Debt Troubles

If you are having trouble paying your bills or are being harassed by debt collectors, you should take a look at the articles and videos below. They'll help you get through this part of the process without hurting your chances too much and perhaps gaining a right or two to sue the debt collector yourself.

Cease-Communications Letters. Article. How to make the debt collectors stop calling you.

Debt Collection Laws  Article. Whether you're being harassed or sued by debt collectors or original creditors, you have some rights. This article goes over a few sources of those rights.

Debt Consolidation  Article. Debt consolidation does look like it would save you money, so why is it so often a disaster waiting to happen to the people who use it to reduce their payments? This article discusses a couple of the legal pitfalls and why they trap so many people.

Garnishment  Article. Garnishment means creditors intercepting payments from people who owe you money. When might your assets be garnished? and what kind of notice do you get before it happens?

Requiring Verification-Your Secret Weapon  Video. The first thing you should do if you hear from a debt collector is request verification. This video tells you why and how.

Should You Give Debt Collectors Money?     Video. When the debt collectors are bugging you, should you give them money to go away? If you do, it might be a big mistake. This video discusses what can happen if you give the debt collector money.

Social Security Garnishment  Article. Can they garnish your social security? If you depend on Social Security you need to read this article.

Talking to Debt Collectors  Article. Should you talk to debt collectors? It depends on whether you have anything to say. Sounds simple, but you should just talk to them for your purposes rather than theirs. This article discusses why you'd talk to collectors in more detail.

Threats by Debt Collectors  Article. Debt collectors can't threaten you with actions that they can't, or don't intend, to do. This article discusses your rights against threatening debt collectors.

What to Do if Sued    Video. The things you need to do if you get sued.

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Litigation Manual and Forms - Everything you have to know to beat the debt collectors.