Your Rights

5 guides

The federal rules that limit what collectors can do to you — and how to enforce them when they're broken.

Your Rights
How to Report a Debt Collector for Harassment or Violations
Where to report a debt collector: the CFPB, the FTC, your state attorney general, and when a private FDCPA lawsuit is the route that actually pays damages.
April 28, 2026 · 7 min read
Your Rights
Can Debt Collectors Call Your Work or Contact Your Family?
A collector can call your job until you say your employer forbids it, and can contact family only to locate you, never to discuss the debt. Here is the exact line.
April 21, 2026 · 8 min read
Your Rights
The 7-in-7 Rule: How Regulation F Limits Collection Calls
Regulation F presumes a debt collector violates federal law after seven calls in seven days about one debt, or any call within seven days of a conversation.
April 16, 2026 · 8 min read
Your Rights
Debt Validation: How to Make a Collector Prove You Owe
A collector must send a validation notice with an itemized balance, and you get 30 days to dispute in writing. Here's what that forces them to do, and what it doesn't.
February 12, 2026 · 13 min read
Your Rights
What Debt Collectors Can and Can't Do: Your FDCPA Rights
Debt collectors can call you, but not before 8am or after 9pm, not more than seven times in seven days, and never with threats. Here's the full list of limits.
February 10, 2026 · 10 min read

Other topics

Debt Settlement7 Debt Collectors8 Credit Reports & Scores8 Statute of Limitations1 Letters & Templates2