Consumer Rights guide
Hounded by debt collectors?
Don’t let them push you around.
Keep a record of every call, letter, and message: who contacted you, when, and what they said.
ClearRecourse.com is not a law firm. This guide is information, not legal advice. There’s nothing to fill in or send. Updated October 2026.
Does this sound like what happened?
For example:
- Calls early in the morning, late at night, or at work.
- The calls didn’t stop after you asked them to.
- Threats of arrest, or calls to your family or boss about the debt.
- A debt you don’t recognize, or one you already paid.
This guide doesn’t say whether a collector broke a rule or whether you owe the debt. For credit reports or unwanted sales calls, see the questions below.
Put the details in order
Write these down for yourself, in your own words. Nothing is entered or sent on this site.
Each contact
The date and time, the phone number or address, the company name, and the name the caller gave.
What they said
Their words, as closely as you remember them, especially threats, insults, or what they said they would do.
What you said
Whether you asked them to stop, asked for proof of the debt, or said it isn’t yours, and how: a call, a letter, or an email.
Who else they contacted
Family, neighbors, your boss, or coworkers, and what was said to them.
Letters, voicemails, texts, call logs, or screenshots may help you remember details. Keep copies. Nothing is uploaded on this site.
A few things worth knowing
Clear answers about this guide.
Does reading this guide decide anything about my situation?
No. This guide helps you keep a record. It doesn’t say whether a collector broke a rule or whether you owe the debt.
What about credit reports or unwanted calls?
The Consumer Financial Protection Bureau takes complaints about credit reports and debt collectors at consumerfinance.gov. For unwanted sales calls, see the national Do Not Call Registry at donotcall.gov.
Are these notes sent anywhere?
No. The prompts are for your own notes. Nothing on this page is entered or submitted. There is no form or upload.
Is ClearRecourse.com a law firm?
No. ClearRecourse.com is a marketing and connection service, not a law firm. This site offers information only and doesn’t accept consultation requests.
Your next step
Your notes are yours to use however you choose.