You have rights. Here they are, in plain English.
Federal law — the FDCPA and Regulation F — protects you when a debt collector contacts you. This page explains each right and exactly how we honor it.
The right to know what this debt is
Within 5 days of first contacting you, a collector must send a validation notice: who the creditor is, how much is owed, and how to dispute it.
The right to dispute
If you dispute in writing within 30 days, collection must pause until the debt is verified and proof is sent to you.
Limits on how often we can call
Regulation F caps calls at 7 attempts within 7 days per debt, and bars calls within 7 days of speaking with you about it.
Limits on when and where
No calls before 8am or after 9pm your local time, and no contact at work if we know your employer prohibits it.
The right to stop contact
You can tell a collector to stop contacting you entirely, or through specific channels (like texts or email).
Freedom from harassment and false statements
No threats, obscenity, repeated calls to annoy, misrepresenting the debt, or pretending to be someone else.
Privacy about your debt
Collectors can't discuss your debt with family, friends, or employers — only you, your spouse, or your attorney.
If you believe we've fallen short
Tell us first — compliance@gocollfin.com — and we'll investigate. You can also file with a regulator at any time:
This page is a plain-language summary, not legal advice. This is a communication from a debt collector and an attempt to collect a debt; any information obtained will be used for that purpose.