They Said a Debt Collector Can Sue Me Wherever They Want. Federal Law Says Otherwise.
Federal law limits exactly where a debt collector can sue you over a debt. Here’s the FDCPA venue rule and what to do if you’re sued far from home.
Statute of Limitations
See my research, posts, and articles on the statute of limitations, including how it affects debt collection, legal time limits, and your rights. Click the link to learn more!
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.
They Said Once the Debt Was Charged Off, I Don’t Owe It Anymore. The Bank Wrote It Off — Not You.
A charge-off is an accounting move, not forgiveness. Here is what you still owe, what the statute of limitations really limits, and the 7-year 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.
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.
They Said Once a Debt Falls Off Your Credit Report, You Don’t Owe It Anymore. Not True.
A debt falling off your credit report after 7 years doesn’t erase it. Three separate clocks are running — here’s what the CFPB actually says about old debt.
A Debt Collector Is Threatening to Sue Me. Here’s What to Do Right Now.
A debt collector threatening to sue may be bluffing — or they may mean it. Here’s how to tell the difference, your rights under federal law, and what to do in the next 48 hours.
I Didn’t Respond to My Debt Lawsuit in Time. Here’s What to Do Right Now.
Missed the deadline on a debt lawsuit? A default judgment isn’t always final. How to vacate it, protect your income, and stop collection right now.
What Happens If Your Phone Bill Goes to Collections
Phone bill went to collections? Here’s exactly what happens to your credit, your rights under FDCPA, and the steps that actually work to resolve it.
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.
