What the law gives you
The federal statutes that govern debt collectors and credit bureaus, in plain language — what they must do, what they cannot do, and how to make them prove it.
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Cease and Desist Debt Collector: What a Stop-Contact Letter Does
Learn how a written cease and desist letter stops debt collector calls under 15 U.S.C. 1692c(c), what it doesn't do, and when it's the wrong move.
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Credit Freeze vs Fraud Alert: Which to Use
Compare credit freeze and fraud alert: what they block, how long they last, and which fits your situation. Both are free under federal law.
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Debt Collection Lawsuit: From Summons to Judgment
What happens when a collector sues: the summons, answering, default judgment, and enforcement. Know the process and the risks of ignoring it.
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Fair Credit Reporting Act: Consumer Rights Under FCRA
The FCRA (15 U.S.C. § 1681) gives consumers the right to see, dispute, and correct credit reports. Learn what it covers and its limits.
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Fair Debt Collection Practices Act: Your Rights
The FDCPA (15 U.S.C. §1692) sets rules for third-party debt collectors. Learn what they can and cannot do, your rights, and how to enforce them.