Who Is Covered by the FDCPA?
Separate a consumer debt, a creditor and a debt collector before applying the federal collection rules.
Debt Harassment Relief
Debt-Collection Calls and Texts
Keep a clear record of repeated contact and distinguish the rules that apply to each channel.
Organize before interpreting
Save the originals. Keep separate entries for calls, conversations, letters, emails and texts. A display name or logo is not independent proof of a sender’s identity.
Repeated Collection Calls and Texts: What to Record
Understand the difference between telephone-frequency presumptions and the broader rule against harassment.