Debt feels like an ocean.
Collectors want you to drown.We want you to swim.
You log what happened. We date it, check it against the law, and turn it into something they have to answer.
Signed, sealed and in the mail in under five minutes.
The water has rules
They are not allowed to do most of this.
The Fair Debt Collection Practices Act has governed every one of these calls since 1977. Collectors count on you never reading it.
Read the statute with AllyYour local time — not theirs. Every off-hours call is its own violation.
Dispute in writing within 30 days and collection must stop until they produce real records.
They can't discuss your debt with relatives, neighbors, or your employer. Full stop.
A written cease-contact notice legally shuts the phone off. We draft it and mail it certified.
Statutory damages per violation, plus attorney's fees — if you can show the pattern.
Meet Ally
The only one in this fight who has read all of it.
Ally knows the statute and your file — every call you logged, every letter you sent. Ask what just happened. It answers with your evidence attached.
No. Third-party disclosure is barred under §1692b(2) — they may only ask her for your address or phone number, and only once. I found the matching entry in your log and flagged it as a violation.
Try asking
Ally cites the statute and your own records. It is not a lawyer and does not give legal advice.
Know what you are holding
Every documented violation moves the number.
Collectors settle for a fraction of the balance — and they settle lower when the file in front of them is airtight. Move the sliders.
You have enough on file to end contact and hand an attorney a complete package the same day.
Strong. You have a pattern on paper — that's what makes them move.
Illustrative estimate from typical collection outcomes. Not a prediction of your result, and not legal advice.
How it works
Four steps. Then it runs itself.
- 01
Log the contact
Who called, when, what they said. Drop in the voicemail or the screenshot.
- 02
Ally checks it
Every entry is run against the FDCPA. Violations get flagged with the section number.
- 03
Send it certified
Cease & desist, validation, or dispute — printed, mailed, tracked. You approve, it goes.
- 04
Export the file
One PDF bundle: timeline, exhibits, delivery receipts. Hand it to an attorney or the CFPB.
What you get
One workspace. Six moving parts.
Contact log
Calls, voicemails, texts, letters — timestamped in one trail you can hand to anyone.
Evidence vault
Recordings and screenshots stored with file fingerprints and chain-of-custody records.
Letter generator
Validation, dispute, cease contact — pre-filled with the collector's details and your dates.
Certified mail
We print and post it with USPS tracking. Delivery proof files itself against the collector.
Ally
NewAsk about any entry and get the statute, the citation, and the next move — in plain English.
Court-ready export
Every interaction, letter, and exhibit in one PDF an attorney can read in five minutes.
Before you start
The questions everybody asks.
You can send the first letter tonight.
Add the collector, pick cease & desist or a debt dispute, approve the draft. We print it, certify it, and put it in the mail — most people finish in under five minutes.
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