One price. The whole defense.
$499 total for everything — no tiers, nothing held back. Paid in two stages of $249.99 so you're not asked for it all at once. Still far less than most attorneys charge for a single hour. This pricing is for lawsuits of $1,000 or more.
Stage 1 — Initial Services
Start here. Beat the deadline.
$249.99
- ✓Your court's response document (Answer / Grounds of Defense), generated from your answers
- ✓The core documents that force the debt buyer to prove it owns the debt
- ✓Court-format .docx and PDF downloads + your courthouse filing checklist
- ✓Deadline reminders by email
Most smaller lawsuits are decided at this stage.
Get startedStage 2 — Arbitration & Advanced
If the fight keeps going.
$249.99
- ✓Plain-English breakdown of your card agreement's arbitration clause
- ✓The complete arbitration election package
- ✓Motion to stay, document subpoena, and evidence objection
- ✓Certified-mail checklist covering both the court and the company suing you
Charged only if your case proceeds to this stage — not tied to whether you win.
Get startedSued for under $1,000?
We price smaller lawsuits case-by-case — usually for less. Request a quick quote and we'll email you a price.
$499 total for the complete defense, billed as two $249.99 stages. Stage 1 is for the document-preparation services delivered at signup and is non-refundable once your documents are prepared. Stage 2 is billed only if your case proceeds to that stage. The full terms — what each stage covers and the disclaimers — are in the agreement you review and sign before you begin. Launch pricing, subject to change before general availability.
Questions people ask
Is this legal advice?+
No. DebtDefense is not a law firm, does not provide legal advice, and no attorney-client relationship is created by using it. It's self-help document preparation and education software — like tax software, but for court documents. You make every decision by choosing from options that are explained in plain English; the software assembles documents from the information you provide.
What is a debt buyer?+
A company that purchases charged-off debts from banks and lenders — usually in bulk, for a small fraction of face value — and then tries to collect the full amount, often by filing lawsuits. If you're being sued by a company you've never heard of (LVNV Funding, Midland Credit Management, Portfolio Recovery Associates, and similar names), it's very likely a debt buyer.
What is arbitration, and why does it matter here?+
Arbitration is private dispute resolution outside of court. Most credit card agreements contain a clause requiring it — written by the bank, and usually still binding after your debt is sold. Under consumer arbitration rules, the consumer's fees are capped at a small filing fee while the business owes the rest, which can exceed the debt itself. Many debt buyers dismiss rather than pay; some don't. No outcome is guaranteed — DebtDefense explains what your specific agreement says so you can weigh the option.
What states does DebtDefense support?+
Virginia at launch, with Maryland and Washington, DC next. Tell us your state when you get started — it directly shapes the rollout order.
What if my court date is only days away?+
Deadlines in debt cases are short, and missing the deadline to respond — or the court date printed on the papers — is how most cases end in default judgment. DebtDefense computes your key dates from the papers you were served. People facing an immediate deadline also commonly contact the court clerk, legal aid, or a consumer attorney — many offer free consultations, and every state has legal aid programs.
Isn't it easier to just settle?+
Settling is always an option, and for some people it's the right one. But it's worth making that choice informed: a debt buyer that sues must be able to prove it owns your specific debt and the amount — and defendants who respond often discover the paperwork behind the lawsuit is thinner than the complaint suggests. DebtDefense exists so the decision is yours, made with full information, not made by default.