FDCPA
Validate the Debt First
Force them to prove they have the right to collect. Many can't.
Read GuideDealing With Debt Collectors
Collection agencies bought your debt for pennies. They have room to settle. But first, validate the debt, know your rights, and understand what they can and can't do.
First Steps
SoL
Check the Statute of Limitations
If the SoL has expired, they can't sue you. Check before paying.
Check SoLNegotiate and Settle
Settlement
How Much Will They Settle For?
Collector-purchased debt settles at 25-45%. Know your target.
Read GuideCredit Report
Pay-for-Delete: Does It Work?
Negotiate deletion as a condition of payment. When it works and when it doesn't.
Read GuideIgnore
What Happens If You Ignore Them
The real consequences, and when ignoring is actually rational.
Read GuideStop the Calls
FDCPA
Cease and Desist Letter Guide
Legally stop all collector contact with one certified letter.
Read GuideCFPB
File a CFPB Complaint
If they violate FDCPA, report them. Companies must respond in 15 days.
Read GuideRights
Free Rights Cheatsheet
One page: what collectors can't do, how to stop them, when to sue.
Get Free