DebtHitman

Debt Removal Action Plan Generator

Add your debts. Get a personalized prioritized action plan + ready-to-send letter templates (debt validation, HIPAA, settlement, credit dispute) tailored to each debt. Free. No signup required.

Step 1: Your debts

Step 2: Your situation (optional)

How this works

The tool analyzes each debt by type, age, holder, and your state's statute of limitations. It then prioritizes actions by leverage:

  1. Free wins first — credit report disputes, charity care applications, anything that doesn't cost you money
  2. Letters next — debt validation, HIPAA, cease-and-desist, statute-of-limitations defense
  3. Negotiation — only after validation/HIPAA letters are sent (you have leverage)
  4. Payment — last resort, only after you've verified validity, statute, and negotiated discount

Letter templates pre-fill with your details so you can copy, sign, and send via certified mail.

FAQ

Is this legal?
Yes. Every tactic recommended is based on federal law (FDCPA, HIPAA, FCRA) or state law. You're exercising rights consumers have but rarely use.
Will this work on debts I owe vs. don't owe?
Both. Validation/HIPAA letters work even on legitimate debts because they force the collector to PROVE legitimacy with documentation many can't produce.
What if I haven't been contacted by a collector yet?
For debts still owed to original creditor (hospital, credit card company), use direct negotiation + financial assistance applications instead of validation/HIPAA letters.
Can I use this for student loans?
Federal student loans have separate rules — no statute of limitations, but income-driven repayment and forgiveness programs apply. Private student loans follow standard SOL.
What about credit repair companies?
Don't use them. They charge $50-200/month for the same techniques you can do yourself for free. Many are scams.

This tool provides educational information based on federal and state consumer protection law. It is not legal advice. For specific legal questions or before responding to a lawsuit, consult a consumer protection attorney. Many take FDCPA cases on contingency (no upfront cost).