Umbrella Legal uses AI to draft the exact letter you need to dispute, validate, or shut down debt collectors — instantly.
Each letter is crafted using real legal language that holds up under federal law.
You pay once, get your letter instantly — no upsells or ongoing charges.
Built to align with FDCPA protections nationwide — wherever you live.
Your personal details are never shared, stored, or sold — period.
Debt collectors count on you freezing up. But under the Fair Debt Collection Practices Act (FDCPA), you have the legal right to request written proof of any debt they claim you owe. If they can’t provide it, they have to back off.
From the moment a debt collector contacts you, the clock starts ticking. If you don’t respond quickly and correctly, they can:
Hurts your credit score and makes it harder to borrow.
You could be sued or face wage garnishment if you don’t respond.
Calls, letters, and threats won’t stop unless you push back in writing.
For just $9.99, you get peace of mind and a legal response that protects you from unfair collections.
Delivered instantly to your inbox . No waiting, no back-and-forth. Instant download.
Easy-to-follow instructions on where to send itWe guide you on what to do next so you don’t have to guess.
Have come back and used more of our services.
Have benefited from this tool, all across the United States.
Structured using federal law — not just a fill-in-the-blank template.
Auto-filled with your details, ready to print or email. No edits or formatting needed — it’s done for you.