More in Legal & Catastrophe
What this calculator does
This tool fills in a basic template so you can request that a debt collector stop contacting you. It is not legal advice.
The math
String template with your name, collector name, and account number inserted.
Worked example
The generated letter cites the Fair Debt Collection Practices Act and demands cessation of communication about the specified account.
Why this matters
Legal and medical bills are stressful and opaque. This calculator gives you a starting number and a concrete next question to ask.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Will this make the debt disappear?
No. It stops collection calls and letters, but legal action is still possible.
Should I send certified mail?
Yes, certified mail with return receipt gives you proof of delivery.