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A Juris DebtLetter can help end debt collector harassment.​

Juris uses technology to enforce consumer rights against debt collectors.

Article Author:

Ethan Mackay

Ethan Mackay

Co-Founder and General Counsel at Juris
Blog Header - Debt Letter Can Help

Over 44 million Americans are harassed each year by debt collectors about debts they don’t believe they owe. This is a huge problem.

Lawmakers have tried to end the problem. They passed federal laws that prohibit abuse and give consumers powerful legal rights to end the harassment.

The problem persists today because these legal rights are difficult to determine and difficult to enforce. Laws are really hard to understand. It’s even harder to determine which ones apply to your situation. And lawyers, the only service providers that can help, are really expensive to hire.

That’s why Juris used technology to built a new solution; a new way to determine and enforce legal rights.

It may feel like the only way to enforce legal rights is by taking someone to court. But any lawyer will tell you that when two people are in a dispute, it’s very rare that they actually go to court. Usually, the people in a dispute can work it out themselves. In fact, usually, they must work it out themselves because going to court can be very expensive and time-consuming.

The consequence of this dynamic is that people can often enforce their legal rights just by showing the other side that they would win if the dispute went to court. They just have to convince the other side that the law is on their side. And that’s what a Juris DebtLetter does.

Here are the steps:

  • You get contacted by a debt collector who says you owe them money.
  • You go to our DebtLetter page and click the Start My Letter button.
  • You answer some questions online, which will take about 10 minutes. Our technology will automatically determine which questions to ask, determine your strongest legal rights, then draft a letter citing those rights and making demands of the debt collector. 
  • We show you the letter immediately, which you read and approve. 
  • We automatically print, package, and send the letter by tracked mail to the debt collector. Since it’s tracked, we can let you know when it’s delivered. And, if you ever do go to court over the debt, you’ll be better able to prove that the debt collector received the letter.

Here’s what a DebtLetter achieves: 

  • A DebtLetter shows the debt collector that you know your legal rights, which may cause them to give up on collecting. Many debt collectors are trying to collect from thousands of people at a time. A DebtLetter shows the collector that you won’t be an easy target, so they may decide to just move on to the next one.
  • A DebtLetter creates a record of what has happened, which means that it increases your probability of proving to a court what happened if necessary.
  • A DebtLetter limits how the debt collector can contact you. You have many legal rights to limit this contact. Our technology determines the appropriate ones and triggers them by sending this letter.
  • A DebtLetter sets you up to go on the offensive. After you’ve asserted your legal rights in the DebtLetter, if the debt collector violates them, you may be in a position to sue the debt collector.

So here are some key takeaways to understand.

  1. The majority of legal disputes are ended without going to court, through private arguing about who has the better case.
  2. The way to end a dispute privately is to determine your legal rights and then convince the other side that your rights are stronger than theirs.
  3. A DebtLetter is a fast, easy, affordable way to determine your legal rights against a debt collector and to communicate to the collector that they should end their efforts to collect. We would love to help.

Juris is not a law firm or a substitute for the advice of an attorney. Juris provides a self-help service with general information and assistance only. Juris cannot and does not provide legal advice. Your access to this website and use of this service is subject to our Terms of Service.

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