TutelaCredit™

By the time most people find out they needed Tutela, they've already made the mistake.

$30 a month. Less than half the interest your credit card charges you every month just to stand still.

If a collector just called you

You're about to make one of three mistakes: calling them back, making a payment, or ignoring it completely. All three can cost you. Tutela tells you exactly what to do in the next 24 hours — before you pick up the phone.

If you're grinding through debt

You're making payments but flying blind. You don't know which debts are time-barred, which collectors bought your account for pennies, or which calls were federal violations worth $1,000 in damages. Tutela tracks all of it.

If you're about to sign something

Before you sign the credit card agreement, the auto loan, the lease — Tutela reads the contract for you. Arbitration clauses. Penalty rate triggers. Early termination traps. The things that seem fine until they're not.

Tutela Defend
For people already in the fight
$30/month
Billed monthly. Cancel anytime.
  • Personal TutelaCredit™ number and protected email
  • Every collector call recorded and transcribed automatically
  • FDCPA violation detection — critical, standard, and potential
  • Certified letter generation with one-click send ($12/letter)
  • 50-state statute of limitations tracker
  • CFPB complaint drafter
  • First-contact emergency protocol
  • Collector intelligence profiles
  • Evidence archive — every interaction timestamped and stored

Then $30/month. Cancel before day 7 and you won't be charged.

Recommended
Tutela Full
For people who never want to need Tutela Defend
$45/month
Billed monthly. Cancel anytime.
  • Everything in Defend, plus:
  • Contract review before you sign — upload any agreement, lease, or loan
  • Plaid account sync — automatic payment tracking across all accounts
  • Proactive SOL alerts — we watch the clock, you get warnings
  • Payment history monitoring with risk flags
  • Judgment-proof assessment — know your real legal exposure
  • Expanded letter library — 7 letter types for every situation
  • Attorney referral network — consumer debt specialists by state
  • Priority analysis queue

Then $45/month. Cancel before day 7 and you won't be charged.

What Tutela is not

Not a debt settlement company taking 25% of your savings.
Not a credit repair scam promising to fix your score overnight.
Not legal advice — we show you what the law says and what to do next.
Not going to sell your data to the collectors chasing you.

What Tutela is

A $30/month tool that gives you the same information collectors have about you — and what to do with it.

Built on federal law that already protects you. We just make it usable.

Violations caught by Tutela

§ 807 violation — false representation
Collector threatened arrest for a civil debt
Potential $1,000 statutory damages
§ 806 violation — harassment
Called 9 times in 4 days
Pattern documented, CFPB complaint filed
§ 807 violation — deceptive collection attempt
Debt was past statute of limitations — collector sued anyway
SOL expiration flagged before user responded

Your collectors know exactly what they're doing.
Now you will too.

Card required. Cancel anytime before day 7 and pay nothing. Letters billed at $12 each — not included in trial.