RESOURCES & GUIDES
Everything you need to know about your rights against debt collectors, debt validation, and fighting back against harassment.
Know Your Rights
Your FDCPA Rights Explained
A complete guide to your rights under the Fair Debt Collection Practices Act.
Statute of Limitations on Debt by State
Know when a debt becomes uncollectible based on state law.
California Debt Collection Laws (RFDCPA)
California-specific protections under the Rosenthal Fair Debt Collection Practices Act.
Letter Templates & Guides
Debt Validation Letter Template
Get a ready-to-use template for demanding proof of your debt from collectors.
Cease and Desist Letter for Debt Collectors
Stop collector calls and harassment with a legal cease and desist notice.
What Is a Debt Validation Letter?
Understand how debt validation works and why it's your strongest tool.
Medical Debt Validation Letter
Specialized guidance for handling medical debt collection.
Collector Tactics & Defense
The 11 Words to Stop Debt Collectors
The powerful phrase that legally forces collectors to stop calling.
The 7-7-7 Rule for Debt Collectors
The critical timeline debt collectors must follow under federal law.
Debt Collector Harassment: What's Illegal
Learn what collector tactics are illegal and how to document violations.
Can Debt Collectors Call Your Family?
Your rights to privacy and how to stop family harassment.
What Happens If You Ignore Debt Collectors?
Understand the consequences and your options when ignoring collection calls.
Does Debt Validation Stop Collections?
Understand the legal power and limitations of debt validation.
Specific Collectors
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