Legal Disclaimer

Collector Audit is a software product. We are not a law firm, a lawyer-referral service, or a substitute for an attorney. We do not provide legal advice, legal opinions, recommendations, or representation. No employee or contractor of Collector Audit is acting as your lawyer.

Using Collector Audit does not create an attorney-client relationship, an attorney-in-fact relationship, or any other fiduciary relationship. Any information you enter into the service is not protected by attorney-client privilege.

Collector Audit is built for consumers in the United States. The rights it helps you document come from the federal Fair Debt Collection Practices Act and the state laws that extend it; those laws do not govern debt collectors operating outside the United States. Accounts require a US mailing address and we do not send mail internationally. If you are dealing with a collector outside the US, this service will not help you — seek advice under the law that applies where you are.

Letter templates, the "audit score," tips, and suggested next steps reflect general information about the federal Fair Debt Collection Practices Act and similar state laws. They are not tailored to your situation. Laws differ by state, change over time, and turn on facts a template cannot know. You are solely responsible for reviewing, editing, and approving every letter before it is sent and for the consequences of sending it.

Sending a validation letter, cease-and-desist, or any other letter does not guarantee that a collector will stop contacting you, remove an item from your credit report, or discontinue collection efforts. We make no warranty about results.

If you need advice about your specific situation — for example, if you are being sued, if a wage garnishment is pending, or if you are unsure whether to send a particular letter — consult a licensed consumer-protection attorney in your state. Many offer free initial consultations, and most FDCPA cases let prevailing consumers recover attorneys' fees from the collector.