How to Answer a Summons for Debt Collection in California

“I love getting sued for a debt,” — said no one ever.

Being sued for debt can be stressful and overwhelming. Ignoring the Summons may cause more financial challenges than what you are already handling. The best approach is to respond to the Summons, no matter what your financial situation is. This article will simplify the process by telling you exactly how to respond to a debt collection lawsuit in California. This includes information specific to filing in California, like state deadlines and forms.

Let's dive right in.

Table of Contents

• Deadline to respond in California
• California Answer forms
• Steps to respond in California
• California Answer filing fees
• CA fee waiver request
• Other legal documents
• Make a Motion to Compel Arbitration in California
• Settle debt in California
• California debt collection laws
• Statute of limitations on debt in CA
• Check California court case status online
• California debt relief options
• Stop wage garnishment in California
• FAQs about debt collection in California
• File an Answer in your local court in California

You have 30 days to respond to a Summons for debt in California

In California, the deadline to respond to a Summons for debt is 30 days (including weekends and court holidays).

If you did not receive the lawsuit documents directly, the court gives you 40 days to respond. Such a situation occurs if the Summons and Complaint were served to someone else in your household or at work, if it was sent to an old address, or it was mailed to you. Before counting these ten extra days, ensure the plaintiff's documents say you were substitute served or call the creditor's lawyer to confirm.

Be aware of these other exceptions on deadlines in California.

Use these California Answer forms to respond to a Summons

It can be confusing and challenging for an inexperienced person to know which forms to send to respond to a debt collection Summons. SoloSuit solves this challenge by giving you several options that will help you fill the correct form.

Use SoloSuit's free Answer form to respond to a debt collection lawsuit in California.

It's quick and easy to fill, takes less than 15 minutes, and it has the best track record for debt collection lawsuits (we get cases dismissed every day). And did we mention it's free?

California Answer to Summons forms

Here are other forms provided by the state.

• The General Denial Form - Use this form if you disagree with the entire complaint. This form doesn't provide support for affirmative defenses.
• Answer Form - Use this legal form if you disagree with a section or agree with the entire complaint.

If you decide to use the state forms, you can use these official instructions to fill out the forms. SoloSuit's Answer is free and easy to fill out, and no instructions are needed.

Follow these steps to respond to a debt collection case in California

You know you're being sued for debt when you receive court documents that say you need to appear in court on a certain date. These documents are called the Summons and Complaint. The Summons notifies you of the debt collection lawsuit, while the Complaint lists the specific allegations (or claims) that the plaintiff is making against you.

Remember, you usually have only 30 days to respond to the Complaint. The ideal document for responding is the Answer. Here are three steps to responding to a Summons and Complaint:

1. Answer each claim listed in the complaint
2. Assert your affirmative defenses
3. File the Answer with the court and serve the plaintiff

You can also watch the following video to learn more about these steps to answer a Summons for debt in California:

If you haven't been sued yet, use SoloSuit's Debt Validation Letter to fight debt collectors.

1. Answer each issue of the Complaint

Answering the Complaint can be scary, but the process is simple if you follow these guidelines. First, read the Complaint and decide how you want to respond to each numbered paragraph. You can respond in one of three ways:

• Admit—like saying, “This is true.”
• Deny—like saying, “Not true” or “Deny in full."
• Deny due to lack of knowledge—like saying, “Based on the information provided, I lack the requisite knowledge to answer definitively.”

SoloSuit can help you respond in less than 15 minutes—for free!

Choose one of the options above to respond to each claim that is listed in the Complaint document. Essentially, your Answer should be a list of responses. Most attorneys recommend that you deny as many of the allegations as possible. This forces the plaintiff (or debt collector) to do more work to prove their claims. You may deny a claim if the debt is not yours, you cleared the debt, or the debt has expired.

California-specific forms give you the option to admit (agree), deny (disagree), or deny because of a lack of sufficient information (I don't know). The responding process remains the same.

2. Assert affirmative defenses

“Assert affirmative defenses” means giving legal reasons why you shouldn't lose the lawsuit or why you don't owe the debt. You should include a section in your Answer document for these relevant defenses.

Here are some of the most common affirmative defenses in debt collection cases:

• The debt account is not yours.
• The debt was canceled and, therefore, you don't owe the creditor.
• The statute of limitations has expired. A statute of limitations on debt is a law that sets a time period that a debt collector or creditor can sue someone for a debt. In California, the statute of limitations on debt is at six years, so you can't be sued for a debt based on a contract that has had no activity on it for six or more years.
• The debt was paid or excused.
• The debt was partially paid.
• You were a co-signer but were not informed of your obligation.

SoloSuit makes it easy to make the right defense, the right way.

These are examples of affirmative defenses acceptable in court. Being unable to pay the debt is not a legal defense and may harm your case.

3. File the answer with the court and serve the plaintiff

Filing an Answer can be the most difficult part of responding to a Summons for debt collection. California courts require defendant debtors who don't have an attorney to file the Answer by mail or in person. So, here's what you need to do:

• Print two copies of your Answer.
• Mail one copy to the court.
• Pay the filing fee to the court.
• Mail the other copy to the plaintiff's attorney.

SoloSuit can file your Answer for you and serve the opposing party.

The address for both should be in the Summons and Complaint you received in the mail. The attorney's address should be on the top left of the first page. The court's address should be in the first two paragraphs.

Pay the California Answer filing fee

California courts charge a mandatory filing fee to file your papers with the courts. Unfortunately, California also charges the highest filing fees in the nation; they range from $225–$450. SoloSuit calculates the fee for you and makes sure it gets to the court. The following is a breakdown of California civil filing fees:

California Answer Filing Fees

County	Debt amount: $0 to $10K	Debt amount: $10,000.001 to $35K	Debt amount: $35,000.001 or more
Riverside	$225	$395	$450
San Bernardino	$240	$380	$435
San Francisco	$225	$370	$450
All other counties	$225	$370	$435

Watch this video to learn more about filing fees in California:

After filing your response, serve a copy to the plaintiff within thirty days. You can send it to the creditor or their lawyer. Ensure the person who delivers the response fills out a proof of service by mail. Send a copy of this form to the court after confirming delivery. There are several courts throughout California that do not accept Answers without a proof of service. SoloSuit has done the preliminary research to know which courts require a proof of service, and this form will be included with your Answer if you file through SoloSuit.

