Debt validation processing

Being pushed by creditors or collectors? Ask them to prove it.

Federal law lets you require debt collectors to verify the debts they’re trying to collect. Rezo Processing handles the process for you, with access to independent attorneys through an optional legal plan.

No obligation. Rezo Processing is not a law firm.

How it works

From first email to tracked response

Step 1

Free review

Tell us about your debts and the collection letters or calls you’re receiving. We’ll explain whether our program fits your situation.

Step 2

Enrollment

You review and sign your program agreement, including all fees, before anything begins.

Step 3

Validation letters

Letters requesting validation, and cease-communication letters where appropriate, are sent to the debt collectors on your accounts. Where appropriate, we also request account documentation from creditors.

Step 4

Tracking

We track every collector response and deadline on your enrolled accounts. Approve your letters and follow every response in your secure client portal.

Step 5

Attorney access

We forward every response to you by email. If a creditor or collector sues you, attorneys through your optional legal plan are available to help. Let us know right away.

What's included

Everything your program covers

Review of your collection notices and account information
Preparation and mailing of debt validation requests to debt collectors
Requests for account documentation sent to creditors where appropriate
Cease-communication letters where appropriate
Optional legal plan with access to independent attorneys if you're sued
Tracking of collector responses and deadlines
Bilingual support in English and Spanish

What to expect

A right, not a magic eraser

When you request validation from a debt collector within the time allowed by law, the collector must pause collection until it provides verification. Some collectors can’t or don’t verify.

We don’t promise that any debt will be reduced, removed, or eliminated. We promise to handle your requests correctly, track every response, and keep you informed.

Attorney network

Legal help if you're sued

Rezo Processing is not a law firm. When a situation calls for legal help, such as a lawsuit filed by a creditor or collector, an optional prepaid legal plan from an independent company gives you access to a network of attorneys.

If you are sued, email us the court papers right away. Lawsuits have strict response deadlines, and the sooner the papers reach an attorney, the more options you have.
Legal plan services are subject to the plan’s terms, which are explained in your client agreement before you enroll. The plan is optional and is not required to use our services.

Your options, explained

Choose the path that fits your situation

There’s more than one way to deal with debt. Here’s a plain-language look at the most common options, including the ones we don’t offer.

Debt validation Rezo offers

What it is: Under federal law, you can require a debt collector to verify a debt. Requested in time, collection must pause until it does.
May fit you if: Collectors contact you about debts you don't recognize, wrong amounts, or accounts that were sold or transferred.
Keep in mind: Applies to third-party debt collectors, not original creditors. A verified debt is still owed.

Rezo offers

Debt settlement Not offered

What it is: Negotiating with creditors to accept less than the full balance, usually as a lump sum.
May fit you if: You're behind on payments and can set aside money toward lump-sum offers.
Keep in mind: Usually hurts your credit. Creditors don't have to agree, you may still be sued, and forgiven debt may be taxable.

Not offered

Credit counseling & debt management plans Not offered

What it is: A nonprofit agency reviews your budget and may set up one monthly payment to your creditors, often at lower interest.
May fit you if: You have steady income and can repay your full balances at a lower rate.
Keep in mind: Plans usually run three to five years, cards are typically closed, and you repay the full principal.

Not offered

Debt consolidation loans Not offered

What it is: A new loan that pays off several debts, leaving one monthly payment.
May fit you if: Your credit qualifies you for a lower rate than you pay now.
Keep in mind: It doesn't reduce what you owe, and a loan secured by your home puts your home at risk.

Not offered

Bankruptcy Not offered

What it is: A federal court process. Chapter 7 can discharge many unsecured debts; Chapter 13 sets a three- to five-year repayment plan.
May fit you if: Your debt is far beyond what you can repay, or you face wage garnishment or several lawsuits.
Keep in mind: A serious, long-lasting effect on credit. Child support, most student loans, and many taxes usually can't be discharged. Talk with a bankruptcy attorney.

Not offered

This section provides general information only and is not legal, tax, or financial advice.

Where we serve

Available in most states

Rezo Processing is not available in the following states:

GeorgiaIdahoMinnesotaNorth DakotaOregonWisconsin

Our services are also not available in U.S. territories.

Know your rights. Use them.

Email us for a free, no-obligation review of your situation. If our program isn’t the right fit, we’ll tell you.

[email protected]