Most urgent
I was just served
There is a deadline printed on your papers. Find it first, then answer before it runs.
Start with the answerSued by a debt collector?
Fight your debt lawsuit the way a defense attorney would.
Search real case law and your own court’s rules. Draft your answer. Rehearse the hearing before you walk in. Trained on thirty years of consumer defense, and built for people representing themselves.
Read the papers
Upload the complaint. It reads what you were actually served.
Check the law
Real opinions and your own court’s rules. Every citation verified.
Draft the filings
Answers, letters, discovery, motions. Downloadable, in your name.
Rehearse the hearing
Argue it out against an AI judge before a real one asks.
Start here
A lawsuit is not a verdict.
Being sued feels like the decision already happened. It has not. A complaint is a claim someone filed, and a claim has to be proved.
They have to prove it
Standing, the amount, and the chain of title are the plaintiff's burden. A collector who bought your account still has to show it owns the account it is suing on. What that takes depends on your state.
It happens on paper
Deadlines, filings, and what the collector can actually produce when asked. Most of the work is written, which is the part you can prepare for.
Answering is the difference
A default judgment is what a court enters when nobody responds. Responding on time is what keeps the case alive and keeps your side of it in front of the judge.
Your situation
Where are you right now?
The right first move is different depending on where the case already is.
Already past
There is a judgment
A default judgment can sometimes be reopened. What is possible depends on your state and how long it has been.
See what is still open
In collection
They are garnishing me
Exemptions exist, and they are not automatic. You have to claim them, in writing, on time.
Look at exemptions
Before it starts
Letters, not papers
Nothing has been filed yet. This is the cheapest point to make them document what they are claiming.
Make them document itParkerGPTThe New Way To Law
It reads your papers.
Then it goes to work.
It explains what you were served, drafts what you file, and remembers your case between sessions. All of it works from your own papers and your own court’s rules.
Reads your papers
Upload the complaint. It works from what you were actually served, not from a general description of what a lawsuit looks like.
Municipal Court, Franklin County
3. Plaintiff is the assignee of the account and is the current owner of said account.
4. Defendant is indebted to Plaintiff in the amount stated.
Checks the authority
Every citation runs through a verification pipeline against the real opinion. What fails the check is withheld rather than shown to you.
VerifiedHeintz v. Jenkins
VerifiedHenson v. Santander
Not foundWithheld from the draft
Remembers the case
It keeps your case between sessions, so you are not starting the explanation over every time you sit down to work on it.
Your case
Acme Portfolio Holdings v. You
Answer duein 24 daysDocuments read6Last worked onTuesdayWhat it can do.
It starts by explaining what you were served, in plain English, until the case makes sense to you. Then it drafts. You review it, you sign it, and you file it.
Before a suit
Dispute letters
Make them document what they are claiming, in writing, while nothing has been filed and it is still cheap to ask.
Dispute_Letter.docxJust served
Your answer
Every allegation addressed and your defenses raised, drafted against the deadline and the rules your own court publishes.
Answer_Draft.docxIn discovery
Discovery
Requests that make the collector produce what it says it has, and responses to whatever it sends back at you.
Requests_For_Production.docxAs the case needs
Motions
To compel, to dismiss, to vacate a default. Drafted with the authority attached and checked before you read it.
Motion_To_Compel.docxWhat it can reach.
Each of these is also a real tool you can open and use yourself.
Case law
Millions of real court opinions, scoped to your courts, returned with the full text so you read the case yourself.
Court rules
Civil procedure as your own state publishes it, with the deadline context attached to it.
SEC filings
Securitization records for when the account was packaged into a trust and sold on.
Your briefcase
Everything you have uploaded, read by OCR, including the photographs you took of the papers.
The research a defense takes, without the retainer.
The rest of the platform
And everything else the case will ask for.
Each one is its own tool you open and use, not a feature buried in a chat window.
Court Tester
A simulated courtroom. Argue against an AI judge and get cross-examined before the real date.
Pro
Calendar
Legal deadlines with email reminders, so the date is not only on the papers.
Cheat Sheets
One-page references built for your case, for the days you need the short version.
Library
Brian Parker’s video and document library, searchable by transcript.
Community
Forums where members work through live cases together.
Members
What people did with the tools.
These are things members did themselves, with tools from the platform. Every case is different and results vary. Nothing here is a prediction about yours.
Read the consent order, learned what the collector could and could not do when filing suit, and held them to it in discovery.
They did not produce a readable copy of the contract inside the window. The case, for over $30,000, was dismissed.
Filed a motion to compel discovery, after ParkerGPT suggested briefing the judge on the case before the hearing.
The judge ordered the plaintiff to answer the most critical part of the case. In her words: it worked like a charm.
Took a summary judgment loss to the Georgia Court of Appeals, and got it reversed. All three justices agreed.
He posted the appellate decision itself to the forum, and said he would not have won the appeal without the material on the site.
Attorney Brian Parker
A note from our founder.
For thirty years I stood in courtrooms against creditors, debt buyers, and the firms they hire to file these cases. Always on the defendant’s side. I know how a case like yours gets built, and I know where it comes apart.
I started KillDebt so the research, the drafting and the preparation I did for thousands of clients could reach people who cannot hire anyone at all. You still file it. You still sign it. You still stand up and say it. What changes is what you walk in holding.
Brian Parker
Founder
Brian Parker is not your attorney.
Straight answers
The questions you are already asking.
- Why not just hire a lawyer?
- If you can, do. Many people sued over a consumer debt cannot find one who will take the case for less than the case is worth, and the collector is counting on exactly that. This is for the people that leaves.
- What if I already missed the deadline?
- You are not automatically finished. Default judgments can sometimes be reopened, and garnishment exemptions can still be claimed. What is available depends on your state and on how much time has passed.
- Is this legal advice?
- No. KillDebt is not a law firm and creates no attorney-client relationship. It is education and research tools. You file, you sign, and you appear.
- Can I afford this while I am being sued?
- It is the cheapest defense in the room, and it is the one you can stop. Access opens the moment you pay, and you cancel from your own account without calling anyone, with access running to the end of the period you paid for.
Plans
Two plans, and you start tonight.
Monthly or quarterly, access opens at checkout, and you cancel from your own account.
Save up to $912 a year
KillDebt Basic
Everything you need to research the case, draft what you file, and keep it all in one place.
$175/month
Or $349 a quarter, about $116 a month.
Start with BasicWhat you get
- ParkerGPT, with your case remembered between sessions
- Answers, letters, discovery and motions, drafted for you to file
- Case Searcher, Rules Searcher and Securitization Searcher
- Cheat Sheets built for your case
- Briefcase, file drive and a calendar that emails your deadlines
- The full library and the member community
Most Popular
KillDebt Pro
Everything in Basic, plus Court Tester, 20% off every Debt Doc Audit, and priority support.
$229/month
Or $459 a quarter, about $153 a month.
Start with ProEverything in Basic, plus
- Court TesterA simulated courtroom. Argue against an AI judge and get cross-examined before the real date.
- 20% off every Debt Doc AuditA standing 20% off the $297 audit, on every audit you ever order.
- Priority supportYour ticket goes to the front of the queue.
Compare every feature
The Debt Doc Audit and one-to-one consultations are sold separately, and neither needs a subscription. Both are on the pricing page.
From the blog
The latest, from thirty years of these cases.
One thing tonight
The clock started the day you were served.
You do not have to know what to do yet. You only have to not ignore it. Everything after that is a step you can take with the tools in front of you.