Fill out a fee waiver form if you cannot afford to pay the filing fee

In some cases, a person may not have the money to pay the filing fee because they earn a low income. The courts allow you to apply for a waiver. You can qualify for a waiver if:

• You receive public benefits such as food stamps (CalFresh), general assistance, cal-works, and Medi-Cal.
• Your overall income before taxes is less than the amount listed in the waiver form FW-001 section 5b.
• The court concludes that you don't have the money to pay for your basic needs in addition to the court fees.

If you fall in the above category, make an official request by filling in Form FW-001. Follow these steps to successfully complete a fee waiver application in California:

1. Read the entire document and ensure you understand the requirements.
2. Fill out the form as you read each section carefully. Use this instruction form that highlights key areas that need special attention.
3. Sign the form in the section labeled penalty of perjury. Ensure the information you enter is truthful and can be verified.
4. Print out two copies.
5. Submit the request to the court clerk, and they will tell you if the court accepts it.
6. Submit your FW-001 form with a FW-003. This is the court's order that will be signed by the judge, so you only need to include your case information at the top of the form and leave the rest blank for the court to process. Many courts will deny a fee waiver if the fee waiver request is not submitted with the fee waiver order.

If the courts grant your request to waive filing fees, your other documents will be accepted and filed without the associated fees, and the court process will continue. Afterward, you can decide if you prefer to negotiate with the creditor out of court or proceed to court. If you take the case to court and win the lawsuit, you may be asked to pay the waived court fees after receiving compensation.

Use these other documents to win your debt collection lawsuit

SoloSuit can help you with the next step after answering a Summons and Complaint. You can send our Motion to Compel Arbitration to the creditor, which compels them to follow through with the arbitration clause in the contract. You can also send a debt settlement offer, which requests the creditor or debt buyer to settle the debt out of court. Our customizable documents help you solve your debt issues without a lawyer.

Make a Motion to Compel Arbitration in California

Making a motion to compel arbitration can be a powerful tool in a credit card debt case. Check your credit card agreement for an arbitration clause. If it's there, consider asking the court to move the case out of the traditional legal process and into arbitration.

To make a motion to compel arbitration in California, follow these steps:

1. Draft the Motion: Use a tool like SoloSuit or draft a motion to compel arbitration yourself. Ensure that the motion clearly establishes the existence of a valid arbitration agreement.
2. File the Motion: Pay the filing fee, which is $60 in California. Submit the motion to the court and serve a copy to the opposing party.
3. Respond to Objections: Be prepared for the opposing party to contest the motion. They might argue that the arbitration agreement is invalid or unenforceable. You’ll need to provide evidence supporting the validity and applicability of the arbitration clause in your credit card agreement.
4. Court Review: The court will examine the submissions from both parties to decide if the dispute should indeed be moved to arbitration based on the arbitration agreement and California law, which generally favors enforcing such agreements.
5. Serve the Opposing Party: Once the motion is filed, serve it to the opposing party to formally notify them of your intent to seek arbitration.

There are several benefits to arbitration, such lower costs, faster resolution, and confidentiality. If you're dealing with a collection agency, there is a good chance they would rather drop the case than continue to pursue the debt through arbitration. However, if your arbitration clause states that you are responsible for arbitration costs, you may end up paying a pretty penny on top of your debt amount. So be sure you are fully informed on the potential outcomes, namely the cost, of arbitration before you file a motion to compel arbitration in California.

To learn more about how arbitration might benefit you in a credit card debt lawsuit, check out this video interview with a California attorney who shares her thoughts on arbitration:

If arbitration isn't an option in your California debt collection case, you might consider debt settlement as a path to resolve the matter for good.

Settle debt in California

Debt settlement means you pay off a portion of your debt, usually in a lump-sum payment, to clear your name of the debt and resolve it for good. Settlement can be a great option for both debtors and creditors because it helps debtors save money, but it also gets creditors at least a portion of what they lent back. It usually involves negotiating with the law firm that represents your creditor or debt collector to settle for less and cut out attorney fees, court costs, and interest.

Negotiating with a lawyer might sound intimidating, right? Well, debt settlement doesn't have to be scary or hard. In fact, we've simplified the process into three powerful tips for you. To settle your debt in California before your court date, follow these three steps:

1. File an Answer into the case. This step prevents a default judgment against you and keeps your options open for negotiation. Even if you plan to settle from the beginning, it's important to file an Answer to block a default judgment and give yourself time for negotiating. SoloSuit can help you draft and file an Answer in California.


2. Make a fair offer. Assess your finances to determine how much you can afford to pay and make a settlement offer to kickstart negotiations. Debts typically settle for 40% to 60% of the total debt amount. However, it's not uncommon to settle for as low as 10% to 30%, especially if the debt is older or if it's been sold to a debt buyer. Evaluate your debt and make a fair offer. We typically recommend starting low to give yourself room for negotiation.


3. Get everything in writing. Once you reach an agreement, ensure the settlement terms are documented in writing. This protects you from any future claims on the same debt and in the case that the debt law firm changes its mind or goes back on its word. Here's an example of a debt settlement agreement, which is what you should file into your case.

We wanted to learn more about how to negotiate with creditors and debt collectors in California, so we interviewed a California debt attorney who shared some tips and tricks for debt settlement in the the Golden State. Check out the following video to watch the interview and learn how to resolve your California debt through settlement:

If the thought of negotiating with debt collectors, creditors, and debt lawyers scares you, you're not alone. That's why consumers everywhere are utilizing SoloSettle to negotiate debt settlement and put their debts behind them.

SoloSettle is a tech-driven approach to debt settlement and allows you to send and receive settlement offers until you've reached an agreement with your creditor or collector. Once you settle, SoloSettle will help you document the settlement legally in order to protect your rights and transfer your settlement payment to the collection agency for you, keeping your financial information secure and private.

Note that debt settlement will impact your credit score, and you may owe taxes on the amount forgiven.

California debt collection laws protect you

The Fair Debt Collection Practices Act applies to California residents and protects California consumers from unfair treatment by a debt collector. California also has a state-specific debt collection law known as the Rosenthal Fair Debt Collection Practices Act, which is outlined in Cal. Civ. Code § 1788 to 1788.33. This act is very similar to the federal FDCPA, but it adds to state-specific protections for consumers dealing with debt collectors.

Some of the specific actions prohibited under California debt collection laws include:

• Threatening to use physical force or harm one’s reputation to collect a debt.
• Falsely accusing a debtor of a crime or threatening legal actions that cannot legally be taken.
• Harassing a consumer with continuous calls or failing to properly identify oneself as a debt collector.
• Deceptively implying that the collector is an attorney or a government representative.

The Rosenthal Act also requires collectors to notify consumers if the debt is past the statute of limitations and clarifies that such debts cannot be pursued through legal actions, though they may still impact a consumer's credit rating.

