Seven specialist lenses
Debt collection, credit reporting, court and judgment, garnishment, bankruptcy and military, lending disclosures, and retail purchase issues.
Consumer Credit IQ workspace
Turn confusing credit, court, and purchase problems into organized next steps.
Upload documents, scan text with OCR, run a consumer-protection expert panel, review retail or vehicle purchase issues, ask follow-up questions, and build careful draft letters or court-related document templates.
Your documents are stored in a private server folder and are never publicly linked. Drafts are for review and document-preparation support only.
Evidence-bound
Missing facts become questions. The system is instructed not to invent names, dates, deadlines, local rules, or legal outcomes.
Built for action
Keep documents, OCR text, issue summaries, follow-up answers, professional-review questions, and response drafts together.
Core tools
One case workspace, several practical workflows
Upload and analyze credit-related documents
Handle debt collection letters, creditor letters, warrant-in-debt papers, summonses, judgments, garnishments, credit bureau responses, furnisher letters, bankruptcy discharge collection notices, and identity-theft correspondence.
Scan PDFs and images
Store uploads securely, extract embedded text when available, scan image-based documents, and show page-count progress so users know the scan is working.
Find issues and next questions
Generate structured summaries, extracted facts, deadlines, possible legal issues, applicable laws, risk level, missing information, next steps, and questions to ask a licensed legal professional.
Evaluate purchase transactions
Review refund, warranty, delivery, chargeback, subscription, merchant-dispute, Truth-in-Lending, retail installment sale contract, dealer add-on, authorization, vehicle finance, GAP, service-contract, and credit-reporting consistency concerns.
Create draft legal artifacts
Build debt validation letters, discovery requests, production requests, interrogatories, requests for admissions, bill of particulars, grounds of defense, garnishment responses, preservation letters, and related drafts.
Spot commercial-law issues safely
Use an issue-spotting framework for UCC Articles 1, 2, 2A, 3, 4, 4A, 5, 7, 8, and 9, with reminders to verify the state-adopted version and local procedure.
Consumer-protection coverage
Laws and issue areas the panel can consider
The analysis can consider FDCPA, FCRA, Regulation V, Metro 2 consistency, TILA/Regulation Z, ECOA/Regulation B, EFTA, FCBA, wage-garnishment limits, CFPA/UDAAP, RESPA, bankruptcy stay/discharge issues, TCPA, SCRA, MLA, FTC Act, Magnuson-Moss, E-SIGN, FTC Holder Rule, FTC Used Car Rule, and state-law issue areas that must be verified locally.
Legal information only. The app is not a law firm, does not create an attorney-client relationship, does not guarantee outcomes, and does not replace review by a licensed attorney.