Start here
The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why the log matters more than the conversation
Regulation F presumes a violation above seven calls in seven days per debt and bars calls outside 8 a.m.–9 p.m. local time; AI voices count as artificial under the TCPA. None of that can be shown without records.
You do not have to argue with the caller. You have to write down what happened, then send it in writing.
The protocol
- For each call, record the date, time, number shown, and who or what spoke.
- Note what was claimed about the debt and whether you were told it was a collection call.
- Note your requests: to stop calling, to validate the debt, or to speak to a human.
- Send a written summary to the collector and ask them to record your dispute or cease request.
- Keep the log with your phone bill, which shows the call times independently.
What the tool does
Build an automated-collection call log It runs locally in this browser and sends nothing.
Limit first: This is a record-keeping and dispute-drafting aid, not legal or financial advice. It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Open the companion tool →Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: Regulation F's seven-calls-in-seven-days presumption and 8 a.m.–9 p.m. window are in force, and the FCC treats AI-generated collection voices as 'artificial' under the TCPA.
Automated decision this documents: AI voice agents and automated dialers in debt collection
Free path, in order (no cost):
- CFPB complaint route (free, and it forces a written response)
- Your state attorney general's consumer division
- A consumer-law attorney through the National Association of Consumer Advocates — many take these cases on contingency
What this cannot do: It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
Send the written log with a cease-communication or dispute request; keep proof of delivery, because the record is what supports a complaint to the CFPB or your state attorney general.
Research log and safety checks
AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.
§0.5 protection result: category is debt-credit-and-collections; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.