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.