DebtShield
Log calls. Flag violations.
Free · In-App Purchases
Debt collectors break FDCPA rules. Log every call, flag every violation - on your iPhone, optionally synced via your iCloud. No third-party cloud. No AI.
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 violation. Free caps at 3 lifetime.
- Unlimited letters per debt - photos, certified-mail tracking, response deadlines. Free caps at 1 per debt.
WHO THIS IS FOR
- Anyone getting repeat calls from a debt collector and wondering "is this even legal?"
- Consumers contacted about a debt that is not theirs (identity theft, mistaken identity).
- People who filed bankruptcy and are still being contacted on discharged debts.
- Consumers whose collectors threatened garnishment, arrest, or contacted family or employer.
- Anyone preparing a CFPB complaint or considering an FDCPA suit.
DebtShield is a personal documentation tool. It does not provide legal or financial advice, sell legal services, communicate with collectors, or process payments. The 7-in-7 threshold and statutory damages estimate ($1,000 per violation) come from the published FDCPA and CFPB Regulation F. Whether any specific contact violates the law in your jurisdiction is for you and a licensed attorney to determine.
SUBSCRIPTION OPTIONS
- Pro Annual with 7-day free trial. Save 44 percent vs monthly.
- Pro Monthly.
Subscriptions auto-renew until canceled. Renewals occur within 24 hours before the period ends unless canceled at least 24 hours prior. Payment is charged to your Apple ID. Manage or cancel in Settings > Apple ID > Subscriptions. Refunds are not offered for the unused portion of an active period.
SUPPORT
captainlongevity@gmail.com
Privacy Policy: https://app-legal-pages.vercel.app/debtshield/privacy
Terms of Service: https://app-legal-pages.vercel.app/debtshield/terms
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
The developer, 慧慧 高, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- 慧慧 高
- Size
- 4.3 MB
- Category
- Productivity
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pro Monthly AED 12.99
- Pro Annual AED 79.99
- Copyright
- © 2026 Huihui Gao