催收这件事最消耗人的地方在于：你不知道对方哪些行为是允许的、哪些不是，于是每一通电话都只能承受。
有两条联邦规则是稳定且可以机械判定的，所以这个工具用代码判它们：早 8 点前或晚 9 点后的联络（FDCPA 将其推定为不便时间），以及七天内就同一笔债呼叫超过七次（Regulation F 的 7-in-7 推定，按滑动窗口算）。把通话记录贴进来，代码会逐条标出落在时段外的那几次、算出最大的七日窗口呼叫数，并整理成可以直接用于投诉的形式。
然后是第一步该做的事：债务验证信。它的作用不是拖延，是把口头主张变成必须落纸的东西——很多被转卖多手的旧债根本拿不出完整凭证，这一步就直接解决了问题。
关于「这笔债过没过诉讼时效」，这里一个数字都不给：各州、各债务类型规定不同，哪个州的法律适用本身也可能有争议。但有一句必须先说——在查清楚之前不要付一分钱，也不要承认这笔债是你的：在许多州，付款或确认会让时效重新起算，一笔已经过期的旧债因为你「先还五十块表示诚意」而重新变成可以起诉的债。这是这类事情里最贵的错误。
$2 解锁债务验证信与限制联络方式的书面模板、通话时的应对脚本、违规记录表格式与向监管机构投诉的写法。
The exhausting part of debt collection is not knowing which of their behaviours are permitted, so every call just has to be absorbed.
Two federal rules are stable and mechanically checkable, so this tool checks them in code: contact before 8am or after 9pm (presumed inconvenient under the FDCPA) and more than seven calls about the same debt in seven days (Regulation F's 7-in-7 presumption, computed as a sliding window). Paste your call log and the code marks every out-of-hours contact, computes the worst seven-day window, and formats it for a complaint.
Then the first real move: a debt validation letter. Its purpose isn't delay — it forces a verbal claim onto paper, and debts resold several times often cannot be documented at all, which ends the matter.
On whether the debt is time-barred, no number is given here: limitation periods differ by state and debt type, and which state's law applies can itself be disputed. But one warning comes first — pay nothing and admit nothing until you know: in many states a payment or acknowledgement restarts the clock, and a time-barred debt becomes suable again because someone paid fifty dollars in good faith. It is the most expensive mistake in this area.
$2 unlocks validation and cease-contact letter templates, phone scripts, a violation log format, and how to file with the regulator.
债务验证信与限制／停止联络的书面模板（含寄送方式与留证要点）、接到电话时的逐句应对脚本（含五种常见施压话术）、违规记录表格式、以及向监管机构（CFPB 及州检察总长办公室）投诉的写法与该附什么。Validation and cease-contact letter templates with sending and proof-of-receipt guidance, a line-by-line phone script covering five standard pressure tactics, a violation log format, and how to file with the CFPB and your state attorney general — including what to attach.
本工具不提供法律意见，也不是律师事务所。 它只对你粘贴的记录做两项机械判定（联络时段是否在早 8 点至晚 9 点之外、七日滑动窗口内的呼叫次数），这两项均基于美国联邦法（FDCPA 及 Regulation F）中相对稳定的规则，但是否构成违法需结合具体事实与适用法律判断，本工具不作认定。时段按你所在地当地时间理解，若你与催收方不在同一时区，请自行核对。诉讼时效、各州规定、debt validation 的具体期限与流程，本工具刻意不提供数字——各州差异大且写错会造成实质损害。请通过你所在州的检察总长办公室、法院自助中心、法律援助机构或执业律师核实。特别提醒：在确认债务性质与时效之前付款或书面承认，可能导致时效重新起算。若涉及身份盗用、诉讼传票或已进入司法程序，请立即咨询律师——传票有严格的应诉期限，错过通常导致缺席判决。你填写的内容不入库。
This is not legal advice and is not a law firm. It performs two mechanical checks on the log you paste — contacts outside 8am–9pm and calls within a sliding seven-day window — based on relatively stable rules in US federal law (the FDCPA and Regulation F). Whether any contact is unlawful depends on facts and applicable law, which this tool does not determine. Times are read as your local time; verify if you and the collector are in different time zones. Limitation periods, state-specific rules and validation timeframes are deliberately omitted — they vary widely and errors cause real harm. Verify with your state attorney general, a court self-help centre, legal aid, or a licensed attorney. Note especially that paying or acknowledging a debt before establishing its status may restart the limitation period. If identity theft, a summons or any court process is involved, consult a lawyer immediately — response deadlines are strict and missing one usually produces a default judgment. Nothing you enter is stored.