# Debtor Portal

If you got a call, email, or letter from us, you can resolve your account online in the payment portal. The portal is the fastest way to:

* See exactly what is owed and to whom.
* Pay all at once or in a smaller amount toward the balance.
* Dispute the debt if you don't think it's correct.
* Send a reply that goes into your account record.

For paying, disputing, and sending replies, you can do everything online — no phone call needed. (Setting up a multi-payment plan still involves a quick conversation with us today.)

## What this section covers

* [Logging in](/for-debtors/debtor-portal/logging-in.md) — how to get into the portal for the first time.
* [Viewing your account](/for-debtors/debtor-portal/viewing-your-account.md) — what you'll see when you log in.
* [Making a payment](/for-debtors/debtor-portal/making-a-payment.md) — pay by card or bank through Stripe.
* [Setting up a payment plan](/for-debtors/debtor-portal/setting-up-a-payment-plan.md) — pay over time (arranged with us, not in the portal yet).
* [Opening a dispute](/for-debtors/debtor-portal/opening-a-dispute.md) — if you think the debt is wrong.
* [Uploading documents](/for-debtors/debtor-portal/uploading-documents.md) — attach evidence to a dispute.
* [Messaging the creditor](/for-debtors/debtor-portal/messaging-the-creditor.md) — reply to our messages from inside the portal.
* [Understanding your notice](/for-debtors/debtor-portal/understanding-your-notice.md) — what the letter or email is telling you.
* [What happens if I don't pay](/for-debtors/debtor-portal/what-happens-if-i-dont-pay.md) — straight talk about consequences.
* [Your rights](/for-debtors/debtor-portal/your-rights.md) — what you can ask for and what we have to do.

## Worried this is a scam

Lots of people are worried that calls about debt are scams. That's a fair concern. Here are some ways to be sure we are who we say we are:

* Our portal is reached only through an access link we send you by email — there is no public sign-up page. If you didn't get a link from us, you don't have an account in our system.
* We will never ask you to wire money to a personal account, send gift cards, or pay through a third-party app like Venmo or Zelle.
* We will only accept payments through the portal — never a wire to anyone else.
* We always identify ourselves at the start of any call, name the business that placed the account, and tell you the amount.
* You can look us up. We are a registered business in good standing.

If something feels off, [contact our support team](/troubleshooting/contact-support.md) directly.

## You have rights

We are required to follow rules about how we contact you and how we collect. You have the right to:

* Ask for proof of the debt.
* Dispute the debt.
* Ask us to stop contacting you.
* Be free from harassment or threats.

See [Your rights](/for-debtors/debtor-portal/your-rights.md) for the full list.

***

Last reviewed: 2026-05-12 by Customer Success.


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