Main AI analyzes collection letters and calls, identifies FDCPA violations, and drafts cease and desist letters and debt validation requests.
Under the FDCPA you can demand the collector prove the debt is yours, the amount is right, and they're entitled to collect it — and if you dispute in writing within 30 days of first contact, collection must pause until they validate. Many collectors can't produce the paperwork, especially on resold debt.
Not if the statute of limitations has run — time-barred debt can't be won in court, and in many states even suing on it violates the FDCPA. Careful: a small payment or written acknowledgment can restart the clock in some states. Check the date of last activity before paying anything.
The FDCPA bans calls before 8am or after 9pm, workplace calls after you object, threats they can't legally carry out, discussing the debt with third parties, and misrepresenting the amount or legal status. Violations entitle you to statutory damages — every letter is potential evidence.
First validate, then decide. If the debt is valid, negotiate in writing — collectors buy debt for cents on the dollar and routinely settle for 30–60%. Get any settlement agreement in writing before paying a cent, and never give a collector direct bank access.
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