They Paid Pennies for Your Debt. Now They're Suing You for Thousands.
You don't have to roll over and let them win.
BlockMyDebt gives everyday people the tools, templates, and step-by-step guidance to fight back against debt collection lawsuits — without paying attorney hourly rates.
We Review Your Case For Free
What We Help You With
• Responding to a debt collection lawsuit
• Challenging the collector's evidence
• Filing motions, counterclaims, and discovery requests
• Negotiating a settlement for less than what's owed
• Stopping or reducing an active wage garnishment
• Setting aside a default judgment that was entered against you
We provide assistance where you live
Serving clients in all 50 states | Flat-fee pricing — no surprises | 25+ years industry experience | Documents prepared. Deadlines met. Collectors challenged.
Transparent Debt Collection
Protection:
Understand every step of your legal journey with detailed, jargon-free advice designed to protect your financial interest.
Flexible Your Schedule
Offering easy-to-access consultations to ensure you get the expert guidance and reliable support when you need it.
Getting hit with a debt collection lawsuit is one of the most stressful things that can happen to your finances. Your heart races. You don't know what to do. And the clock is already ticking.
We understand that family-related legal challenges can be emotional and complex. With a focus on compassion and expertise, we are committed to guiding you through every step of the process. From divorce and custody cases to estate planning and mediation, our experienced attorneys provide personalized solutions to achieve the best outcomes for you and your loved ones.
You're Getting 25 Years of Insider Knowledge — at a Fraction of Attorney Rates
Our founder has spent over two decades working inside the industries that are coming after you right now. Mortgage lending. Auto finance. Debt collection. Credit repair. He's seen the playbook from every angle — and he built BlockMyDebt to make sure you have access to the same knowledge that collectors and creditors use against consumers every single day.
This isn't a faceless software platform. When you book a case review, you talk to him directly.
Herman Moxley
- CEO of the company
Your Trusted Partner in Legal Excellence
Affordable Flat-Fee Pricing. No Surprises. Ever.
Debt collection lawsuits move fast and attorney fees add up even faster. BlockMyDebt gives you professional-grade document preparation at a single flat fee — so you know exactly what you're paying before you commit to anything. No hourly billing. No retainers. No surprises.
Real Experience. Real Results.
Our founder spent over two decades working inside the industries that come after consumers — mortgage lending, auto finance, and debt collection. That insider knowledge is baked into every document, template, and strategy we provide. You're not getting a generic form. You're getting a system built by someone who has seen how collectors operate from the inside.
Document Preparation Built Around Your Case
Every case is different. That's why we don't hand you a generic template and wish you luck. We review your specific Summons and Complaint, identify the strongest defenses available to you, and prepare customized court documents tailored to your state, your court, and your facts — then walk you through exactly how to file them.
Clients Who Show Up and Fight Back Win More Often
Debt collectors count on you doing nothing. Most default judgments happen because people don't respond in time — not because the collector had an airtight case. When consumers show up with properly prepared documents and a clear strategy, the outcome changes. That's what BlockMyDebt is built to do.
Comprehensive Debt Collection Defense Services Tailored to Your Needs and Success.
Lawsuit Defense:
Have you been served with a debt collection lawsuit? This is our core service. We provide everything you need to respond, defend yourself, and fight back — regardless of the amount being claimed.
What's included:
• Full review of your Summons and Complaint
• Customized Answer document with affirmative defenses
• Counterclaim guidance if the collector violated the law
• Discovery requests to challenge the collector's evidence
• Step-by-step filing instructions for your state and court
• Ongoing support throughout your case
TESTIMONIALS
What Our Clients Say About Our Exceptional Family Law Services
I got served papers on a Tuesday morning and completely panicked. I didn't have money for a lawyer and had no idea what to do. A friend told me about BlockMyDebt and I booked a free review that same day. They walked me through exactly how to respond, what defenses I had, and what to file. Six weeks later the collector dropped the case entirely. I still can't believe it. For $199 I got my life back
Darnell W., Atlanta, GA
They were taking $480 out of every paycheck and I was drowning. I couldn't pay rent, couldn't buy groceries — it was a nightmare. I found BlockMyDebt on Instagram and honestly wasn't sure it was real. But I had nothing to lose. They helped me file a hardship modification within a week. The judge approved it and my garnishment dropped to $90 a month
Latrice M., Houston, TX
I never even knew I was being sued until I saw money missing from my bank account. By then there was already a judgment against me for $7,400. I thought it was over. BlockMyDebt told me I could still fight it and helped me file a motion to set it aside. The judge granted it and gave me a chance to actually respond to the lawsuit. I ended up settling for $1,100. I went from owing $7,400 to paying $1,100 — that's the difference BlockMyDebt made for me
Raymond T., Detroit, MI
Your Questions Answered
Expert Debt Defense Guidance that will save you Thousands!
We understand that legal concerns can be overwhelming. That’s why we’ve compiled answers to the most common questions to help you gain clarity and confidence about your debt collection case.
Is BlockMyDebt a law firm?
No. BlockMyDebt is a self-help educational platform. We provide tools, templates, and guidance to help you navigate the process yourself. We do not provide legal advice and no attorney-client relationship is created by using our services.
I already missed my deadline and have a default judgment against me. Is it too late?
Not necessarily. Depending on your situation, you may be able to file a Motion to Set Aside the judgment and reopen your case. Book a free case review and we'll tell you honestly whether that's an option for you.
Do I have to go to court?
Some cases do require a court appearance, but don't let that intimidate you. Most hearings today are conducted virtually through Zoom — you can appear right from your phone or laptop without ever setting foot in a courthouse. And you won't walk in unprepared. BlockMyDebt provides you with all the paperwork you need and walks you through exactly what to say so you feel confident and ready when it's your turn to speak. We've got you covered every step of the way.
What if I actually owe the debt?
Owing the debt doesn't mean you owe it to this collector, in this amount, with these fees attached. Collectors frequently can't prove ownership of the debt, the amount is often inflated, and the statute of limitations may have expired. You still have rights and you still have options.
How is this different from hiring an attorney?
An attorney can charge $300 or more per hour with no cap on what your bill could reach. BlockMyDebt charges a single flat fee — starting at $199 — and you know the full cost before you commit to anything. We give you the same tools and strategies, just without the hourly meter running.
What if I can't afford to pay the debt even if I settle?
Settlements can often be negotiated for a fraction of the original amount — sometimes as low as 20 to 30 cents on the dollar. We'll help you understand what's realistic for your specific situation and how to structure an offer the collector is likely to accept.
How fast can I get started?
Fast. Book your free case review online and we'll get you scheduled within 24 to 48 hours. Debt lawsuits have tight deadlines — typically 21 to 30 days to respond depending on your state — so don't wait.