Take the Next Step When Debt Collectors Cross the Line
Choose the path that works best for you. Learn how to handle the process yourself with our Debt Collectors DIY Course, or submit your information and let Ramos Cares handle the legal work for you.
Choose Your Path
How Would You Like to Move Forward?
You can learn the process and take the DIY route, or provide your documents and information so Ramos Cares can handle the legal work.
Handle It Yourself With the DIY Course
Learn how to identify potential issues involving debt collectors, understand the process, organize your documentation, and take the next steps yourself.
Learn the process step by step.
Learn what documentation to gather.
Understand potential debt collector violations.
Move through the process at your own pace.
One-Time Payment
Learn the process yourself with a one-time course purchase.
Let Ramos Cares Handle the Legal Work
If you prefer to have Ramos Cares handle the legal work, start by submitting your information, documents, and required signatures. Once your information is submitted, you'll be able to move forward with the service payment.
Submit Your Information
Provide the information and documents needed to begin the process.
Complete Your Signatures
Complete the required documents and signatures before payment.
Proceed With the Service
After submitting your information and completing the required steps, you'll be able to proceed with the service payment.
Ramos Cares Service
You'll submit your documents and signatures before proceeding to the service payment.
Frequently Asked Questions
Some common questions, answered clearly so you know what to expect.
Can I really sue a debt collector?
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Yes. If the debt collector violates the FDCPA — such as communicating after being told to stop, reporting inaccurately, and more — you may be able to sue for up to $1,000 per case.
How do I know if the debt collector is breaking the law?
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Most consumers don’t realize debt collectors break the law every day. We check your calls, letters, text messages, emails, reports, and account history to identify potential violations quickly.
How many sessions will I need to see results?
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If you’re being contacted, don’t panic — and don’t admit to anything. We help you review the case, request proper validation, identify violations, and determine if you may be owed compensation.
What documents do I need for a case review?
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You only need the collection letter, screenshots, or any messages they’ve sent. We’ll guide you on anything else needed after reviewing your situation.
Will this hurt my credit?
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No. Identifying violations and disputing inaccurate information can help improve your report — not damage it.