When debt collectors call or write: checks each contact against federal rules, tracks your 30-day dispute window, drafts letters, flags court papers same day.
When money leaves your account or card that shouldn't: sorts it under the right federal rule, starts deadlines the same day, drafts your dispute and tracks it.
Helps you get your free credit reports, finds collections, errors, and outdated items, drafts dispute letters to Experian, Equifax, and TransUnion, and tracks every 30-day deadline. Nothing is sent without your OK.
For renters: logs repair requests with a clock, checks rent and fees against your lease, tracks lease dates, gets your deposit back with your state rule cited.
Taking family or medical leave: checks if FMLA covers you, tracks your and your employer's paperwork deadlines, drafts leave and accommodation requests.
When a car loan is behind or the car was taken: gets your belongings back, reads the sale notice, tracks your redemption window, checks any bill after sale.