Who Is Covered by the FDCPA?
Separate a consumer debt, a creditor and a debt collector before applying the federal collection rules.
FDCPA · Regulation F · Consumer guides
Debt collection should not leave you in the dark.
Understand collection calls and texts, requests to stop contact, and the records worth keeping. Start with your question—not a promise about your outcome.
Begin here
What is happening with the collection contact?
Calls & texts
Repeated contact. Keep the complete picture.
Explore the rules →Stop contactKnow what your request does—and does not do.
Understand opt-outs →FDCPA basicsStart with the debt and the collector.
Check the framework →Records & resourcesOrganize the facts. Find the official source.
Find resources →Follow the source trail
Source-first reading
Start with the question in front of you
Repeated Collection Calls and Texts: What to Record
Understand the difference between telephone-frequency presumptions and the broader rule against harassment.
Stopping Collection Texts Is Not the Same as Disputing a Debt
Distinguish a text opt-out, a request about a communication medium and a written cease-communication notice.
Before a conclusion
Preserve. Separate. Check.
Preserve the record
Keep original letters, messages, voicemails and dates privately. This site does not collect your account information.
Separate the questions
A collector’s identity, an account balance and a request to stop contact are different facts. Write down what is known and what remains uncertain.
Check the source
Read the applicable rule and its exceptions. A general guide cannot resolve an individual dispute or replace deadline-specific advice.