Consumer Rights
Know your rights before you pay a collector.
Debt collectors have rules to follow, and you have protections. These guides explain debt validation, FDCPA rights, and how to respond when a collection agency contacts you.
Debt Validation
Learn how to demand proof that a debt is real, accurate, and legally collectible before you pay.
Read the guideDebt Validation Letter
Use a complete guide and letter template to request debt validation from a collector.
Read the guideFDCPA Rights
Understand what debt collectors can and cannot do under federal debt collection law.
Read the guideCollection Agency Rights
Know the limits of collection agency authority and what options you have when contacted.
Read the guide