Debt collectors count on you not knowing your rights.

Main AI analyzes collection letters and calls, identifies FDCPA violations, and drafts cease and desist letters and debt validation requests.

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Every finding quoted from your document

Statute citations included

Ready-to-send letters prepared

What Main AI finds

What we catch in your debt collection

Calling outside allowed hours

Collectors cannot call before 8am or after 9pm local time — each violation is worth $1,000.

FDCPA 15 U.S.C. §1692c

Failing to identify as a collector

Collectors must disclose they are debt collectors in every communication.

FDCPA §1692e(11)

Threatening legal action they can't take

Threatening to sue on time-barred debt or without intent to sue is illegal.

FDCPA §1692e(5)

Contacting third parties

Collectors generally cannot contact your employer, family, or neighbors about your debt.

FDCPA §1692c(b)

Ignoring cease contact request

After receiving a written cease contact request, collectors must stop all contact.

FDCPA §1692c(c)

Attempting to collect time-barred debt

Collecting on a debt past the statute of limitations without disclosing this is deceptive.

CFPB Debt Collection Rule

How it works

Three steps. Under 60 seconds.

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Upload your document

PDF, paste, or screenshot. Any format, any length. Our specialized debt collection analyzer engine routes it to the right analysis instantly.

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Get findings in under 60s

Every finding quoted from your exact document — never invented. Statute citations, dollar impacts, and severity ratings included.

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Send what's prepared

Demand letters, dispute notices, and negotiation counters drafted and ready. You review, you send — or Main AI negotiates for you.

Analyze your debt collection for free.

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Every finding quoted from your document · Never trained on your data · Results in under 60 seconds