How do I build a harassment-evidence timeline for a complaint?

Last updated: 2026-07-12 · Educational content; not legal advice.

Short answer

Keep a single, dated log of every incident, because a clear timeline is what turns scattered abuse into a filable case. For each contact record the date and time, the number or name used, the channel (call, SMS, chat, email, visit), what was said or threatened, who else was contacted, and which lender or app it traces back to — and attach screenshots, call logs, or recordings. That organized record is exactly what the SEC needs to act on an SEC MC 18 (2019) violation, what the NPC needs for an RA 10173 disclosure, and what supports a civil claim for damages under RA 11765. Back up the evidence in a second place, note any witnesses, and keep the log going until the matter is resolved.

Primary sources

Frequently asked

What details should each log entry have?

Date and time, the number or name used, the channel, exactly what was said or threatened, who else they contacted, and the lender or app behind it — with a screenshot, call log, or recording attached. Consistency across entries is what makes the pattern undeniable.

Why does a timeline matter so much?

Regulators act on documented patterns, not vague complaints. A clean timeline is what the SEC uses for an MC 18 violation, the NPC for an RA 10173 disclosure, and a court for damages under RA 11765.

How should I store it safely?

Back up screenshots and recordings in a second location (cloud or another device), note any witnesses, and keep the log going until resolution. On recording calls, see /answer/can-i-record-a-debt-collectors-calls-as-evidence.