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.
Dispute Your Wages Being Taken
Use this tool if you have a federal student loan that is being garnished or if you have been threatened with garnishment.
Dispute Your Tax Return Being Taken
Use this tool if your tax return is being seized for an unpaid federal student loan.
Dispute Any Debt in Collections
Use this tool to dispute any debt (except a student loan) that has been sent to collections. Make them prove it!
Dispute Errors on Your Credit Report
Most of us have been victims of bad credit reporting. Use this tool to send a dispute.
Dispute a Private Student Loan
Use this tool to dispute any private student loan.
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.
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.
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.