About Debt Collector Pushback
Debt Collector Pushback exists to give people a clear, do-it-yourself path to dealing with debt collectors, disputing debts they don't recognize, and protecting the consumer rights the law already gives them — without paying a debt-settlement firm a cut of their money.
Why this site
When a collector calls, most people don't know their rights: that they can demand written validation of a debt, that old debts can be past the statute of limitations, that harassment is illegal, and that a lawsuit can sometimes be dismissed. When people search for help, they mostly find dry legal pages or companies pitching paid settlement services. Almost no one just hands you the plain-English steps and the letters to send. That is the gap this site fills.
Who runs it
My name is Andrea. I research and write every guide here, and I keep them updated. I am not a lawyer, credit counselor, or government agency, and this site is not affiliated with any collector, creditor, or agency — it is an independent, consumer-first resource.
How the content is made
Each guide is built from primary sources: the Fair Debt Collection Practices Act (FDCPA), Consumer Financial Protection Bureau (CFPB) guidance, and state statutes. Where a rule or deadline varies by state — and it almost always does — we say so and point you to where to confirm it. Our guides are drafted with the assistance of AI tools and are then reviewed and edited by a human editor, Andrea Papa, who holds editorial responsibility for what we publish; we publish only after human review.
Editorial independence
We are not paid by collectors or debt-settlement firms, and we do not take a cut of anything. The site is supported by advertising. Our goal is simple: help you understand your rights and act on them yourself.
Important
Everything here is general information, not legal, financial, or credit advice, and no outcome is guaranteed. Debt collection rules and statutes of limitations vary by state and can change — always verify with the CFPB, your state attorney general, or a licensed attorney. Questions? Email [email protected].