Check the statute of limitations on debt in California before settling

Before you agree to pay off a debt or settle in California, be sure to check the statute of limitations on your debt. If enough time has already passed, the lawsuit may be invalid, and it's up to you to make this information known in the lawsuit.

The statute of limitations is the deadline that debt collectors have to file a lawsuit to collect on a debt. If they don't sue within the statute of limitations, they don't have legal grounds to take legal action, and you can use this as a defense in your case to get it dismissed.

The statute of limitations on debt in California is four years for most types of debt. The following table further outlines the statute of limitations on mortgage debt and judgments in California:

Statute of Limitations on Debt in California

Debt Type	Deadline
Credit Card	4 years
Medical	4 years
Student Loan	4 years
Auto Loan	4 years
Mortgage	6 years
Personal Loan	6 years
Judgment	10 years
Findlaw

Check the status of your case in California

To check the status of your court case in California, you can visit the courthouse, call the court clerk, or find your case online.

Some courts do not have an online case search tool. If your case is filed in such a court, you can visit the courthouse or call the clerk to ask them to give you an update on your case. Just give the clerk your case number and name, and they will be able to find it in their system.

Many California courts offer a court case search tool so you can check the status of your case online without leaving the comfort of your own home or having to call and wait on hold. The following list contains California counties that offer case status updates online, complete with a link to the case search portal:

• Alameda
• Amador
• Butte
• Calaveras
• Del Norte
• Fresno
• Glenn
• Imperial
• Kings
• Lassen
• Los Angeles
• Madera
• Marin
• Mendocino
• Merced
• Modoc
• Monterey
• Napa
• Nevada
• Orange
• Placer
• Riverside
• Sacramento
• San Bernardino
• San Diego
• San Francisco
• San Joaquin
• San Mateo
• Santa Barbara
• Santa Clara
• Santa Cruz
• Shasta
• Siskiyou
• Solano
• Stanislaus
• Sutter
• Tulare
• Ventura
• Yuba

It's important to stay up to date on your case. Doing so will give you a better chance of resolving the matter or even winning the case. You'll be prepared for trials or hearings scheduled for your case and avoid losing the case for failure to show.

Find debt relief in California

California government programs offer debt relief and financial assistance to California residents dealing with debt problems. Consider these following government programs if you're looking for debt relief in California:

• Healthy Families program
• Homeowner Assistance
• Low ​Income Home Energy Assistance Program (LIHEAP)
• Low Income Household Water Assistance Program (LIHWAP)
• Community Services Block Grant (CSBG)
• California Earned Income Tax Credit (CalEITC)

You may also consider debt settlement, debt consolidation, or bankruptcy if you're seeking debt relief in California. Each of these options can help you start the path to debt resolution.

Stop Wage Garnishment in California

Wage garnishment may happen to you if you were sued for the debt and the court ordered a default judgment, summary judgment, or other type of judgment against you. This essentially means that you lost the court case and a credit card company or debt collector is taking legal action granted by a court order to take money directly from your paycheck.

In California, the wage garnishment limit is the lesser of 25% of your disposable earnings or 50% of the amount by which your earnings exceed 40 times the state hourly minimum wage, as outlined in Cal. Civ. Proc. Code § 706.050. As you can imagine, this can seriously impact your financial wellbeing and your ability to support yourself and your family. Luckily, there are ways to stop wage garnishment in California, and we're going to show you how below.

Settle your debt before a judgment is entered in the case

Instead of stopping wage garnishment, why not avoid it? Before the court orders a judgment against you, consider settling the debt. You can negotiate to pay a lump-sum amount that is less than the full debt. Many collection agencies are willing to settle for less, especially if they're a debt buyer like LVNV Funding or Midland Credit Management. Debt settlement can be a feasible option if you don't have enough to pay the debt in full but can manage a partial payment. Tools like SoloSettle can facilitate this process by helping you negotiate and manage settlement payments.

File a Claim of Exemption

If wage garnishment has already begun and it's making it impossible for you to meet your basic living expenses, you can file a claim of exemption. This legal document, if approved, can reduce or completely stop the garnishment. The court considers your financial situation and the needs of your dependents when determining eligibility for an exemption.

Fight the lawsuit

If you have evidence that you don't owe the debt, or that the amount claimed is incorrect, you should fight the lawsuit in court. In your Answer, dispute the creditor’s claims and present your defense by outlining the debt's invalidity. If you never got the chance to fight back because you never received notice of the lawsuit, consider filing a motion to set aside judgment. This motion asks the court to reconsider any judgments already entered in the case and give you another opportunity to respond and defend yourself.

File bankruptcy

Bankruptcy can also stop wage garnishment, but it should only be considered as a last resort because of its long-term effects on your credit score and financial status. Bankruptcy is a legal process that discharges your debts and gives you a fresh start.

File an Answer in your local court in California

We've listed all the courts in California where you might get sued for debt. Find your local court below to start filing your Answer there. Good luck!

