Source-first guides to debt-collection calls, texts, opt-outs and the FDCPA. Understand the rules, preserve context and find official resources.https://debtharassmentrelief.com/https://debtharassmentrelief.com/fdcpa/who-is-covered/https://debtharassmentrelief.com/fdcpa/who-is-covered/Separate a consumer debt, a creditor and a debt collector before applying the federal collection rules.https://debtharassmentrelief.com/communications/collection-calls-and-texts/https://debtharassmentrelief.com/communications/collection-calls-and-texts/Understand the difference between telephone-frequency presumptions and the broader rule against harassment.https://debtharassmentrelief.com/stop-contact/collection-text-opt-out/https://debtharassmentrelief.com/stop-contact/collection-text-opt-out/Distinguish a text opt-out, a request about a communication medium and a written cease-communication notice.