Debt Validation Rights

Your FDCPA rights and how to request debt validation

Knowledge is power.

The FDCPA gives you powerful rights that most people don't know about. Debt collectors count on your ignorance. Let's change that.

Your Progress

AI Prompts

FDCPA Rights Explainer

Explain my rights under the Fair Debt Collection Practices Act (FDCPA) in plain language. Specifically:

1. What are collectors prohibited from doing?
2. What information must they provide me?
3. What is the debt validation process?
4. What are the time limits for validation?
5. What can I do if they violate my rights?
6. How do I document violations?

Please give me specific examples of violations to watch for.

Understanding your rights transforms you from a victim into an informed negotiator. Many collectors rely on intimidation, but they must follow strict rules - and violations can be used against them.

Statute of Limitations Checker

Help me determine if this debt is past the statute of limitations.

Debt information:
- Type of debt: [Credit card / Medical / Personal loan / etc.]
- Original creditor: [NAME]
- My state of residence: [STATE]
- State where debt was incurred: [STATE]
- Date of last payment: [DATE]
- Date account became delinquent: [DATE]

Please explain:
1. What is the statute of limitations for this debt type in my state?
2. Has the statute likely expired?
3. What actions could restart the clock?
4. What are my options if the debt is time-barred?

Time-barred debts cannot be sued upon, though collectors can still try to collect. Knowing whether your debt is time-barred dramatically changes your negotiating position.

Watch Out For:

Making any payment can restart the clock
Acknowledging the debt in writing can restart the clock
Different states have different statutes

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