Debt Defense Guides
Everything you need to know about fighting debt collection lawsuits, from filing your Answer to countersuing for FDCPA violations.
How to Respond to a Debt Collection Lawsuit
Step-by-step guide to filing your Answer and defending yourself.
What Happens If You Ignore a Debt Lawsuit
Default judgments, wage garnishment, and how to avoid the worst outcomes.
Statute of Limitations on Debt
Complete guide to SOL by state and debt type. Is your debt time-barred?
Wage Garnishment Rules by State
Which states allow garnishment? How much can they take? Your exemptions.
FDCPA Violations: A Complete Guide
The most common FDCPA violations and how to file a claim against collectors.
What Is a Default Judgment?
How default judgments work, what collectors can do with one, and how to prevent it.
How to Vacate a Default Judgment
Already have a default judgment? Learn how to get it set aside.
Debt Collection Harassment
What crosses the line from collection to harassment? Your rights and remedies.
Can Collectors Sue for Old Debt?
Time-barred debt, zombie debt, and your rights when collectors revive old accounts.
How to Negotiate Debt Settlement
Strategies for settling debt for less than you owe, with or without a lawsuit.
Credit Card Charge-Off vs. Collections: What Actually Happens to Your Debt
Understanding the transition from charge-off to collections and what it means for your rights.
Sued or hassled by a debt collector? We'll handle the response.
Free case review — no obligation. We check your deadline, prepare your response and any letters, and you approve everything before it's sent. You stay in control the whole way.