Check a debt collection claim and respond correctly
Is the principal claim justified? Are the collection fees permissible? We separate the wheat from the chaff – with a ready-made reply.
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Quick check: what should you do?
3 short questions — no sign-up required.
Deadline at a glance
Collection deadline usually 7–14 days
§ 286 BGB
The deadline set by the collection agency is a private-law deadline – what matters is the limitation period of the principal claim (usually 3 years).
It is an AI, not a person: nobody looks at your individual case, and we do not know who signs up or for what reason. That is why we give pointers, but no legal advice on the individual case. Guidelines and playbooks in the platform are only guardrails: the AI relies on the available sources and your information. AI can make mistakes — check important results, and if in doubt, ask a lawyer.
What you can do here in 5 minutes
Debt collection agencies (Inkassobüros) often set short deadlines and charge excessive fees. Much of this cannot be enforced. Our AI tools check the principal claim, limitation and the amount of the collection fees separately.
Upload the letter – you receive an objective assessment of each item and a reply letter (disputing the claim, pleading limitation or partial acknowledgment).
Results in three steps
Upload the letter
Statement of claim from the debt collection agency.
Review
Principal claim, limitation (usually 3 years), collection costs against RVG limits.
Reply
Reply letter with a clear position; if needed, a proposal to pay in installments.
- Upload the letter – Statement of claim from the debt collection agency.
- Review – Principal claim, limitation (usually 3 years), collection costs against RVG limits.
- Reply – Reply letter with a clear position; if needed, a proposal to pay in installments.
- No negotiations or phone calls with the collection agency.
- No debt counseling within the meaning of the InsO.
- No representation in court.
Transparency
What the AI checks — and what only a lawyer can decide
An AI is only as good as the question. We show openly where your answer is reliable and where you should speak with a lawyer.
More letters & checks
Consumer law · Mahnbescheid (court payment order) · Amount in dispute · Default (Verzug) · Litigation companion: resolve the claim in court yourself if necessary · Template letter: dispute or demand a claim
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