Plain-English rights, real federal law, and a direct path to free legal help — for the 77 million Americans getting harassed who have no idea they can fight back.
Debt collectors break federal law thousands of times every single day. They call before 8am. They threaten arrest for civil debts. They harass people at work. They lie about how much is owed. They call family members. They do all of this because it works — and because they're counting on you not knowing your rights.
The federal agency built to stop them — the Consumer Financial Protection Bureau — directed staff in 2025 to halt all supervision, enforcement, rulemaking, investigations, and public communications. The cop left. Complaint volumes nearly doubled in one year. Collectors knew it immediately.
But here's what nobody is saying out loud: the FDCPA doesn't need the CFPB to work. It's an Act of Congress. It gives you, personally, the right to sue a debt collector for violations — and the law requires the collector to pay your attorney fees when they lose. The lawsuit costs you nothing. Attorneys take these cases because the fee structure makes it viable for them, not out of charity.
The gap between what's legally available to people and what they actually know is enormous. That gap is this website.
Me vs. Collector is an educational platform. We are not a law firm and we don't give legal advice. We translate the Fair Debt Collection Practices Act — a real federal law on the books since 1978 — into language a person who just got a threatening call at 11pm can understand and act on right now.
Then we connect people with licensed FDCPA attorneys who offer free consultations and take qualifying cases on contingency. The collector pays if they lose. The person we helped pays nothing.
Information in. Action out. Zero cost to the person who needed help.
Everything on this site is written for a person getting calls at midnight, not a law school classroom. If we can't explain something clearly without jargon, we don't publish it until we can.
Every claim cites the actual federal statute it comes from. The FDCPA is public law — you can verify everything we say. We don't exaggerate what the law provides.
FDCPA claims have a one-year filing window from each violation. Every resource, tool, and next step on this site is designed to be actionable immediately — because the clock is already running.
Our revenue comes from attorney referrals, consumer-friendly affiliate partnerships, and educational products. We have no relationship with any debt collection company and never will.
Information you submit through our attorney referral form is shared only with the reviewing attorney. We never sell personal data. Trust is the only thing that matters here.
Me vs. Collector is written by a small team of researchers and consumer advocates with backgrounds in financial journalism and legal education. We are not attorneys. Every piece of content is reviewed for accuracy against the FDCPA text and relevant case law before it's published.
Me vs. Collector was founded after noticing a persistent gap: millions of people were experiencing FDCPA violations that were legally actionable, free to pursue, and completely unknown to the people experiencing them. The site was built to close that gap — one case at a time. Our editorial process cross-references every claim against the FDCPA statute, FTC guidance, and CFPB complaint data, and content is updated when laws and regulations change.
When you submit through Me vs. Collector, your information goes to a licensed FDCPA attorney who evaluates your situation at no charge. If they take your case, they work on contingency — you pay nothing unless they win, and if they win, the collector pays their fees under FDCPA § 813(a).
Our attorney partners pay a referral fee only when a qualified case match is made. This is how the site stays free for users. We vet our partners and do not work with attorneys who charge upfront fees for FDCPA representation.
Start with the free violation checker →10 questions. 2 minutes. Completely free. If they violated the FDCPA, you may have a free federal case against them.
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