Who Is Covered by the FDCPA?
Separate a consumer debt, a creditor and a debt collector before applying the federal collection rules.
FDCPA · Regulation F · Consumer guides
Debt collection should not leave you in the dark.
Understand collection calls and texts, requests to stop contact, and the records worth keeping. Start with your question—not a promise about your outcome.
Begin here
What is happening with the collection contact?
Calls & texts
Repeated contact. Keep the complete picture.
Explore the rules →Stop contactKnow what your request does—and does not do.
Understand opt-outs →FDCPA basicsStart with the debt and the collector.
Check the framework →Records & resourcesOrganize the facts. Find the official source.
Find resources →Follow the source trail
Source-first reading
Start with the question in front of you
How Often Can a Debt Collector Call?
Two dated examples explain the seven-day telephone-call presumptions, important exclusions and why texts require a separate analysis.
Stopping Collection Texts Is Not the Same as Disputing a Debt
Distinguish a text opt-out, a request about a communication medium and a written cease-communication notice.
What Is a Debt Validation Notice?
Read the creditor, balance, itemization and response deadline—and understand why a notice is not proof that you owe the debt.
Disputing a Collection Debt vs. a Credit Report
A letter to a collector and a credit-report dispute have different recipients, rules and results. Choose the process that matches the problem.
Collection Texts About Someone Else’s Debt
A wrong-person collection text raises questions about the recipient, the message and what the collector knew. Preserve those facts without spreading someone else’s information.
A Private Debt-Collection Contact Log
Copy a blank entry into your own notes. Keep calls, texts, requests and responses in order without turning a record into an automatic legal conclusion.
Before a conclusion
Preserve. Separate. Check.
Preserve the record
Keep original letters, messages, voicemails and dates privately. This site does not collect your account information.
Separate the questions
A collector’s identity, an account balance and a request to stop contact are different facts. Write down what is known and what remains uncertain.
Check the source
Read the applicable rule and its exceptions. A general guide cannot resolve an individual dispute or replace deadline-specific advice.