Stop Sending Random Letters. Learn the Strategy.
Learn the dispute process I use for third-party debt collectors, why each round comes next, how I match the facts to the law, and how I build documentation instead of sending random templates and hoping something happens.
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I took my time releasing my dispute strategy for a reason.
I didn't want to create another course that handed people a stack of dispute templates without teaching them what they were actually doing.
A letter is only one part of the process. What matters is understanding why you're sending it, what you're looking for in the response, what law applies to the facts in front of you, and what your next move should be.
That's what I built this course around.
I'm teaching you how I think through the dispute process, not just what I type in a letter.
Random dispute letters are not a dispute strategy.
The process starts with understanding what is actually happening with the account and allowing those facts to determine what comes next.
Start With the Facts
Look at what is actually happening with the account before deciding which consumer law belongs in the dispute.
Match the Law
Understand why different stages of the process call for different FDCPA and FCRA provisions.
Build the Paper Trail
Each round builds on what already happened so the dispute becomes more documented as the process continues.
The strategy changes as the dispute progresses.
We don't stay in the same place sending the same dispute over and over. The process moves through each stage based on what has already happened.
Prepare the File
Start by addressing the information that affects how the collection is being associated and reported.
Debt Collector Disputes
Work through the third-party debt collector side of the dispute process while documenting what happens.
Credit Bureau Disputes
Shift to the credit bureaus when unresolved reporting remains and the strategy moves into the FCRA.
Escalate the Evidence
Build on the documentation already created instead of restarting the dispute from the beginning.
Everything is organized so you can follow the process in order.
You're not trying to piece the strategy together from random posts, videos, or dispute templates. I walk you through the process from the foundation through escalation.
Introduction
Understand how I teach the course and how the dispute strategy is structured before beginning the process.
Google Drive Resources Walkthrough
Learn what each included guide is for and how the resources support the different stages of your dispute.
Understanding the Basics
Understand third-party debt collectors, the FDCPA, the FCRA, and the foundation behind the dispute flow.
How to Write Dispute Letters & Complaints
Learn how I structure the story, law, damages, and demand instead of simply quoting consumer laws.
Debt Collector Dispute Strategy
Walk through the debt collector portion of my process round by round and understand why each stage comes next.
Credit Bureau Dispute Strategy
Learn how the strategy transitions to the credit bureaus and how the FCRA becomes part of the next phase.
CFPB Complaint Walkthrough
Follow the complaint process step by step and see how the resources included in the course are used.
I didn't leave you with videos and expect you to figure out the rest.
The course includes the Google Drive resource library I created to help you follow each stage of the dispute process.
You'll have guides covering the dispute rounds, examples, consumer laws, damages, letter writing, documentation, dispute responses, CFPB complaints, and more.
The course gives you the strategy and the resources to follow it.
Dispute Round Strategy Guide
Follow the dispute rounds and understand how the strategy and consumer laws pair together throughout the process.
Dispute Flow Examples
See examples that help you understand what the dispute flow should look like as the process develops.
Consumer Laws & Examples
Reference the consumer laws used throughout the dispute strategy along with real-life examples.
Consumer Damages Examples
Use the damages resource to help identify and document real-life damages connected to the dispute.
Dispute Letter Resources
Get guidance for writing your dispute letters along with the DIY dispute letter template.
Evidence & Documentation Checklist
Keep your dispute file organized and document the evidence created throughout the process.
Dispute Results Guide
Learn how to read the response you receive and determine what happened before moving to the next step.
CFPB Complaint Resources
Access both the CFPB complaint writing guide and the complaint selection guide.
ChatGPT Dispute Writing Guide
Learn how to use ChatGPT to help write your dispute letters using the information and strategy from the course.
There is a difference between sending disputes and understanding what you're doing.
My work has always been centered around strategy, understanding the full credit picture, and making decisions based on the actual facts in front of me. That's the same thinking I bring into this course.
I'm showing you the reasoning behind what I do.
I'm Misty Schroeder, founder of All Roads Lead to Credit and creator of the dispute strategy taught throughout this course.
My approach isn't about sending the same generic dispute letter to every company. I look at the facts, identify what happened, match the applicable consumer law, document the response, and let that determine what comes next.
That's the part of the process I'm teaching you here.
DIY Guide to Removing 3rd Party Debt Collectors
Don't just download another dispute letter. Learn what you're actually doing.
Follow the process, understand why you're using each law, document what happens, and know why you're making your next move.
Start the Course for $97