• Superior Court of California, County of Alameda, Administration Building
• Superior Court of California, County of Alameda, Berkeley Courthouse
• Superior Court of California, County of Alameda, East County Hall of Justice
• Superior Court of California, County of Alameda, Fremont Hall of Justice
• Superior Court of California, County of Alameda, George E. McDonald Hall of Justice
• Superior Court of California, County of Alameda, Hayward Hall of Justice
• Superior Court of California, County of Alameda, Rene C. Davidson Courthouse
• Superior Court of California, County of Alameda, Wiley W. Manuel Courthouse
• Superior Court of California, County of Alpin
• Superior Court of California, County of Amador
• Superior Court of California, County of Butte, North Butte County Courthouse
• Superior Court of California, County of Calaveras
• Superior Court of California, County of Colusa, Courthouse Annex
• Superior Court of California, County of Colusa
• Superior Court of California, County of Contra Costa, A. F. Bray Courthouse
• Superior Court of California, County of Contra Costa, Richard E. Arnason Justice Center
• Superior Court of California, County of Contra Costa, Richmond Superior Court, George D. Carroll Courthouse
• Superior Court of California, County of Contra Costa, Spinetta Family
• Superior Court of California, County of Contra Costa, Wakefield Taylor Courthouse
• Superior Court of California, County of Contra Costa, Walnut Creek Superior Court
• Superior Court of California, County of Del Norte
• Superior Court of California, County of El Dorado, Cameron Park Branch
• Superior Court of California, County of El Dorado, Placerville Building C Branch
• Superior Court of California, County of El Dorado, Placerville Fair Lane Branch
• Superior Court of California, County of El Dorado
• Superior Court of California, County of Fresno, B. F. Sisk Courthouse
• Superior Court of California, County of Fresno, Downtown Location
• Superior Court of California, County of Fresno, M Street Courthouse
• Superior Court of California, County of Fresno, South Lake Tahoe Branch
• Superior Court of California, County of Glenn, Collections Division
• Superior Court of California, County of Glenn, Main Courthouse
• Superior Court of California, County of Glenn, Orland Courthouse
• Superior Court of California, County of Humboldt
• Superior Court of California, County of Imperial, Brawley Courthouse
• Superior Court of California, County of Imperial, El Centro Courthouse
• Superior Court of California, County of Imperial, Winterhaven Court
• Superior Court of California, County of Inyo, Bishop Courthouse
• Superior Court of California, County of Inyo, Independence Courthouse
• Superior Court of California, County of Kern, Airport Courthouse
• Superior Court of California, County of Kern, Delano Branch
• Superior Court of California, County of Kern, Justice Building
• Superior Court of California, County of Kern, Lamont Branch
• Superior Court of California, County of Kern, Metro Division
• Superior Court of California, County of Kern, Metro Traffic Division
• Superior Court of California, County of Kern, Mojave Branch
• Superior Court of California, County of Kern, Ridgecrest Branch
• Superior Court of California, County of Kern, Kern River Branch
• Superior Court of California, County of Kern, Shafter Branch
• Superior Court of California, County of Kern, Taft Branch
• Superior Court of California, County of Kings
• Superior Court of California, County of Lake, Clearlake Branch
• Superior Court of California, County of Lake, Lakeport Division
• Superior Court of California, County of Lassen, Hall of Justice
• Superior Court of California, County of Los Angeles, Alhambra Courthouse
• Superior Court of California, County of Los Angeles, Bellflower Courthouse
• Superior Court of California, County of Los Angeles, Beverly Hills Courthouse
• Superior Court of California, County of Los Angeles, Burbank Courthouse
• Superior Court of California, County of Los Angeles, Catalina Courthouse
• Superior Court of California, County of Los Angeles, Central Arraignment Courthouse
• Superior Court of California, County of Los Angeles, Central Civil West Courthouse
• Superior Court of California, County of Los Angeles, Chatsworth Courthouse
• Superior Court of California, County of Los Angeles, Compton Courthouse
• Superior Court of California, County of Los Angeles, Downey Courthouse
• Superior Court of California, County of Los Angeles, East Los Angeles Courthouse
• Superior Court of California, County of Los Angeles, El Monte Courthouse
• Superior Court of California, County of Los Angeles, Glendale Courthouse
• Superior Court of California, County of Los Angeles, Governor George Deukmejian Courthouse
• Superior Court of California, County of Los Angeles, Inglewood Courthouse
• Superior Court of California, County of Los Angeles, Metropolitan Courthouse
• Superior Court of California, County of Los Angeles, Michael Antonovich Antelope Valley Courthouse
• Superior Court of California, County of Los Angeles, Norwalk Courthouse Southeast District
• Superior Court of California, County of Los Angeles, Pasadena Courthouse
• Superior Court of California, County of Los Angeles, Pomona Courthouse South
• Superior Court of California, County of Los Angeles, San Fernando Courthouse
• Superior Court of California, County of Los Angeles, Santa Clarita Courthouse
• Superior Court of California, County of Los Angeles, Santa Monica Courthouse
• Superior Court of California, County of Los Angeles, Spring Street Courthouse
• Superior Court of California, County of Los Angeles, Stanley Mosk Courthouse
• Superior Court of California, County of Los Angeles, Torrance Courthouse
• Superior Court of California, County of Los Angeles, Van Nuys Courthouse East
• Superior Court of California, County of Los Angeles, Van Nuys Courthouse West
• Superior Court of California, County of Los Angeles, West Covina Courthouse
• Superior Court of California, County of Los Angeles, Whittier Courthouse
• Superior Court of California, County of Madera, Main Courthouse
• Superior Court of California, County of Marin, Hall of Justice
• Superior Court of California, County of Mariposa, Historic Courthouse
• Superior Court of California, County of Mendocino, Mendocino Courthouse
• Superior Court of California, County of Mendocino, Ten Mile Branch
• Superior Court of California, County of Merced
• Superior Court of California, County of Merced, New Merced Courthouse
• Superior Court of California, County of Merced, Old Merced Courthouse
• Superior Court of California, County of Merced, Robert M. Falasco Justice Center
• Superior Court of California, County of Mono, Bridgeport Courthouse
• Superior Court of California, County of Mono, Mammoth Lakes Courthouse
• Superior Court of California, County of Monterey
• Superior Court of California, County of Monterey, Marina Courthouse
• Superior Court of California, County of Monterey, Monterey Courthouse
• Superior Court of California, County of Monterey, Salinas Courthouse
• Superior Court of California, County of Napa, Historic Courthouse
