Issue guide

Debt collection not owed

A practical evidence-organizing guide. It does not determine liability or replace legal advice.

Evidence to gather

Build the factual record

Collector identity, validation notices, original creditor, account records, dispute history and dates.

  • Preserve originals and dates.
  • Keep communications and confirmations.
  • Record what remedy you requested.
  • Separate what you know from what you suspect.
Possible route

Start here

CFPB/FTC/state routes may apply; determine collector role and governing facts.

Research the institution
Next step

Turn the timeline into an evidence packet.

Build My Evidence Packet