I Missed My 30 Days to Dispute a Debt. Can I Still Fight It? Here’s What to Do Right Now.
Missed the 30-day window to dispute a debt collector? Here’s what you lose after day 30, what you still keep, and the steps to take this week.
Regulation F
I Settled This Debt Years Ago. Now a Collector Is Threatening Me With a Fake Lawsuit. Here’s What to Do Right Now.
A collector is chasing a debt you already settled — with a fake ‘pretrial division’ voicemail. Here’s what the law says and what to do right now.
I Already Paid This Debt But a Collector Says I Still Owe It. Here’s What to Do Right Now.
A collector is demanding money on a debt you already paid. Federal law bars collecting a paid debt, and here’s how to prove it and make them stop.
A Debt Collector Won’t Validate the Debt But Won’t Stop Calling. Here’s What to Do Right Now.
A debt collector who won’t send real proof of the debt but keeps calling anyway may be breaking federal law. Here’s what validation actually requires.
A Debt Collector Called My Family About My Debt. Here’s What to Do Right Now.
A debt collector called your family about your debt. Here is what’s legal, what is not, and how to document a real FDCPA violation for statutory damages.
A Collector Is Calling About a Debt That’s Years Old. Here’s What to Do Right Now.
A collector is calling about an old debt? In most states they can’t sue you once it’s time-barred — but one wrong move can restart the clock. Here’s what to do.
Washington State Just Forced a Collection Agency to Erase $1.5M in Medical Debt. Here’s What That Tells You About Your Own Bill.
Washington’s AG just proved collectors can be forced to erase medical debt when they skip the notice rules. What that means for your collection letter.
Zombie Debt: A Collector Just Called About a 10-Year-Old Bill. Here’s What to Do (and Not Do).
Collectors buy old debts for pennies and use shame to restart the clock. A 30-year debt expert explains your rights and when to just say no.
The 777 Rule for Debt Collectors: What It Is and What It Actually Means for You
The 777 rule limits debt collectors to 7 calls in 7 days and bars calling within 7 days of a conversation. But your FDCPA rights go further — and collectors count on you not knowing them.
6 Illegal Debt Collection Tactics — and How to Shut Them Down
Debt collection complaints to the CFPB nearly doubled in 2024. From threatening arrest to impersonating law enforcement, here are 6 illegal tactics collectors use — and exactly what to do when they call.
