Educational resources and support to help you understand your rights and navigate debt resolution.
Learn about consumer protection laws and your rights when dealing with debt.
Learn More →As a consumer, you have important rights when it comes to debt collection. Understanding these rights can help you navigate the process with confidence.
The FDCPA protects consumers from abusive debt collection practices. Under this law, debt collectors cannot:
Within five days of first contacting you, a debt collector must send you a written notice containing the amount of debt, the name of the creditor, and a statement of your rights. You have 30 days to dispute the debt in writing, and the collector must stop collection efforts until they provide verification.
You have the right to request that a debt collector stop contacting you. Send a written request, and they must comply (though they may still inform you of specific actions like filing a lawsuit).
Learn how to create a realistic budget that helps you manage expenses, save money, and pay down debt effectively.
Download GuideExplore different approaches to paying off debt, including the snowball and avalanche methods, and find what works for you.
Read MoreUnderstand how debt affects your credit score and learn practical steps to rebuild and improve your credit over time.
Learn MoreAccess calculators, worksheets, and planning tools to help you take control of your financial future.
View ToolsRequest validation from the debt collector. They must provide proof of the debt, including the original creditor's name and the amount owed.
Yes, many creditors and collectors are willing to negotiate payment plans or settlements. Contact us to discuss your options.
Reach out to us immediately. We can work with you to create a manageable payment plan that fits your budget and financial situation.
Paying off debt can positively impact your credit score over time, especially if you make consistent, on-time payments.
Most negative information, including debt collections, can remain on your credit report for up to 7 years from the date of first delinquency.
Federal agency providing consumer protection and education on financial products and services.
Visit CFPBNonprofit organization offering free and low-cost credit counseling and debt management services.
Visit NFCCInformation on consumer rights, debt collection laws, and how to report violations.
Visit FTCGet your free annual credit report from all three major credit bureaus.
Get Free ReportOur team is here to answer your questions, discuss payment options, and help you find a path forward. Reach out today.