Identify urgency, matter type, jurisdiction, and critical dates.
Consumer Credit IQ legal-prep workspace
Turn confusing credit, court, and purchase problems into organized next steps before deadlines get away.
Tell the app what happened, upload the papers, track critical dates, identify possible consumer-rights issues, prepare careful draft language, and export a review-ready attorney packet.
Legal information and document-preparation support only. Court deadlines, local rules, and legal strategy must be verified with official sources or a licensed attorney.
Start with your situation
Choose the starting point that matches your pressure level.
Most people arrive with a deadline, a confusing document, or no clear idea where to begin. Start there—the workspace routes the next step.
High urgency
I was served with a lawsuit
Save the service/response dates, upload the court papers, and organize a possible answer or defense draft.
Start this path → Emergency reviewA garnishment or judgment showed up
Treat this as urgent: capture exemption, hearing, judgment, employer, bank, and income-source details.
Start this path → Guided triageI’m not sure where to start
Use guided triage to identify whether the first move is a deadline, upload, checklist, purchase review, or draft.
Start this path →Other guided paths
Pick a specific issue if you already know what you need.
Evidence first
There is a credit-report problem
Upload the report/dispute papers, then spot FCRA dispute, identity-theft, furnisher, and bureau issues.
Start → Rights windowA collector is contacting me
Capture notices, messages, and call details; then build validation, dispute, or cease-communication materials.
Start → Transaction reviewA purchase, refund, warranty, or financing issue
Go directly to the retail review for refunds, delivery, warranties, Truth-in-Lending, and installment-contract issues.
Start → Post-judgment riskThere is already a judgment
Organize judgment papers, payment/settlement history, garnishment risk, and possible post-judgment deadlines.
Start → Draft prepI already know I need a draft
Create the case and open the document builder with the right template path.
Start →How the workspace works
From confusing papers to organized next steps.
Consumer Credit IQ should feel less like a toolbox and more like a guided preparation room: one case, one timeline, one evidence file, and one clear next action.
Guided preparation
Four steps, one organized workspace.
The app keeps the user moving from triage to evidence, issue spotting, and practical next actions without forcing them to guess which tool comes first.
Upload documents and separate supported facts from missing facts.
Organize possible FDCPA, FCRA, TILA, UCC, garnishment, or court-rule questions.
Prepare reminders, checklists, drafts, and attorney handoff packets.
Eight specialist lenses
Includes consumer-credit defense attorney review plus debt collection, credit reporting, garnishment, bankruptcy/military, lending disclosures, retail purchase, and court/judgment lenses.
Evidence-bound
The app emphasizes documents, dates, missing information, and verification instead of pretending uncertain facts are proven.
Built for urgent moments
Lawsuits, judgments, garnishments, repossessions, and court dates receive stronger warnings and deadline-first routing.
Core coverage
Consumer-credit rights and issue areas the app can help organize.
FDCPA, validation, and lawsuit packets
Organize collection letters, debt-buyer proof, service facts, balance calculations, affidavits, limitations questions, and response drafts.
FCRA disputes and reinvestigation records
Track bureau disputes, furnisher disputes, identity theft, date accuracy, Metro 2 consistency, reinvestigation responses, and damages logs.
Exemption and judgment review
Capture judgment details, wage/bank garnishment papers, exemption deadlines, protected income proof, and attorney-review questions.
Retail installment and auto-finance issues
Review APR, finance charges, payment schedules, add-ons, assignment, arbitration, FTC Holder Rule, repossession, and deficiency notices.
Templates and filing readiness
Use draft starting points for answers, discovery, production requests, interrogatories, bill of particulars, garnishment responses, and preservation letters.
Separate real defenses from internet theories
Organize payment ledgers, balance proof, standing, assignment, limitations, settlement, accord-and-satisfaction, and negotiable-instrument questions without treating unsupported debt-discharge theories as proven law.
1099-A and 1099-C review prompts
Flag foreclosure, repossession, abandonment, settlement, charge-off, canceled-debt, insolvency, bankruptcy, and creditor-still-collecting questions for legal or tax-professional review.
Legal information only
The app does not file, represent, negotiate, guarantee outcomes, or replace jurisdiction-specific review by a licensed attorney.
Important legal boundary
The app prepares and organizes. It does not act as your lawyer.
The analysis can help organize questions around FDCPA, FCRA, Regulation V, TILA/Regulation Z, ECOA, EFTA, FCBA, UCC, bankruptcy stay/discharge issues, SCRA, MLA, FTC Holder Rule, FTC Used Car Rule, garnishment limits, 1099-A/1099-C evidence, debt-payment records, negotiable-instrument facts, and state-law issue areas that must be verified locally. It does not promote unsupported “secret account,” “accepted for value,” or private instrument debt-discharge theories as valid defenses.
Attorney review recommended. If you were sued, have a judgment, face garnishment, repossession, bankruptcy issues, or any near deadline, consult a licensed attorney promptly.