Together, we own the bank.

For decades we have been forced to debt finance basic needs as the cost of living has skyrocketed and wages have flatlined. While we have struggled to keep food on the table and care for our families our wages have been garnished, our tax returns seized, and our credit destroyed.

We made these tools to fight back.

The Tools

Wage Garnishment Dispute

(Federal student loans only)

87 People filled

Tax Offset Dispute

(Federal student loans only)

10 People filled

General Debt Dispute Letter

(All debt types except private student loans)

48 People filled

Credit Report Dispute Letter

12 People filled

Private Student Loan Dispute Letter

41 People filled

Defense to Repayment

(Federal student loans only)

› About This Dispute


Why file
a Dispute?

As a member of The Debt Collective, you might dispute your debt because:

  • You were defrauded by your school.
  • You were trapped by a predatory lender.
  • You are being harassed by a debt collector.
  • You borrowed for healthcare, education, or other basic necessities.
  • You can’t afford to pay your debt.
  • You are disputing your debt as an act of economic solidarity with other people.
  • You took out Parent Plus loans to help your child pay for college.

By disputing your debt you are joining with others to build collective power and demand access to public goods.

What happens
after I file?

The Debt Collective will send hard copies of your dispute if you cannot mail the forms yourself. They will be sent to all relevant parties, including the Department of Education, loan servicers, collectors, and the credit reporting agencies. You will also receive a copy by email.

You will receive notifications asking you to provide information about any response you receive from the collector.

Make a donation to the Debt Collective General Fund to help more people dispute debts of all kinds.

Thank you.

The tools we provide here are not the only ways you can dispute your debt.

For a complete list of discharge options, go here:

Data Privacy

We won't share your information with anyone outside the Debt Collective organizing team or with experts with whom we are consulting. We will only use your data to see who is using our tools and to contact you about opportunities to join debt resistance campaigns in your area. If we decide to use the data you provide here for some other purpose, we will contact you to explain and make sure it is okay with you.

If you have questions about how to use one of these tools, please contact us.