Is Your Debt Collector Crossing the Line? | Relief
Is Your Debt Collector Crossing the Line? — Relief
Free 60-Second Check

Is Your Debt Collector Crossing the Line?

Federal law puts real limits on how, when, and how often a collector can contact you. Answer a few quick questions about your experience and find out if their behavior may already be crossing legal lines.

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Relief · 60-second check Collector Contact Check
The Rules

Rules Collectors Have to Follow

Debt collectors don't get to do whatever it takes to get paid. Federal law puts real limits on their contact with you — here are a few examples.

Calling Hours
No calls before 8am or after 9pm your time.
Call Frequency
No more than 7 calls about the same debt in any 7-day period.
Written Stop Requests
Once you ask in writing, most further contact has to stop.
Third-Party Contact
With narrow exceptions, they can't discuss your debt with your family, friends, or employer.
False Threats
They can't threaten arrest, jail, or a lawsuit that never happens.
Attorney Representation
Once they know you have an attorney, they're supposed to go through your attorney instead of you.
This is just a sample of the federal rules — the free check above walks through more, based on your own experience.
↑ Back to the check
How It Works

What Happens When You Take the Check

Answer a few quick questions
About the calls and contact you've actually experienced — takes about 60 seconds.
See what's worth a closer look
Get a plain-English summary of anything that may cross a legal line.
Get set up with Relief
Start documenting collector contact and, when it's time, connect with an independent attorney.
Common Questions

Questions About the Check

Is this legal advice?
No. This check is for general information only, not legal advice. Whether a collector's actions qualify as a violation depends on the full facts of your situation under federal and state law.
Is my information private?
Yes — your answers stay in your browser while you're taking the check and aren't stored or sent anywhere unless you choose to continue on to Relief.
Does the check cost anything?
No, the check itself is free.
What does Relief actually do?
Relief helps members document collector contact and, when it's time, connects them with independent attorneys — Relief isn't a law firm itself.

Ready to See Where You Stand?

It only takes about 60 seconds, and it's free.


This page and the check above are for general information only and aren't legal advice. Relief connects members with independent attorneys for specific matters — Relief isn't a law firm.
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