About Know Your Debt Rights
Tens of millions of Americans have collection accounts or charge-offs on their credit reports, and many are being contacted by debt collectors right now. Most have no idea they have real protections under federal law — the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the CFPB's Regulation F. Until now, the main way to learn those rules was to pay a lawyer by the hour.
Know Your Debt Rights exists to close that gap. They're counting on you not knowing your rights. We make sure you do.
What we do
- Publish free, plain-English guides and videos on what debt collectors can and can't do, how credit reporting works, and what to do if you're sued.
- Cite the statute, regulation, or agency guidance behind every rule, so you can check it yourself.
- Tell you what won't work, too — including popular myths like the "609 letter."
- Offer free tools and sample letters, and a paid library of educational letter templates for people who want them ready-made.
What we are not
- Not a law firm. We don't give legal advice about your situation, and reading this site doesn't create an attorney-client relationship.
- Not a credit repair organization. We don't contact creditors or credit bureaus for you, and we never promise to remove anything from your credit report.
- Not affiliated with any government agency, credit bureau, collection agency, or lender.
If you need advice about your specific situation, see Find Help — many consumer attorneys offer free consultations, and legal aid is free if you qualify.
Who's behind it
Know Your Debt Rights is published by LGJ Enterprises LLC. It started as a YouTube channel and grew into this library of guides and tools. How we research and review our content →