Resolve Debt Disputes. Use ZumaZip for Swift Resolution. Debt Settlement, Cease Collections, & Respond to Debt Lawsuits.

Whether you hire a lawyer or go DIY (pro se), ZumaZip has your back. Our online service automatically generates responses to debt-collection lawsuits. We provide ‘fill in the blank’ forms and legal navigation, empowering debtors to fight back and win against collectors. Beat debt collectors with ease using our automated software.

Reply to a Debt Lawsuit
Settle a Debt Lawsuit
Force a Lawsuit out of Court
Reply to a Collection Letter
Resolve debt | Settle debt | Stop Collections ZumaZip.com
Resolve debt | Settle debt | Stop Collections ZumaZip.com

A team of leading industry experts

A full range of consulting services

Exclusive extensive online consulting guides

100% free resources

Welcome to ZumaZip - Zip through debt disputes with confidence!

Whether you need to reply to a debt lawsuit, settle a debt dispute, or force a lawsuit out of court, we've got you covered. Stop collection calls, increase your credit score, and regain control of your financial freedom. Let our technology empower you to overcome debt challenges with ease.

Let's discuss your case

Reply to a Debt Lawsuit

Responding promptly to a debt lawsuit is crucial, typically within 14-30 days upon receiving the Complaint. We streamline this process by assisting you in compiling your response. Our team ensures thoroughness by having an attorney review your response before filing it on your behalf.

Settle a Debt Lawsuit

ZumaZip's forms help you negotiate with collectors for out-of-court settlements. While aiming to prevail in the lawsuit without payment may be desirable, opting to resolve the matter by offering a payment less than the full debt amount could present a pragmatic approach.

Force a Lawsuit out of Court

Utilizing the arbitration clause within your credit card or loan agreement, our Motion to Compel Arbitration effectively counters collectors' pursuits. This strategic approach not only adds complexity but also increases the cost for collectors in their efforts against you.

Reply to a Collection Letter

Our Debt Validation Letter stands as the optimal method for addressing a collection letter. Frequently, debt collectors relent upon its receipt. Timeliness is key—maximize its effectiveness by responding within 30 days of initial contact by the collector.

Is a Debt Collector HARASSING You?

SUE Them! FREE Attorney for You. YOU CAN SUE Third-Party Debt Collectors for Violating the Fair Debt Collections Practices Act. Win up to $1,500 Per Call for Illegal Harassment. Attorneys Have Secured MILLIONS in Awards from Debt Collectors and WE CAN HELP YOU TOO!

Form your US company from anywhere in the world.

Form your US company effortlessly with ZumaZip—no SSN required. We handle LLC, C-Corp, and DAO LLC formations. Our all-inclusive service covers Employer Identification Number (EIN), Registered Agent service, and Operating Agreement, all without hidden fees.

Find top-tier lawyers nationwide specializing in debt settlements and credit issues. Trust ZumaZip to connect you with ABA Standard-compliant attorneys.

Contact us online
1-480-409-4181
Zip through debt disputes with confidence!

Stop Debt Lawsuits: Avoid Being Part of the 90% Who Lose Out!

Each year, 10 million Americans face lawsuits over debt. An overwhelming 90 percent of them end up losing by default simply because they struggle to navigate the response process within the tight window of 14-30 days. Protect your rights!

Credit Card Debt:
23% of adults have credit card debt in collections
Medical Debt:
11% of adults have credit card debt in collections
Student Loan Debt:
10.7% of adults have student loan debt in default or collection
Unpaid Utility Bills
28% of adults have credit card debt in collections

01.

Experienced specialists

Our experienced team offers tailored solutions to manage and overcome credit card, medical, student loan, and utility debt challenges. Get expert guidance and regain control of your finances today.

02.

Stable & predictable results

Discover stability and predictability with our proven approach. Whether it’s debt resolution, dispute, or settlement our experts deliver consistent and reliable results. Trust in our track record for stability and achieve your financial goals with confidence.

03.

100% Satisfaction guarantee

Experience peace of mind with our 100% Satisfaction Guarantee. ZumaZip services are backed by our commitment to your complete satisfaction. Trust in our expertise and track record.

04.

20+ Years in consulting business

For over 20 years, we’ve been resolving credit card, medical, student loan, and utility debt challenges with expertise and reliability. Trust our seasoned professionals to provide tailored solutions and guide you toward financial freedom. Benefit from our extensive experience and take control of your finances today.

Any questions? Request a call-back to get a free analysis of your debt situation!

Why choose ZumaZip.com

Once your debt issues are settled, 5 ways your life is about to change:

  • Freedom to Dream: Without the burden of debt weighing you down, your mind is free to dream again.
  • Stress-Free Living: Say goodbye to sleepless nights and constant anxiety.
  • Building Wealth: Now that you're not pouring money into debt payments, you can start building real wealth.
  • Better Credit: Settling your debts paves the way for a healthier credit score.
  • Empowerment: Taking control of your financial situation is empowering.

Real People, Real Reviews, Real Results: We're Here to Stop Collection Calls!

Bernard Feltenmeizer
Dallas, TX
I was super nervous about this, you know? But then I found ZumaZip and checked out their videos. I decided to give it a shot since I'm representing myself. And guess what? It's been a breeze! It's taken away a lot of my anxiety. Big thanks to ZumaZip!
John Richmond
Thousand Oaks, California
This service is top-notch! The tools are easy to use, and the customer service is fantastic. I want to give a special shoutout to Monika—she's amazing! Super responsive and gets things done. I'd give her a perfect 10 review. If you need to send an answer letter, do it ASAP because reviewing and mailing can take time. If you're on a tight deadline, you can still use the service, but I suggest filing the answer yourself with the court.
Alexander Brown
Richmond, VA
Doing the no fee option was a breeze. I'm feeling pretty good about my answers and the info I provided, though I'm still a bit unsure. So, I'm planning to print the document, give it a thorough review, and do some more research on my situation. Once I've done that, I'll decide if I want to explore some of the other options available. Following the instructions was painless, even for someone like me who's not too familiar with this stuff. Printing the document now, and I'm hoping the rest of the process is just as smooth as answering the questions. Based on my experience so far, I'd definitely recommend this service.
Tiffany Anderson
Seattle, WA
I got hit with some papers saying I was being sued for a debt. Scary stuff, right? But then I stumbled upon ZumaZip on Google, and they came to the rescue. I decided to go for the Premium service, and let me tell you, it's been a game-changer! I feel much more confident about my chances of winning now. They handle everything quickly and professionally, exactly when you need it the most.
Maria Green
Detroit, MI
Being a school teacher, the last thing I needed was constant calls from debt collectors. It felt like a nightmare, and I worried my students might hear. That's when I turned to ZumaZip's Debt Settlement Letter Service. And you know what? The calls stopped completely, bringing me much-needed relief and ensuring a swift resolution to the situation.