready to send today.
Get Instant Access – $49Know Your Rights
Based on debt collection regulations that protect you. These letters demand what you are entitled to receive
Simple & Direct
No legal jargon. Fill in your information, print, mail certified. Done. Each letter does one job—and does it well
Stop the Pressure
Cut off harassing calls and letters. Force them to communicate through documentation only
Want to Learn More First?
Read about the 10 most powerful questions that make debt buyers walk away
Read the 10 QuestionsImportant Disclaimer
This is not a law firm. We do not provide legal advice. These are template letters based on debt collection regulations. For legal representation or specific advice about your situation, consult a licensed attorney in your state.
Frequently Asked Questions
Everything you need to know before you buy
What format are the letters in?
All letters are in PDF format, organized into 8 helpful categories. Each letter has Page 1 (instructions), Page 2 (filled example), and Page 3 (blank template) that you fill in, print, and mail.
Is this legal advice?
No. This is not a law firm and we do not provide legal advice. These are template letters based on debt collection regulations. If you need legal representation, consult an attorney.
Do I need to use all 46 letters?
No. Use only the letters that apply to your situation. Some people need 2-3 letters. Others use more. Each letter targets a specific weakness in debt buyer claims.
How do I know which letters to use?
Each letter is clearly labeled with what it does. Read the filled example on Page 2 to see if it fits your case. Most people start with chain of title and contract validation.
What if I lose my download link?
Your purchase email contains a permanent link. Save that email. You can re-download your files anytime, forever.
Real Results from Real People
Join thousands who successfully challenged debt buyers
“Used one letter — they dropped the case.”
“Calls stopped the same day.”
“They couldn't prove it. Case dismissed.”
Don't argue with debt buyers—Make them prove it.
Get all 46 letters instantly. One-time payment. No subscription. Lifetime access.
All 46 Letters • 8 Categories • One-Time Payment • Lifetime Access
46 Letters • 8 Categories • Instant Access