Legal Resources & Guides
Free, expert-written guides to help you understand your rights and defend yourself against debt collection lawsuits.
Showing 6 articles
Debt Defense Basics7 min read
What Happens If You Ignore a Debt Collection Lawsuit?
Getting sued for debt is stressful, but ignoring the lawsuit makes everything worse. Here's exactly what happens if you don't respond—and what you should do instead.
Debt Defense Basics10 min read
How to Respond to a Credit Card Lawsuit: Step-by-Step Guide
Being sued by a credit card company or debt collector? This step-by-step guide shows you exactly how to respond, what defenses to raise, and how to protect your rights.
Consumer Rights8 min read
Understanding Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
Debt collectors must follow strict federal rules. If they violate the Fair Debt Collection Practices Act, you can sue them—and they may have to pay you damages plus your attorney fees.
Debt Collection6 min read
Can Debt Collectors Garnish Your Wages? What You Need to Know
Wage garnishment can take up to 25% of your paycheck. Learn when it can happen, what income is protected, and how to stop or reduce garnishment.
Debt Defense Basics9 min read
Statute of Limitations on Debt: What You Need to Know
Debt collectors can't sue you forever. Every state has a statute of limitations that limits how long they can file a lawsuit. Learn how this powerful defense works.
Self-Help Legal11 min read
How to File an Answer to a Lawsuit Without a Lawyer
You don't need an expensive attorney to respond to a debt lawsuit. This guide walks you through drafting and filing your Answer step-by-step.