• Superior Court of California, County of Napa
• Superior Court of California, County of Nevada, Nevada City Courthouse
• Superior Court of California, County of Nevada, Truckee Courthouse
• Superior Court of California, County of Orange, Central Justice Center
• Superior Court of California, County of Orange, Lamoreaux Justice Center
• Superior Court of California, County of Orange, North Justice Center
• Superior Court of California, County of Orange, West Justice Center
• Superior Court of California, County of Placer, Historic Auburn Courthouse
• Superior Court of California, County of Placer, Howard G. Gibson Courthouse
• Superior Court of California, County of Placer, Tahoe Courthouse
• Superior Court of California, County of Plumas
• Superior Court of California, County of Riverside, Banning Justice Center
• Superior Court of California, County of Riverside, Blythe Courthouse
• Superior Court of California, County of Riverside, Corona Courthouse
• Superior Court of California, County of Riverside, Hall of Justice
• Superior Court of California, County of Riverside, Hemet Courthouse
• Superior Court of California, County of Riverside, Historic Courthouse
• Superior Court of California, County of Riverside, Larson Justice Center
• Superior Court of California, County of Riverside, Moreno Valley Courthouse
• Superior Court of California, County of Riverside, Palm Springs Courthouse
• Superior Court of California, County of Riverside, Southwest Justice Center
• Superior Court of California, County of Riverside, Temecula Courthouse
• Superior Court of California, County of Sacramento, Carol Miller Justice Center
• Superior Court of California, County of Sacramento, Gordon D. Schaber Downtown Courthouse
• Superior Court of California, County of Sacramento, Hall of Justice
• Superior Court of California, County of Sacramento, Lorenzo Patino Hall of Justice
• Superior Court of California, County of Sacramento, William R. Ridgeway Courthouse
• Superior Court of California, County of Sacramento
• Superior Court of California, County of San Bernardino, Barstow District
• Superior Court of California, County of San Bernardino, Big Bear District
• Superior Court of California, County of San Bernardino, Central Justice Center
• Superior Court of California, County of San Bernardino, Fontana District
• Superior Court of California, County of San Bernardino, Joshua Tree District
• Superior Court of California, County of San Bernardino, Needles District
• Superior Court of California, County of San Bernardino, Rancho Cucamonga Court
• Superior Court of California, County of San Bernardino, Victorville District
• Superior Court of California, County of San Bernardino
• Superior Court of California, County of San Diego, Central Courthouse
• Superior Court of California, County of San Diego, East County
• Superior Court of California, County of San Diego, Hall of Justice
• Superior Court of California, County of San Diego, Kearny Mesa
• Superior Court of California, County of San Diego, North County
• Superior Court of California, County of San Diego, South County
• Superior Court of California, County of San Francisco, Civic Center Courthouse
• Superior Court of California, County of San Francisco, Hall of Justice
• Superior Court of California, County of San Francisco, Polk Street Annex
• Superior Court of California, County of San Joaquin, Lodi Branch Department L 1
• Superior Court of California, County of San Joaquin, Lodi Branch Department L 2
• Superior Court of California, County of San Joaquin, Manteca Branch
• Superior Court of California, County of San Joaquin, Stockton Courthouse
• Superior Court of California, County of San Luis Obispo, Grover Beach Branch
• Superior Court of California, County of San Luis Obispo, Paso Robles Branch
• Superior Court of California, County of San Luis Obispo, Veterans Memorial Branch
• Superior Court of California, County of San Luis Obispo
• Superior Court of California, County of San Mateo, Northern Branch
• Superior Court of California, County of San Mateo, Southern Branch, Hall of Justice and Records
• Superior Court of California, County of San Mateo
• Superior Court of California, County of Santa Barbara, Anacapa Division
• Superior Court of California, County of Santa Barbara, Cook Division
• Superior Court of California, County of Santa Barbara, Figueroa Division
• Superior Court of the State of California in and for the County of Santa Barbara Limited
• Superior Court of California, County of Santa Barbara, Lompoc
• Superior Court of California, County of Santa Barbara, Miller Division
• Superior Court of California, County of Santa Barbara, Solvang
• Superior Court of California, County of Santa Barbara
• Superior Court of California, County of Santa Clara, Santa Clara Courthouse
• Superior Court of California, County of Santa Clara, Downtown Superior Court
• Superior Court of California, County of Santa Clara, Hall of Justice
• Superior Court of California, County of Santa Clara, Old Courthouse
• Superior Court of California, County of Santa Clara, Palo Alto Courthouse
• Superior Court of California, County of Santa Clara, South County Courthouse
• Superior Court of California, County of Santa Clara
• Superior Court of California, County of Santa Cruz, Santa Cruz Courthouse
• Superior Court of California, County of Santa Cruz
• Superior Court of California, County of Shasta, Main Courthouse
• Superior Court of California, County of Sierra, District 3
• Superior Court of California, County of Siskiyou, Yreka Court
• Superior Court of California, County of Solano, Hall of Justice
• Superior Court of California, County of Solano, Justice Building
• Superior Court of California, County of Solano, Law and Justice
• Superior Court of California, County of Solano, Old Solano Courthouse
• Superior Court of California, County of Sonoma, Empire College Annex
• Superior Court of California, County of Sonoma, Hall of Justice
• Superior Court of California, County of Sonoma
• Superior Court of California, County of Stanislaus, City Towers Courthouse
• Superior Court of California, County of Stanislaus, Main Courthouse
• Superior Court of California, County of Stanislaus, Turlock Division
• Superior Court of California, County of Stanislaus
• Superior Court of California, County of Sutter
• Superior Court of California, County of Tehama, Tehama Court
• Superior Court of California, County of Trinity, Weaverville Courthouse
• Superior Court of California, County of Tuolumne, Historic Courthouse
• Superior Court of California, County of Tuolumne, Washington Street Facility
• Superior Court of California, County of Tulare, Dinuba Courthouse
• Superior Court of California, County of Tulare, Porterville South County Justice Center
• Superior Court of California, County of Tulare, Visalia County Civic Center
• Superior Court of California, County of Tulare
• Superior Court of California, County of Ventura, East County Courthouse
• Superior Court of California, County of Ventura, Hall of Justice
• Superior Court of California, County of Ventura
• Superior Court of California, County of Yolo
• Superior Court of California, County of Yuba

