DDebt Defense Kit
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Refund Policy

We offer a 7-day refund on the Debt Defense Kit, with the conditions below.

Eligible for refund

  • You purchased the kit within the last 7 days and
  • You have not used the templates, for example, you have not sent any of the letters to a debt collector or used the phone script in a recorded call.

Not eligible for refund

  • Purchases older than 7 days
  • Purchases where the templates have been used (sent to a collector, filed in a complaint, etc.)
  • Refund requests citing reasons unrelated to the kit (for example, a collector continued contact despite the letters; outcomes are not guaranteed, see our disclaimer)

How to request a refund

Email our support address with your order number and a brief reason. Refunds are typically processed within three business days back to the original payment method.

Why this policy exists

The Defense Kit contains complete, ready-to-send legal templates. Once a template has been sent to a collector or used in a complaint, the value has been delivered. The 7-day “unused” window gives you a meaningful window to evaluate the kit while being fair to the publisher.

DDebt Defense Kit

Educational templates and free tools to help consumers respond to debt collectors under the FDCPA.

Free tools

  • Statute of Limitations Checker
  • Validation Letter Generator
  • Validation Response Analyzer
  • 90-Day Validation Tracker
  • Credit Bureau Dispute Generator
  • Snowball vs Avalanche Calculator
  • Settlement Offer Calculator
  • Credit Utilization Calculator

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© 2026 Debt Defense Kit. All rights reserved. Educational templates. Not legal advice.