FDCPA
What Collectors Can and Cannot Do
The complete FDCPA rules - harassment, false statements, contact restrictions.
Read GuideYour Debt Collection Rights
Federal law gives you significant rights when dealing with debt collectors and credit bureaus. Most people don't know them. Collectors do.
FDCPA Rights
The Fair Debt Collection Practices Act governs third-party debt collectors. It prohibits harassment, false statements, unfair practices, and gives you the right to demand validation and stop contact.
FDCPA Rights Hub →FCRA Rights
The Fair Credit Reporting Act governs what can appear on your credit report, how long it stays, and your right to dispute inaccurate information. Credit bureaus must investigate within 30 days.
FCRA Rights Hub →CFPB: Enforcement
The Consumer Financial Protection Bureau accepts complaints against debt collectors and credit bureaus. Companies must respond in 15 days. Filing is free and takes 10 minutes.
CFPB Guide →Key Rights Guides
FDCPA
How to Validate a Debt
Your 30-day window to demand proof. Many collectors can't validate.
Read GuideFCRA
How to Dispute Debt on Credit Report
The FCRA process to remove inaccurate, outdated, or unverifiable items.
Read GuideFree Rights Resources
Free
FDCPA Rights Cheatsheet
One printable page with every major FDCPA right and how to enforce them.
Get FreeLetter
Debt Validation Letter
The letter that invokes your validation rights. Send certified mail.
Get TemplateLetter
Cease and Desist Letter
Stop all collector contact legally with one certified letter.
Get Template