We fight for your rights!!


Tipping the scale for justice.

Have you been harassed or threatened by a debt collector, junk debt buyer or law firm over a debt? It’s quite shocking, overwhelming, and stressful when it happens. Most people  have no idea what to do, and don’t know where to turn for help.  Although they are aware that they may have accumulated debt, it is mentally, physically, and emotionally overwhelming to deal with harassing, threatening phone calls from debt collectors, most of whom they’ve never heard of until that first harassing phone call.   We’ve all been there at one point or another in our lives.

More than 95% of our clients win with settlements or in court.  The system we use works and it puts the law on your side.

It’s time to stop abusive, threatening phone calls from debt collectors, inaccurate credit reporting and violation of your rights.  Instead of being afraid or embarrassed, work with us to help you fight back to teach debt collectors that you’re not going to take it.


uGotFICO works fight debt collectors and keep consumers out of court.

uGotFICO works fight debt collectors and keep consumers out of court.

We ask the debt collector for proof and documentation to validate the debt.  We then ask them to show that they have legal authority to collect from you.  We use the law and investigate violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).  Our goal is to eliminate the debt using the laws that were put in place to protect the consumer.  Most attorneys for the debt collectors will bail out (voluntary dismissal) once they see that they must spend time and money to prove the case.

Of course it’s not possible to guarantee these strategies one hundred percent, but we have helped many consumers beat debt collectors using this strategy. The attorney are betting the odds that you won’t respond to their letters or show up in court to fight.  They’re looking for easy money.  We’re betting they’ll have a hard time proving the validity of the debt or wanting to spend the time and resources to do so.  We’re looking to eliminate your debt!



Make Your Claim Against Debt Collectors.