DebtShark is an uncompromised, air-gapped consumer legal defense workstation. We codify the FDCPA, 50-State Statutes of Limitations, Medical Debt No Surprises Act, and UCC Article 9 into an encrypted local fortress.
Federal and state consumer statutes are weaponized by debt collectors through asymmetric knowledge. DebtShark turns the tables by codifying the statutory rules directly onto your machine.
Enforces strict 30-day debt validation deadlines. Triggers the mandatory cease of collection activity under 15 U.S.C. § 1692g(b) and audits telephone harassment under CFPB Regulation F.
Calculates the exact legal expiry for open accounts, written agreements, medical debt, and oral contracts. Enforces state-specific anti-revival statutes to prevent debt resuscitation.
Defends against predatory medical billing. Audits balance billing from out-of-network emergency facilities, enforces $400 dispute triggers, and checks non-profit hospital charity care policies.
Examines automobile repossessions for statutory defects. Eliminates unlawful deficiency balances when lenders fail 10-day notice timing or omit uncredited GAP and extended warranty rebates.
Select your jurisdiction and debt classification to preview the active statute of limitations, anti-revival protections, and relevant statutory citations encoded within DebtShark.
California enacted explicit anti-revival protections. Partial payment does NOT revive time-barred consumer debt unless accompanied by a signed written agreement.
Generate legally binding notices formatted for court-grade defense. Automatically populates statutory clauses, case citations, certified mail receipts, and exports directly to PDF and Markdown.
Demands complete accounting, original signed loan agreement, itemized fees, and statutory verification within the mandatory 30-day window.
Notifies collectors that the limitation period has elapsed, asserts anti-revival protections, and forbids further contact or legal threats.
Invokes consumer statutory right to permanently terminate all communications from debt collection agencies under federal law.
Demands itemized CPT/ICD coding, asserts No Surprises Act balance billing prohibitions, and requests hospital financial assistance documentation.
Challenges repossession deficiency balances based on flawed 10-day notice, lack of commercial reasonableness, or missing GAP rebates.
Direct disputation to Experian, Equifax, and TransUnion challenging inaccurate balance, charge-off date, or unverified furnisher entries.
Binds the debt collector to full deletion of trade-lines across all major CRAs and complete release of liability upon payment.
Your financial defense files, medical disclosures, and legal correspondence never touch a remote server. DebtShark is constructed with military-grade local encryption.
Hardware-accelerated authenticated encryption securing your SQLite database with zero plaintext leakage.
Every piece of evidence (audio calls, letters, PDFs) is cryptographically hashed to establish tamper-evident court admissibility.
Statutory updates are imported through offline JSON patches cryptographically signed with Ed25519 digital signatures.
No analytics, no phone-home pings, no telemetry. DebtShark contains zero outbound network socket calls in release builds.
Available as standalone desktop applications for macOS, Windows, and Linux. Free, open source, and ready to protect your rights.
Apple Silicon (M1/M2/M3/M4) • macOS 11+
Download .DMG (6.9 MB)64-bit • Windows 10 & 11
Download .EXE Setup (2.8 MB) Alternative: .MSI Installer (3.9 MB)x86_64 • Ubuntu, Debian, Fedora, Arch
Download .AppImage (82 MB) Alternative: .DEB Package (3.8 MB)Everything you need to know about DebtShark’s architecture, legal defense capabilities, and offline privacy guarantees.
