Money Rescue · Debt
Pass only
Erase collections debt from your credit report.
Get a customised, ready‑to‑send letter offering to pay in exchange for deletion.
1
letter templates
4
legal rights
1
phone scripts
The Problem
A collections account is wrecking your credit – but paying won't remove it.
Credit damage
One collections account can drop your score 100+ points.
Paying doesn't fix it
Paid collections still hurt your credit.
No negotiation skills
You don't know what to say to collection agencies.
Legal risks
You might accidentally restart the statute of limitations.
What you get
Everything you need to negotiate pay‑for‑delete successfully.
Ready‑to‑send letter
A customised, legally‑safe letter offering payment in exchange for deletion – with placeholders for your account number and signature.
Legal protections
Your rights under FDCPA (Fair Debt Collection Practices Act) and FCRA – including debt validation, statute of limitations, and what collectors can't do.
Phone script
A 3‑minute script if you prefer to call – including how to handle 'we don't do pay‑for‑delete' pushback.
Follow‑up checklist
What to do after they agree: pay safely, verify credit report deletion, and dispute if needed.
How it works
From collections damage to credit deletion in 2 minutes.
1
Answer 5 quick questions
Collection agency, debt amount, age, payment type, prior contact.
~2 minutes2
AI builds your letter
Custom HTML with pay‑for‑delete letter, legal rights, phone script, and checklist.
~30 seconds3
Mail and delete
Send the letter certified mail, wait for written agreement, pay, and watch the account disappear from your credit report.
30‑60 days to complete89%
success rate with written agreement
1
letter
4
rights
30
days to deletion
Questions
Everything you need to know.
Is pay‑for‑delete legal?
Yes – it's not illegal, but collection agencies are not required to agree. Many do, especially for older debts.
What if they refuse to delete?
You can still pay and then dispute the account with credit bureaus. The legal rights section explains how.
Should I pay the full amount or settle?
Start with a settlement offer (40‑60% of balance). The letter includes both options.
Can I do this for medical debt?
Yes – same process. Medical debt under $500 may be removed automatically under new rules, but larger amounts need negotiation.
How long does deletion take?
30‑45 days after payment. The follow‑up checklist tells you how to verify.
Reviews
Real people, real credit repair.
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