Your rights
Your Rights
Federal law gives you specific protections when a debt is being collected. Below is what those rights are, and a direct way to use every one of them.
Request validation of this debt
Get written proof of what you owe and who you owe it to.
Start this request →Dispute this account
Tell us the balance is wrong, or that the account isn't yours.
Start this request →Remove my phone number
Stop calls to a number that shouldn't be called.
Start this request →Report bankruptcy
Tell us you've filed so we stop immediately.
Start this request →Report fraud or identity theft
This account isn't yours.
Start this request →Ask a question or file a complaint
Talk to a person, or tell us we got it wrong.
Start this request →What happens when you use these
What Happens When You Use These
When you dispute, collection stops.
A written dispute — or a written request for the name and address of the original creditor — halts collection on the account until we send you verification. That means every outbound contact and any scheduled payment pauses: texts, emails, calls, and automatic charges. It is a control inside the system that sends them, not a policy we describe.
15 U.S.C. § 1692g(b) · 12 C.F.R. § 1006.38(d)When you say stop, you don't have to say it twice.
Our system reads inbound texts, emails, calls and portal messages for the words that matter — stop, cease contact, I have an attorney, I've filed bankruptcy, this account is fraud — and acts on the message itself rather than on someone's interpretation of it. We run our own detection rather than relying on the phone carrier's.
15 U.S.C. § 1692c(c) · § 1692c(a)(2) · 12 C.F.R. §§ 1006.6(c), 1006.6(e)Bankruptcy is treated as urgent.
A bankruptcy notice outranks everything else on your account the moment it arrives. Activity stops on notice of the filing, not on confirmation of it.
11 U.S.C. § 362 automatic stayWe call within legal hours, in your time zone. Not ours.
Between 8:00 a.m. and 9:00 p.m. where you are, and never at a time or place we know to be inconvenient for you.
15 U.S.C. § 1692c(a)(1) · 12 C.F.R. § 1006.6(b)(1)(i)Nobody else hears about your account.
We do not disclose the existence of the account to your family, your employer, your neighbors or anyone else, except where federal law specifically permits it.
15 U.S.C. § 1692c(b) · 12 C.F.R. § 1006.6(d)Your rights under federal law
Your Rights Under Federal Law
AuthorityFair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. · Regulation F, 12 C.F.R. Part 1006
You can make us prove it
Within 30 days of our first communication you may ask, in writing, for validation of the debt. Collection stops until we provide it.
15 U.S.C. § 1692g(a)–(b)You can dispute any part of it, at any time, for free
All of it or part of it. A disputed account is reported as disputed for as long as it is disputed.
15 U.S.C. § 1692g(b) · § 1681s-2(a)(3)You can ask who originally held the account
You may request the name and address of the original creditor, and we will provide it.
15 U.S.C. § 1692g(a)(5) · 12 C.F.R. § 1006.38(d)(2)You control when and how we contact you
You can tell us a time or place is inconvenient, restrict us to one channel, or tell us to stop contacting you altogether.
15 U.S.C. § 1692c(a), (c) · 12 C.F.R. § 1006.6There is a limit on how often we may call
No more than seven telephone calls in seven consecutive days, and no call within seven days of speaking with you about the account.
12 C.F.R. § 1006.14(b)(2)(i)If you have a lawyer, we deal with your lawyer
Tell us who represents you and we contact them instead of you.
15 U.S.C. § 1692c(a)(2)We cannot mislead you or treat you unfairly
No false statements about the debt, who we are, or what can happen. No unfair or unconscionable means of collecting it.
15 U.S.C. §§ 1692e, 1692f · 12 C.F.R. §§ 1006.18, 1006.22If the debt is too old to sue on, we cannot sue on it
And we will not threaten to.
12 C.F.R. § 1006.26(b)Active-duty servicemembers have extra protections
Tell us and we apply them.
50 U.S.C. § 3901 et seq.You can complain to a regulator, and we cannot penalize you for it
The Consumer Financial Protection Bureau and your state attorney general both accept complaints about debt collectors.
12 U.S.C. § 5493(b)(3)How long your account is with us
We are retained by our client for a limited period. During that time we review the account, verify its details, and work with you on the options available. When that period ends, the account returns to our client.
State disclosuresThe notices your state requires are shown to you on the correspondence and disclosures for your account, according to your state of residence
In Writing
Written Requests
Every request above can also be made by mail. Written correspondence — disputes, validation requests, and instructions to stop contacting you — goes to our mailing address, which is scanned daily.
Mailing address for written correspondence
Capital Review Management, LLC
600 River Pointe Drive, Suite 200
Conroe, TX 77304