Count the calls
Add each call from your phone's call history. The log flags the calls that match a federal rule: more than seven calls in seven days about a debt, a call within seven days after you spoke with the collector, and calls before 8 a.m. or after 9 p.m. Download it as a spreadsheet for your lawyer. Nothing leaves your device.
| When | Who | What | Rule it matches | Delete |
|---|
The rules the log applies
| Flag | The rule | Authority |
|---|---|---|
| More than 7 calls in 7 days | A collector is presumed to harass if it places more than seven telephone calls within seven consecutive days about a particular debt. | 12 C.F.R. § 1006.14(b)(2)(i) |
| Within 7 days after a conversation | Presumed harassment if it calls within seven days after a telephone conversation with you about the debt. | 12 C.F.R. § 1006.14(b)(2)(ii) |
| Before 8 a.m. or after 9 p.m. | Presumed inconvenient, unless you agreed to those hours. | 15 U.S.C. § 1692c(a)(1); 12 C.F.R. § 1006.6(b)(1) |
| At work | A violation if the collector knows or has reason to know your employer prohibits the calls. | 15 U.S.C. § 1692c(a)(3) |
The log counts per collector name, in a rolling seven-day window, and counts every call you enter including unanswered calls and voicemails. Enter each collector the same way every time so the count is right. Calls about different debts are counted separately under the rule, so if one collector is calling about two debts, note it in the “What was said” field and tell your lawyer.
Florida residents
Florida’s Consumer Collection Practices Act separately prohibits communicating with such frequency as can reasonably be expected to harass, and reaches original lenders as well as collectors (Fla. Stat. § 559.72(7)). The Florida page explains it.
The 7-in-7 rule
What the presumption is, what it is not, and how collectors try to rebut it.
Too many calls →The violation checker
Everything else the collector did, matched to the law, with your deadlines.
Check it →Make them stop
A written request to stop ends the calls, with narrow exceptions.
Stop request →Common questions
Do texts and emails count toward seven in seven days?
No. The Regulation F presumption counts telephone calls, including calls that go unanswered or to voicemail. The log records texts so you have a complete record, but never counts them toward the seven. Texts and emails can still be harassment on their own, and robotexts can violate the TCPA.
Is eight calls in a week automatically a violation?
It is presumed to be harassment, which means the collector has to explain it away. The collector can try to rebut the presumption, and fewer calls can still be harassment depending on the pattern, the content and whether you told them to stop. The log shows the pattern; a lawyer weighs it.
Where is my log kept?
Only in this browser tab, unless you tick Keep my log on this device, which stores it in this browser on this device until you clear it. It is never sent to us or anyone else. Use Download to save a copy you can email to your lawyer.
What else should I save?
Screenshots of your phone's call history showing the dates, times and numbers; every voicemail; every letter and envelope; and notes of what was said on any call you answered, written the same day.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.