The rules exist. Most people just never get told them.
Know Your Debt Rights exists to close the gap between what collectors know about the law and what you do.
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The imbalance
A debt collector makes hundreds of calls a week. They have scripts, training and a compliance department that knows exactly where the legal lines are. The person on the other end of the phone usually has none of that — just stress, a phone that won’t stop ringing, and a vague sense that they have no choice.
That imbalance is the business model. Pressure works best on people who don’t know that federal law limits when collectors can call, what they can threaten, and who they’re allowed to talk to.
They are counting on you not knowing your rights. We make sure you do.
Why free
The people who most need this information are the ones least able to pay for it. So the essentials — the cheat sheet, the videos, the weekly emails — are free, and they’ll stay free.
We keep the lights on the same way most independent publishers do: some links point to tools and services we think are genuinely useful, and some of those are affiliate links. Down the road we’ll also offer a paid, in-depth course for people who want a guided, step-by-step plan. Neither of those will ever be required to use what’s here. Our affiliate disclosure spells it out.
Why faceless
You won’t find a personality at the center of this brand, and that’s on purpose.
- The law is the point, not us. Every video and guide is built around the statute and the regulation. A face on the thumbnail doesn’t make the FDCPA more true.
- No guru, no hype. Debt is a space full of people selling miracle fixes. We’d rather be the calm, cited source you can check for yourself.
- It’s about you. Most people dealing with collectors feel embarrassed. Content without a personality puts the focus where it belongs — on your situation and your options.
How we keep it accurate
Every claim we make is tied to a primary source — the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.), the CFPB’s Regulation F (12 C.F.R. Part 1006), and published guidance from the CFPB and FTC. When we simplify, we tell you where to read the full rule.
We’re not a law firm and nothing here is legal advice. When your situation calls for a lawyer — a lawsuit, a garnishment, a violation you want to pursue — we’ll say so plainly.
Who’s behind this
Know Your Debt Rights is published by LGJ Enterprises LLC. Questions or corrections? Email hello@knowyourdebtrights.com.