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

Frequently asked questions about answering a debt collection summons in California

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We're making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• ABC Financial Club Charge
• Ability Recovery Services
• Absolute Resolutions Investments
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Ace Cash Express
• ACEI Collections
• ACS Ed Services
• Ad Astra Recovery Services
• Advanced Recovery Systems
• Advantage Collection Professionals
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Allied Collection Services
• Alltran Financial
• Alorica Inc.
• Alpha Recovery Corp
• Amcol Systems
• American Credit Acceptance
• American Coradius International
• American Express
• American Express
• American Express
• American Recovery Service
• Americollect
• Americollect
• Amerifinancial Solutions
• AmSher Collection Services
• Apelles LLC
• Apex Asset Management
• Arcadia Recovery Bureau
• Armada Corp
• A.R.M. Solutions
• Arnold Scott Harris
• AR Resources
• Arrow Financial Services
• AscensionPoint Recovery Services
• American Profit Recovery
• ARC Collections
• ARS National Services
• ARstrat
• ASG Recovers
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Avante USA
• Atradius Collections
• Automated Collection Services Inc.
• Autovest LLC
• AWA Collections
• Balanced Healthcare Receivables
• Bank of America
• Bank of America
• Barclay
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Best Buy Credit Card
• Blitt & Gaines
• Bluebonnet Financial LLC
• Bonneville Collections
• Brock and Scott PLLC
• Brown and Joseph
• Bull City Financial
• The Bureaus Inc.
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• Capital One
• Capital One
• CardWorks
• Carter Young Collections
• Cascade Receivables Management
• Cavalry SPV I LLC
• CCB Credit Services
• CCB Springfield IL
• CBCS Collections
• CBE Group
• CBM Services
• CBV Collections
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Chase
• Choice Recovery
• Citibank
• Citibank
• CKS Financial
• CKMS
• Client Services
• CMRE Financial Services
• Coast Professional
• Consumer Collection Management
• Consumer Portfolio Services
• Comenity Bank Debt Collection
• Commercial Acceptance Company
• Commonwealth Financial
• Commonwealth Financial Systems
• ConServe Debt Collection
• Contract Callers Inc
• Collection Bureau of Hudson Valley
• Colinfobur
• Couch Lambert
• CRDT First
• Credence Resource Management
• Credence Resource Management
• Credco
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit One Bank
• Credit Systems International
• Crown Asset Management
• CSIEZPay
• C Tech
• CVCS
• D&A Services
• Daniels Norelli Cecere & Tavel P.C.
• DCM Services
• Delta Outsource Group
• Department Stores National Bank
• Designed Receivable Solutions
• Discover
• Discover
• Discover Collections
• Direct Recovery Associates
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Accounts Group Inc.
• Eagle Loan of Ohio
• Eastern Revenue Settlement
• Eastern Account System
• EduCap
• Encore Capital Group
• EOS CCA
• Equable Ascent Financial
• Equinox Collections
• ER Solutions
• Estate Information Services
• Everest Business Funding
• Evergreen Professional
• Express Recovery
• Faber and Brand
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• Financial Recovery Services
• First Financial Bank
• First Federal Credit Credit Control
• First Financial Asset Management
• FirstPoint Collection Resources
• FirstPoint Coll Resources Inc.
• First Portfolio Ventures LLC
• Firstsource Advantage
• First Progress
• FNB Omaha
• FMA Alliance
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Frontline Asset
• Frost Arnett
• Galaxy International Purchasing LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Lending Services
• Global Payments Check Services
• Global Trust Management
• GLA Collections
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel Law Firm
• H&R Accounts
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Credit Solutions
• Howard Lee Schiff
• HRRG Collections
• Hudson & Keyse LLC
• Hunt and Henriques
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• InPhyNet Contracting Services
• Integras Capital Recovery LLC
• IQ Data
• Javitch Block
• Jefferson Capital Systems LLC
• JHPDE Finance 1 LLC
• Johnson Mark LLC
• JPMCB Card
• JP Receivables Management Partners
• Kenneth Eisen and Associates
• KeyBank Student Loan
• Kinum
• Kirschenbaum Phillips & Levy PC
• KLS Financial Services
• Knight Adjustment Bureau
• Kramer & Frank
• Lakeside Collection
• Law Office of Michael J Scott
• Lending Club Charge Off
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• LJ Ross Associates
• Lockhart Collection Agency
• Lockhart Morrand Montgomery
• Love Beal and Nixon
• LTD Collections
• LVNV
• LVNV Funding
• Malen & Associates
• Mandarich Law Group
• Marcam Associates
• Mariner Finance
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy Burgess & Wolff
• Meade & Associates
• Medical Data Systems
• Mercantile Adjustment Bureau
• Merchants Credit Association
• Merchants' Credit Guide
• MGM
• Michael J Adams PC
• Midland Funding
• Midland Funding LLC
• Mid-South Adjustment
• MiraMed Revenue Group
• Monarch Recovery
• Monterey Financial
• Moore Law Group
• Moss Law Firm
• Mountain Land Collections
• Moxley and Associates
• MRS Associates
• MRS BPO
• MSCB Inc.
• MSW Capital LLC
• Mullooly Jeffrey Rooney & Flynn
• Nathan and Nathan PC
• National Credit Adjusters
• National Credit Systems
• National Collegiate Trust
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nations Recovery Center
• National Service Bureau Collections
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• Northland Group
• Northstar Location Services
• Navient
• Navy Federal
• NCB Management Services
• NCEP LLC
• NCO Financial Systems Incorporated
• Nelson and Kennard
• North American Recovery
• Northstar Capital Acquisition
• NPAS Solutions
• Online Information Services
• OneMain Financial
• Old Navy Credit Card Debt
• Oliphant Financial LLC
• Oportun
• P&B Capital Group
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Paragon Revenue Group
• Paramount Recovery
• PayPal Synchrony Card
• Payliance Collections
• PCB Collections Agency
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Pharia LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pinnacle Collections Agency
• Pioneer Credit Recovery
• PlusFour Collections
• Portfolio Recovery
• Portfolio Recovery Associates
• Portfolio Recovery Associates
• PRA Group Inc.
• Prestige Services Inc.
• Prince Parker and Associates
• ProCollect
• Professional Credit Service
• Professional Debt Mediation
• Professional Finance Company
• Progressive Management Systems
• Puget Sound Collections
• ProVest LLC
• PYOD LLC
• RAB Collection Agency
• Radius Global SOL
• Radius Global Solutions
• Rash Curtis and Associates
• RAS LaVrar
• Rausch Sturm
• The Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Management Services
• Receivables Performance Management
• Receivable Solutions
• Recovery Solutions
• Regional Finance
• Reliant Capital Solutions
• Rent Recovery Solutions
• Resurgent Capital Services
• Resurgent Capital Services
• Retailers National Bank
• Reunion Student Loan Finance Corporation (ZuntaFi)
• Revco Solutions
• Revenue Enterprises LLC
• RFGI
• RGS Financial Inc.
• RMP LLC
• RMP Services
• Rock Creek Capital
• RS Clark and Associates
• RSIEH
• RSI Enterprises
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• SCA Collections
• Scott and Associates
• Second Round Collections
• Second Round Sub LLC
• Security Credit Services
• Selip & Stylianou LLP
• Sentry Credit
• Sequium Asset Solutions
• Sessoms and Rogers
• SIMM Associates
• Source Receivables Management
• South District Group
• Southern Management Systems
• Southwest Credit Systems
• Southwest Recovery Services
• Spire Recovery Solutions
• Summit Account Resolution
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger PC
• Stephen Einstein
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM
• Suttell and Hammer
• Swift Funds Financial
• Synchrony Bank
• Synchrony Walmart Card
• Synergetic Communication
• Synerprise Consulting
• SYNCB
• Target National Bank
• Tek-Collect Inc
• Transworld Systems Inc
• Trellis Company
• Trident Asset Management
• Troy Capital
• TRS Recovery Services
• TrueAccord
• UCB Collection
• UCB Collection
• UCHealth
• UHG 1 LLC
• Unifin
• Unifin
• Unifund
• United Collection Bureau
• United Recovery Systems
• Universal Credit Services
• USAA Collections
• US Bank Collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Velocity Investments LCC
• Velo Law Office
• Viking Client Services
• Virtuoso Sourcing Group
• Wakefield and Associates
• Waypoint Resource Group
• WebBank
• Weinberg and Associates
• Wells Fargo
• Wells Fargo Bank
• Westlake Financial
• Weltman Weinberg & Reis
• West Central Texas Collection Bureau
• Westlake Portfolio Management
• Westwood Funding
• WFDS
• Wilber and Associates
• Williams and Fudge
• Wilshire Consumer Credit
• Works and Lentz
• Worldwide Asset Purchasing
• Zarzaur & Schwartz
• Zwicker & Associates

Arbitration

If the thought of going to court stresses you out, you're not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How Credit Card Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration
• What Happens in Arbitration?

