Lawsuits & Your Rights
What Happens to Credit Card Debt When Someone Dies
Learn what happens to credit card debt when someone dies, who is legally responsible, and what collector tactics family members should never fall for.
Lawsuits & Your Rights
FDCPA rights, statutes of limitation, garnishment, and what to do if you are sued over debt.
Lawsuits & Your Rights
Am I Responsible for My Spouse's Credit Card Debt?
Am I responsible for my spouse's credit card debt? It depends on your state and account type. Learn the key rules that determine your liability.
Lawsuits & Your Rights
Can Debt Collectors Take Your Social Security?
Federal law protects Social Security and VA benefits from most debt collectors. Learn what the two-month bank rule covers and what garnishment cannot touch.
Lawsuits & Your Rights
Time-Barred Debt: What It Is and What to Do When Collectors Call
Time-barred debt can no longer be collected in court, but one wrong move can revive it. Learn what to say when collectors call on old debt.
Lawsuits & Your Rights
Cease and Desist Letter to Debt Collector: Template and the Real Tradeoff
A cease and desist letter to a debt collector can stop calls, but it may speed up a lawsuit. Learn when to use it, when to skip it, and see a real template.
Lawsuits & Your Rights
How to Settle a Debt After Judgment
A judgment doesn't close the door on negotiation. Learn how to settle a debt after judgment with lump-sum offers, satisfaction filings, and credit cleanup steps.
Lawsuits & Your Rights
What Does Judgment Proof Mean?
What does judgment proof mean? Learn which assets and income are protected from collectors, and how that changes your debt negotiation options.
Lawsuits & Your Rights
How to Settle a Debt Lawsuit Before the Court Date
A debt lawsuit can settle before the court date. Learn how to negotiate with the law firm, understand your options, and get the agreement in writing.
Lawsuits & Your Rights
Can a Debt Collector Garnish Your Bank Account?
Can a debt collector garnish your bank account? Learn how bank levies work, what funds are protected, and how to protect your money before it's frozen.
Lawsuits & Your Rights
Default Judgment on Credit Card Debt: What Happens and What You Can Still Do
A default judgment on credit card debt can lead to wage garnishment, bank levies, and liens. Learn what it means and what you can still do.
Lawsuits & Your Rights
How to Answer a Summons for Debt Collection: A Step-by-Step Guide
Learn how to answer a summons for debt collection step by step. Deadlines, the answer document, affirmative defenses, and how responding shifts settlement leverage.
Lawsuits & Your Rights
How To Dispute a Debt Collection and Protect Your Rights
Learn how to dispute a debt collection the right way. Understand your FDCPA rights, what to do with unknown debts, and how to handle past-SOL collections.