Debt collectors follow rules.Hold them to every one.

Debt Defender turns a collection fight into a controlled process: record what they claim, log what they do, and answer with disputes and letters that cite the statutes they are required to obey.

Start your record Read your rights

FDCPA · FCRA · State law · No legal advice, just leverage

Four federal controls every consumer already owns.

15 U.S.C. § 1692g: Validation; Dispute in writing within 30 days and the collector must stop and prove the debt before collecting another cent.
15 U.S.C. § 1692c(c): Cease; One written demand and all contact must stop. Continued calls after it are violations on the record.
15 U.S.C. § 1692d-e: Conduct; No calls before 8 a.m. or after 9 p.m. No threats, no lies, no third-party disclosure. Each breach is documentable.
15 U.S.C. § 1692k: Damages; Violations carry statutory damages up to $1,000 plus actual damages, and the collector pays your attorney fees.

Maine residents get further reach: a debt collector must hold a Maine license to collect here at all, 32 M.R.S. § 11031, and the Maine Unfair Trade Practices Act, 5 M.R.S. § 207, reaches unfair and deceptive conduct by original creditors, not only collectors.

Operating procedure

Record01

Every debt, as the collector claims it. Amounts, account numbers, and the date of last payment that starts every clock.

Log02

Every call and every incident, timestamped as it happens. A pattern of calls is evidence a single call is not.

Dispute03

Validation demands, cease and desist letters, and bureau disputes, drafted with the exact statutes cited.

Send04

Print, sign, certified mail. The tracking number goes on the record, and where the law sets a clock, it starts running.

Start your recordYour records stay yours.