DebtShield

Every call. Every violation. Every right.

Debt collectors break the FDCPA more often than most consumers realize. They call before 8 AM. They threaten lawsuits they will never file. They tell your sister about the debt. They keep calling after a cease-and-desist. Each violation is potentially $1,000 in statutory damages plus actual damages plus attorney fees - but only if you can document what happened, when, and what they said.

DebtShield is a private evidence journal for that exact situation. Log every collection call with the time, the caller, and what they said. Flag the 17 most common FDCPA violations from a built-in checklist. Auto-monitor the CFPB Regulation F 7-calls-in-7-days threshold per collector. Track debt validation requests and the 30-day response deadline. Auto-flag any contact after a cease-and-desist as a violation. Generate a CFPB-complaint-ready or attorney-ready evidence PDF.

This is not a debt-settlement service. We do not negotiate with collectors on your behalf. We are the journal you bring to a consumer rights attorney.

YOUR DATA STAYS ON YOUR PHONE
- No account, no login, no third-party cloud.
- Records on your device; optionally synced to your private iCloud (OFF by default - turn on in Settings).
- No analytics, no third-party SDKs, no AI.
- Network: Apple StoreKit and (when enabled) Apple CloudKit. We have no access.

WHAT YOU CAN DO FOR FREE
- 1 debt and 1 collector
- Up to 10 call log entries
- 1 letter per debt (record sent validation requests + cease-and-desist letters)
- 3 lifetime third-party contact entries (Section 805(b))
- Full FDCPA 17-violation checklist as a learning reference
- Consumer Rights Guide (FDCPA basics, how to send a validation request, how to send a cease-and-desist, how to file a CFPB complaint, how to find an FDCPA attorney)
- Markdown evidence summary export
- Face ID / Touch ID app lock

UPGRADE TO PRO TO UNLOCK
- Unlimited debts, collectors, and call log entries - no 10-call cap.
- 7-in-7 harassment monitor - auto-flags when calls exceed CFPB's weekly limit.
- Debt validation tracker with 30-day deadline alerts and cease-and-desist auto-flagging.
- CFPB-complaint and attorney-evidence PDF reports with full violation timeline.
- Per-call FDCPA violation tagging with summary and statutory damages estimate.
- Unlimited third-party contact log (family, employer) - every entry is a major FDCPA viola