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

• Can You Sue Someone Who Has Filed Chapter 7 Bankruptcy?
• How to File Bankruptcy for Free Without an Attorney
• How to File Chapter 13 Without an Attorney
• Pros and Cons of Chapter 7 Bankruptcy
• Should I File Bankruptcy Before or After a Judgment?
• The Pros and Cons of Chapter 13 Bankruptcy
• Will Bankruptcy Stop a Judgment?

Check your case status

Don't have time to go to your local courthouse to check the status of your case? We've created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

• Alabama Court Case Search—Find Your Lawsuit
• Arizona Court Case Search - Find Your Lawsuit
• Arkansas Court Case Search — Find Your Lawsuit
• California Court Case Search- Find Your Lawsuit
• Colorado Court Case Search — Find Your Lawsuit
• Connecticut Case Lookup — Find Your Court Case
• Delaware Court Case Search — Find Your Lawsuit
• Florida Court Case Search — Find Your Lawsuit
• Georgia Court Case Search — Find Your Lawsuit
• Illinois Court Case Search — Find Your Lawsuit
• Indiana Court Case Search — Find Your Lawsuit
• Illinois Court Case Search — Find Your Lawsuit
• Indiana Court Case Search — Find Your Lawsuit
• Kansas Court Case Search — Find Your Lawsuit
• Kentucky Court Case Search — Find Your Lawsuit
• Louisiana Court Case Search — Find Your Lawsuit
• Maryland Court Case Search — Find Your Lawsuit
• Massachusetts Court Case Search — Find Your Lawsuit
• Michigan Court Case Search — Find Your Lawsuit
• Mississippi Court Case Search — Find Your Lawsuit
• Missouri Court Case Search — Find Your Lawsuit
• Nebraska Court Case Search — Find Your Lawsuit
• Negotiate Debt With Crown Asset Management
• Nevada Court Case Search — Find Your Lawsuit
• New Hampshire Court Case Search — Find Your Lawsuit
• New Jersey Court Case Search—Find Your Lawsuit
• New York Case Search — Find Your Lawsuit
• North Carolina Court Case Search — Find Your Lawsuit
• Ohio Court Case Search — Find Your Lawsuit
• Oklahoma Court Case Search — Find Your Lawsuit
• Oregon Court Case Search — Find Your Lawsuit
• Pennsylvania Court Case Search — Find Your Lawsuit
• South Carolina Court Case Search — Find Your Lawsuit
• Tennessee Court Case Search — Find Your Lawsuit
• Texas Court Case Search — Find Your Lawsuit
• Utah Court Case Search — Find Your Lawsuit
• Vermont Court Case Search — Find Your Lawsuit
• Virginia Court Case Search — Find Your Lawsuit
• Washington Court Case Search — Find Your Lawsuit
• West Virginia Court Case Search — Find Your Lawsuit
• Wisconsin Court Case Search — Find Your Lawsuit

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

• 3 Crazy Credit Card Debt Stories
• Beware of Credit Repair Advance Fees
• Can a Credit Card Company Sue Me?
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can You Go to Jail for Credit Card Debt?
• Credit Card Debt Forgiveness Because of Disability
• Credit Card Debt Statistics
• Credit Repair Scam
• How I Won My Credit Card Debt Lawsuit (Interview)
• How Long Do Creditors Have to Collect a Debt from an Estate?
• How Often Do Credit Card Companies Sue for Non-Payment?
• How Often Does Merrick Bank Increase Your Credit Limit?
• How to Liquidate Credit Cards Into Cash
• How to Raise My Credit Score 40 Points Fast
• How to Remove Avantus From Your Credit Report
• How to Remove CBCInnovis From Your Credit Report
• How to Remove Fox Collection Center From Your Credit Report
• How to Walk Away from Credit Card Debt
• Is Credit Karma Accurate?
• Respond to a Summons for Credit Card Debt
• Should I Use Credit Journey?
• Stop Paying Credit Card Debt and Stop Worrying About It
• Summary of the Equifax Data Breach Settlement
• Tips for Leaving the Country With Unpaid Credit Card Debt
• Understanding myFICO: Your Gateway to Better Credit
• What Bank Is Behind Best Buy's Credit Card?
• What Bank is Milestone Credit Card With?
• What Bank Issues Kohl's Credit Card?
• What Bank Owns Old Navy Credit Card?
• What Credit Bureau does Aqua Finance Use?
• What Credit Bureau Does Truliant Use?
• What Does Credit Glory Do?
• What Does "DLA" Mean on a Credit Report?
• What is a Credit Inquiry Factual Data?
• What Is a Creditor Legally Required to Do if You Dispute a Debt?
• What Is A Good Credit Score For Businesses?
• What Is Assetcare on My Credit Report?
• What is CBNA on my credit report?
• What Is COAF On My Credit Report? How to Settle Debt
• What is CreditFresh?
• What is Factual Data On My Credit Report?
• Which Bank Does Macy's Credit Card Use?
• Why is THD/CBNA on my credit report?

