Debt collection
A collector says you owe. Keep the record from the first letter.
With a debt collector, you're already answering. A letter or a call arrives, often about a debt you don't recognize or an amount that doesn't look right. The calm response is a written one, and a dated record of everything that follows.
Last updated Oct 6, 2026
A collector has contacted you
- Every letter and notice, with the date it arrived
- Every call: date, time, the name given, what was said
- The amount they say you owe, and how it's broken down
- What you sent back, and how: keep the mailing receipt or the sent email
- Any date written on their notice, noted the day it arrives
Someone owes you money
- What was agreed, in writing if there is anything
- Each invoice or statement you sent, and when
- Payments received, in part or in full
- Every reminder you sent, and any reply
- Any promise to pay, with its date
Two of the answering letters are made for this: asking exactly what is being said, and answering an amount charged against you.
How it works
One record, either way round.
Everything in one place. Your own notes, photos, files, emails, pasted texts and voice notes go into one dated register for this case.
Two dates on every entry. When it happened, and when you wrote it down. The second date can’t be changed, not by you and not by us.
Letters for both directions. 84 letters, eight of them written for the person answering. Each one fills in the facts from your record and leaves the ask blank. What you want is yours to write. Nothing is sent for you, and when you send one, it goes back into the record as a dated item.
Emails go into the case. Every case can have its own email address. Once you’ve turned it on with Copy in the case’s “Email it in” box, the emails you write from your case carry it in BCC. Emails you forward from your own sign-in address file themselves; anything else waits in Mail waiting until you check it.
Get an AI to help, if you want to. Copy a ready-made request into your own AI and bring the answer back. When it comes back as a letter draft, BuildMyEvidence checks its dates, amounts, item numbers and names against your record. There is no AI inside BuildMyEvidence.
One case file at the end. A cover, a one-page summary, the contents, then the record, numbered and dated, with every file at the back. The summary page also downloads on its own.
What it costs
Free to build. $59 once, when you want the finished file.
Building the record is free, for as long as you need it. So is reading every page of the case file, downloading any single file, and taking everything out: every file you’ve added, each with its fingerprint. You pay $59 once per case when you want to download the finished case file, the summary page or the itemized packs. No subscription. Nothing renews.
What it won’t do
It won’t tell you what happened, who’s right, or what to ask for. It doesn’t give legal advice. It keeps the record that anyone advising you would want to see.
Questions
- I don't recognize this debt.
- Write down exactly what the notice says, and when it came. Asking in writing what the debt is for is a common first step. BuildMyEvidence doesn't tell you what to do; it keeps what you send and what comes back.
- Should I talk to them on the phone?
- That's your call. If you do, write a short note straight after: date, time, the name given, what was said.
- They call at all hours.
- Log every call. Times and counts are exactly what a record is for.
Related
BuildMyEvidence works for any situation where you need a clear, dated record.