General Resource
Know your debt
Knowledge is power. If you know the type of debt you’re dealing with and want to learn more, click one of the topics below. You can access debt related articles and FAQs about various debt types.
Yes. Even after a judgment, you can settle with the collector — a lump sum or a payment plan — or ask the judge for a plan that fits your budget.
Learn about the information in a validation notice and how it can help you understand the debt at issue.
Learn about the different court papers and the information they contain to help you better understand your case.
No. There's no free lawyer in civil debt cases like in criminal ones. But you may qualify for free or low-cost legal aid. Here's how to find help.
Learn about the information in collection letters and how they can help you better understand the debt.
Learn how to get access to frozen bank account funds for emergencies and daily needs.
Learn what happens if a debt collector puts a lien on your house after getting a judgment.
Learn how to spot debt collection scams and protect yourself.
Learn about how citations work, when you need to go to court, and how you can protect some of your property from collections.
Get practical advice on attending court.
Learn how the law protects you from debt collectors who threaten you, call too often, or wrongly share your debt with others.
Learn how you and your lawyer can work together to find a solution for your money problems.