FDCPA Resource Center
Know your rights
Plain English guides on debt collector harassment, your legal rights, and how to fight back — written by consumer rights specialists.
18 things debt collectors are legally prohibited from doing
The FDCPA is specific. Here is every prohibited behavior — from illegal call hours to threats of arrest — explained in plain English with the exact legal section.
How to write a cease & desist letter that actually works
A cease & desist letter legally forces collectors to stop contacting you. Here is exactly what to include, how to send it, and what happens next.
Debt validation: How to force collectors to prove you owe them money
You have 30 days from first contact to demand debt validation. If the collector cannot prove the debt, they must stop all collection activity.
Jan 25, 2025
→How to file a CFPB complaint against a debt collector (step by step)
Filing with the CFPB is free, takes 10 minutes, and forces the collector to respond within 15 days. Here is exactly how to do it.
Feb 1, 2025
→How to sue a debt collector under the FDCPA — and win
The FDCPA lets you sue collectors for up to $1,000 per case plus attorney fees. And because collectors pay your legal fees, most FDCPA attorneys take cases for free.
Feb 8, 2025
→Your rights when debt collectors call about medical bills
Medical debt now has special protections. Here is what changed, what collectors can and cannot do, and how to dispute medical debt on your credit report.
Feb 15, 2025
→Statute of limitations on debt: A state-by-state guide
Debt does not last forever. After a certain number of years, collectors lose the legal right to sue you. But the clock is trickier than you think.
Feb 22, 2025
→How to remove debt collection entries from your credit report
Inaccurate collection accounts can drop your score by 100+ points. The FCRA gives you the right to dispute them — and collectors often cannot verify in time.
Mar 1, 2025
→Can a debt collector call me at work? What the law actually says
Yes, they can call your job — until you tell them not to. Here is the exact rule, the two-sentence letter that stops it permanently, and what to do if they keep calling anyway.
Mar 8, 2025
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