SI Filing · AI-powered consumer defense education
Don't panic. Don't ignore it. Know your rights. Fight back.
Upload your debt collection letter. Understand what it says. Know your next steps.
Demo · Fictional letters only
Try Upload Your Letter
Live analysis is not turned on yet. In this preview, reports are shown only for fictional sample letters. Your own letter is never analyzed.
Try a fictional sample letterSee a complete SI Filing reportPreview how uploading will work. Nothing is sent or analyzed:
Why SI Filing exists
Scared by a letter? Now you have somewhere to start.
Millions of people get collection letters, settlement offers, lawsuit papers, and garnishment warnings without knowing what they mean or what to do next.
SI Filing starts with your actual document and explains it in plain English. Our mission: help people feel informed, prepared, and less afraid.
“Fight back” means understanding your rights, verifying what a collector claims, responding appropriately, and using lawful options. It never means attacking anyone.
- Know who is contacting you
The collector, the original creditor, and who claims to own the debt now.
- Know a threat from a lawsuit
A letter that mentions court is not a court case. Real court papers get flagged first.
- Know your options
Each option comes with its trade-offs, so you can decide with your eyes open.
Three steps
How SI Filing will work when live analysis opens. In this preview, you can try every step with a fictional sample letter.
Upload your letter
Take a photo, upload a file, or paste the text, then choose your state.
Understand it
See what the document is, who sent it, what it demands, and which rights may apply.
Know your next steps
Compare options, find official resources, and get legal help when you need it.
The free SI Filing report
A clear report, with every statement labeled
You always know what came from your document, what is a general rule from an official source, what is unknown, and what needs a professional.
See a sample reportSample report, fictional letter
SI Filing reviewed a fictional collection letter with a settlement offer.
From the document Sample Recovery Agency offers $4,368.00 on a $6,240.00 balance, if paid by October 31, 2026.
Unknown, needs checking Who owns the debt now is not stated.
General rule, official source Wages generally can't be garnished without a court judgment first.
- Document summary
- Who's contacting you and who claims to own the debt
- Settlement offer math, if there is one
- Deadlines printed in your document
- Lawsuit and garnishment risk
- Rights that may apply, with official sources
- What we cannot verify
- Options to consider, and their trade-offs
- Official resources and legal help
Got court papers?
A summons, complaint, judgment, or garnishment notice can come with a short deadline. If you miss a deadline to respond to a lawsuit, the court can enter a default judgment against you. Contact legal aid or your court's self-help center now.
What we can explain
Each kind of document means something different. Knowing which one you have is the first step.
Super Intelligent, honestly described
SI stands for Super Intelligent. Advanced AI helps SI Filing read letters and match them to verified protections. It can still make mistakes, and it does not replace a lawyer.
Official sources only
Rights explanations come from a reviewed library of federal rules, each linked to its official source.
No invented deadlines
We show only deadlines printed in your document. We never guess one.
Your privacy
Right now the upload page is a demonstration. Files you choose stay in your browser and are not sent anywhere. Privacy policy
Not a law firm
We explain documents and point you to help. We don't give legal advice or represent anyone. Disclaimer
You can report a debt collection problem to the CFPB or your state attorney general. SI Filing does not publish complaints, ratings, or allegations about companies.
Don't ignore that letter.
See how SI Filing explains one, using a fictional sample letter.