When you start with Ghost Legal, you don’t just get one letter, you get a full legal strategy, prepped and ready.

Your customized packet includes:

✅ Debt Validation Letter (first step):
A written demand for proof of the debt under the Fair Debt Collection Practices Act (FDCPA).
If they can’t validate, they must stop collecting.

✅ Notice of Intent to Sue:
Notifies the collector (and optionally the credit bureaus) that they have 10 days to comply or face legal action.
This creates urgency and legal pressure before court.

✅ Small Claims Lawsuit Documents:
A fully prepared complaint you can file in your local court, complete with damages, legal citations, and instructions.
Ready to file immediately if validation fails.

✅ Notices to Credit Bureaus:
Warns Experian, Equifax, and TransUnion that they are continuing to report information that has not been contractually validated.
This makes them potential co-defendants if they don’t act.

No Guesswork, Just Follow the Steps, We are here to answer any questions

From mailing to filing to next moves if they stall or threaten, we give you the exact steps to apply pressure that works.

This full-pressure approach flips the script.
You're no longer asking nicely.
You're holding them accountable, and they know it.