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Debt, Collections & Bankruptcy

Collectors, wage garnishment, statute of limitations on debt, and bankruptcy options — know your rights before you negotiate or pay.

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Common Questions

Tools & Services

  • Send a debt validation letter — Force a collector to prove the debt is yours and accurate before you pay a cent.
  • Filing Deadline Finder — Find the filing deadline (statute of limitations) for your type of claim, with the citation to your state's statute.
  • Cost & Timeline Guide — See typical court fees and how long each stage usually takes, drawn from official fee schedules.
  • Class Action Finder — Find open consumer class actions and settlements and see whether you may be included.

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