They Called at 10 PM. Now What?
The FDCPA’s time-of-day rule, what counts as “inconvenient,” and how to document every call.
Videos & guides
Learn your rights, one short lesson at a time
Every video and guide is tied to the actual law, with the section cited so you can check it yourself.
Say This to Stop the Calls
Why a written cease-contact request carries legal weight a phone call doesn’t — and what collectors can still send you after.
“You’ll Be Arrested” Is a Lie
Collectors can’t threaten jail over consumer debt. Here’s the rule, the common variations of the threat, and what to do when you hear it.
Read the guide →The Debt Validation Letter, Explained
What a collector must tell you up front, the dispute window, and how to use it to make them prove the debt.
Time-Barred Debt: Don’t Restart the Clock
Old debts past the statute of limitations can’t be sued on — but in some states, a small payment can change that. Know before you pay.
Read the guide →How to File a CFPB Complaint
A walkthrough of the CFPB complaint portal, what to include, and what typically happens after you submit.
Tools we point people to
Recommended resources
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Free credit reports
The only federally authorized source for your free credit reports from all three bureaus.
Credit monitoring
[Placeholder] Know the moment a collection account shows up on your report.
Talk to a consumer attorney
[Placeholder] Many FDCPA attorneys take cases at no upfront cost because the law can require the collector to pay fees.