Who Is Covered by the FDCPA?
Separate a consumer debt, a creditor and a debt collector before applying the federal collection rules.
Debt Harassment Relief
All Debt-Collection Guides
Browse the publication’s current guides by the question they answer.
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.