Consumer & Debt Demand Letters
Stop debt collectors, fix credit errors, fight lemon law violations, and hold companies accountable with professional demand letters.
Starting at $9 · No lawyer needed · Takes 2 minutes
Choose Your Consumer & Debt Letter
Each letter cites the specific laws, deadlines, and penalties for your state.
Lemon Law Final Repair Notice
Demand a buyback or replacement for a vehicle with recurring defects under your state lemon law.
Generate letter →Car Warranty Denial Appeal
Challenge a denied car warranty claim and demand the repair coverage you paid for.
Generate letter →Debt Validation Letter
Demand proof that a debt collector can legally collect what they claim you owe.
Generate letter →Cease and Desist to Debt Collector
Legally demand a debt collector stop all contact and harassment immediately.
Generate letter →Credit Report Error Dispute
Force credit bureaus to investigate and correct inaccurate information on your report.
Generate letter →Identity Theft Affidavit
Notify creditors and bureaus of fraudulent accounts opened in your name and demand removal.
Generate letter →Bank Overdraft Refund Request
Demand a refund of excessive or unauthorized overdraft fees from your bank.
Generate letter →Credit Card Chargeback Rebuttal
Challenge a credit card charge that your bank refused to reverse or dispute effectively.
Generate letter →Gym Membership Cancellation
Force your gym to cancel your membership and stop billing you.
Generate letter →Moving Company Damage Claim
File a formal damage claim against a moving company that broke or lost your belongings.
Generate letter →Airline Compensation
Demand compensation from an airline for a delayed, cancelled, or overbooked flight.
Generate letter →Lost Luggage Reimbursement
Demand reimbursement from an airline for lost, delayed, or damaged luggage.
Generate letter →How It Works
Get your professional demand letter in three simple steps.
Tell Us Your Situation
Answer a few quick questions about your dispute. We guide you through the process step by step.
AI Generates Your Letter
Our AI researches your state's laws, then drafts a professional demand letter citing specific statutes and deadlines.
We Mail It for You
Choose PDF download ($9) or let us send it via USPS Certified Mail ($29) — the delivery method attorneys use, with tracking and court-admissible proof of delivery.
Same legal citations. Same professional format. A fraction of the cost.
Real Results from Real People
Join 50,000+ people who've used demand letters to resolve their disputes.
“State Farm had been ignoring my emails for 3 months. I sent the demand letter on Monday, got a call Wednesday, and had a check Friday.”
Jessica M.
Austin, TX · Insurance Claim
“My landlord kept $2,400 of my security deposit for 'cleaning fees.' The demand letter cited the exact California civil code and deadline. Got a full refund within 10 days.”
Marcus T.
Los Angeles, CA · Security Deposit
“I was owed $4,800 in unpaid commissions. HR wouldn't return my calls. After the certified letter arrived, they wired the money within a week.”
Rachel K.
Chicago, IL · Unpaid Wages
Names abbreviated for privacy. Results may vary. This is a writing tool, not legal advice.
Your Letter Is 2 Minutes Away
Choose your consumer & debt letter type above, answer a few questions, and have your demand letter ready to send today.
Choose Your LetterStarting at $9 · Takes 2 minutes · No lawyer needed