I Filed Bankruptcy and a Creditor Is Still Trying to Collect. Here’s What to Do Right Now.
A creditor still collecting after your bankruptcy filing? Learn how to enforce the automatic stay under 11 U.S.C. 362 and what damages you may be owed.
Debt Collection
See my research, posts, and articles on debt collection, including your rights, how to handle collectors, and ways to settle or dispute debts. Click the link to learn more!
EmblemHealth and NYC Have Agreed to a $53 Million Retiree Copay Settlement. Here’s the Deadline — and the Catch in the Fine Print.
EmblemHealth and NYC have agreed to refund up to $53 million to retirees if a judge approves. Claims are due October 30, 2026 — I read the notice for the catch nobody’s mentioning.
They Said My Cosigner Filing Bankruptcy Would Wipe Out My Half of the Debt Too. It Doesn’t Work That Way.
A cosigner bankruptcy discharge releases them, not you. Chapter 7 gives zero cosigner protection; Chapter 13 gives only a temporary co-debtor stay.
I Owe Everyone at Once, and Retirement Isn’t Far Off. Here’s Where to Actually Start.
Taxes, student loans, old collections, and divorce debt at once, with retirement close? Here’s the real order of operations, and what bankruptcy can erase.
They Said I’m Automatically on the Hook for My Spouse’s Debt Because We’re Married. Mostly Not True.
In most of the U.S., marriage alone doesn’t make you liable for your spouse’s debts. But in 9 community-property states, it’s a different story. Here’s the real rule.
I Paid Off My Collection — So Why Is It Still on My Credit Report?
Paying a collection doesn’t remove it. It stays about seven years from your original delinquency, and whether your score rises depends on which model your lender pulls.
My HOA Is Foreclosing on My Home. Here’s What to Do Right Now.
An HOA can foreclose over a few hundred dollars in dues — in many states without a judge. Here’s how to find out where you stand and how to stop the sale.
A Default Judgment Was Entered Against Me. Here’s What to Do Right Now.
A default judgment was entered against you. Here’s what it means, how to fight it, and why bankruptcy may be your fastest path out — with specific deadlines, state-by-state rules, and free attorney resources.
The FTC Just Fined Amazon $2.25 Million — And Exposed a Right Most Identity-Theft Victims Don’t Know They Have
Amazon just paid a record FTC penalty for hiding fraud records from identity-theft victims. The law it broke gives you a right you can use today.
When You Search for Your Debt Collector, Who Actually Answers the Phone?
People searching for their debt collector have told the government they reached a credit repair company instead. Here’s how to confirm who answered before you share anything.