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

• Am I Responsible for My Husband's Debts If We Divorce?
• Am I Responsible for My Parent's Debt if I Have Power of Attorney?
• Can a Collection Agency Add Fees on the Debt?
• Can a Collection Agency Charge Interest on a Debt?
• Can a Debt Collector Freeze Your Bank Account?
• Can a Debt Collector Leave a Voicemail?
• Can a Debt Collector Take My Car in California?
• Can Debt Collectors Call From Local Numbers?
• Can Debt Collectors Call You at Work in Texas?
• Can Debt Collectors Call Your Family?
• Can Debt Collectors Leave Voicemails?
• Can Debt Collectors Lie to You?
• Can I Pay a Debt Before the Court Date?
• Can I Rent an Apartment if I Have Debt in Collection?
• Can You Appeal a Default Judgement?
• Can You Get Unemployment if You Quit?
• Can You Go to Jail for a Payday Loan?
• Can You Record a Call with a Debt Collector in Your State?
• Can You Serve Someone with a Collections Lawsuit at Their Work?
• Do Debt Collectors Ever Give Up?
• Does a Living Trust Protect Your Assets from Lawsuits?
• Does Chase Sue for Credit Card Debt?
• Does Debt Consolidation Have Risks?
• Does Midland Funding Show Up to Court?
• Do I Need a Debt Collection Defense Attorney?
• Do I Need a Debt Negotiator?
• Do Student Loans Go Away After 7 Years?
• How Does a Flex Loan Work?
• How Does Debt Assignment Work?
• How Does Finwise Bank Work?
• How does Navy Credit debt forgiveness work?
• How Does Payments.tsico Work?
• How Do I Find Out If I Have Any Judgments Against Me?
• How Do I Get Rid of a Judgment Lien on My Property?
• How Do You Demonstrate Financial Hardship?
• How long do debt collectors take to respond to debt validation letters?
• How Long Does a Judgment Last?
• How Long Does a Judgment Last in Florida?
• How Long Does a Judgment Last in NY?
• How Long Does a Judgment Stay Last in Texas?
• How Long Does a Judgment Stay on Your Credit Report?
• How Long Does a Levy Stay on a Bank Account?
• How Long Does A RentGrow Dispute Take?
• How Long is a Judgment Good For in California?
• How Many Calls from a Debt Collector is Considered Harassment?
• How Many Times Can a Judgment Be Renewed in North Carolina?
• How Many Times Can a Judgment be Renewed in Oklahoma?
• How Much Do Collection Agencies Pay for Debt?
• How Should You Respond to the Theft of Your Identity?
• Is it Legal for Debt Collectors to Call Family Members?
• Is it Smart to Consolidate Debt?
• Is My Case in the Right Venue?
• Is Severance Pay Taxable?
• Is SoloSuit Worth It?
• Is Someone with Power of Attorney Responsible for Debt After Death?
• Is the NTB Credit Card Safe?
• Is There a Judgment Against Me Without my Knowledge?
• Should I Hire a Civil Litigation Attorney?
• Should I Hire a Litigation Attorney?
• Should I Marry Someone With Debt?
• Should I Pay Off an Old Apartment Debt?
• Should I Send a Demand Letter Before a Lawsuit?
• Should You Communicate with a Debt Collector in Writing or by Telephone?
• SoloSuit FAQ
• What Does a Debt Collector Have to Prove in Court?
• What Does Payment Deferred Mean?
• What Happens After a Motion for Default Is Filed?
• What Happens After I File an Answer to My Debt Lawsuit?
• What Happens If Someone Sues You and You Have No Money?
• What Happens If You Ignore a Debt Collector?
• What Happens If You Never Answer Debt Collectors?
• What Happens When a Debt Is Sold to a Collection Agency
• What Happens When You Get Served Papers for Debt?
• What Is a Rule 3.740 Collections Defense in California?
• What Is Debt Protection?
• What Is the Minimum Amount That a Collection Agency Will Sue For?
• What states require a professional licensing number for debt collectors?
• What Is T-Mobile's Phone Number for Debt Collection?
• When an LLC Fails What Happens to Its Debts?

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

• Debt Validation Letter Template
• Do 609 Letters Really Work?
• Here's a Sample Letter to Collection Agencies to Settle Debt
• How to Make a 609 Letter That Really Works
• How to Make a Debt Validation Letter - The Ultimate Guide
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Make a Motion to Dismiss
• How to Make a Motion to Lift Stay
• How to Make a Motion to Vacate Judgment
• How to Make Motion to Set Aside — Ultimate Guide
• How to send Santander a settlement letter
• How to Write a Hardship Letter
• How to Write a Re-Aging Debt Letter
• Sample Answer to Summons for Credit Card Debt Lawsuit
• Sample Cease and Desist Letter Against Debt Collectors
• Sample credit report dispute letter
• Sample Letter to Remove a Charge-Off from Your Credit Report
• Template Cease and Desist Letters to Debt Collectors
• Use this Sample Answer to Summons for Credit Card Debt
• When to Send a Judgment Proof Letter

Debt relief

We've created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

• Debt Relief Programs
• How to Access Free Debt Relief
• How to Get Credit Card Debt Relief
• How to Get Debt Relief in Alabama
• How to Get Debt Relief in Arizona
• How to Get Debt Relief in Kentucky
• How to Get Debt Relief in North Carolina
• How to Get Debt Relief in North Dakota
• How to Get Debt Relief in Ohio
• How to Get Debt Relief in Oklahoma
• How to Get Debt Relief in Oregon
• How to Get Debt Relief in Rhode Island
• How to Get Debt Relief in Texas
• How to Get Debt Relief (Ultimate 50 State Guide)
• How to Get Relief From a Gambling Debt
• If You Are Using a Debt Relief Agency Can You Settle Yourself with the Creditor?
• Obama Credit Card Debt Relief Program – How to Use It
• What Is Discover's 60/60 plan?
• What is Synchrony Bank's Hardship Program?
• Who is Over the Loan Forgiveness Program at KHESLC?

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We've created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

• 5 Signs of a Debt Settlement Scam
• Accredited Debt Relief Debt Settlement Reviews
• Best Debt Settlement Companies
• Brite Solutions Debt Settlement Reviews
• Can I Settle a Debt After Being Served?
• Can I Settle a Debt with the Original Creditor?
• Can I Still Settle a Debt After Being Served?
• Can You Settle a Warrant in Debt Before Court?
• Can You Settle Student Loan Debt?
• Century Debt Settlement Reviews
• CuraDebt Debt Settlement Review
• Debt Collectors Want to Settle Outside Court
• Debt Settlement Explained by a Lawyer
• Debt Settlement Pros and Cons
• Do I Need to Hire a Debt Settlement Lawyer?
• Do You Need a Debt Settlement Attorney in Houston Texas?
• Global Holdings Debt Settlement Reviews
• How Can I Settle My Credit Card Debt Before Going to Court?
• How Long Does It Take to Improve My Credit Score After Debt Settlement?
• How Much Do Settlement Companies Charge?
• How to File a Motion to Enforce Settlement Agreement
• How to Legally Settle Debt in 5 Steps
• How to Make a Cypress Financial Recoveries Settlement Offer
• How to Make a Debt Settlement Agreement
• How to Negotiate a Debt Settlement with a Law Firm
• How to Negotiate Credit Card Debt Settlement Yourself
• How to Negotiate Debt Settlement on Your Own
• How to Settle a Debt in Arizona
• How to Settle a Debt in Arkansas
• How to Settle a Debt in Colorado
• How to Settle a Debt in Delaware
• How to Settle a Debt in Florida
• How to Settle a Debt in Hawaii
• How to Settle a Debt in Idaho
• How to Settle a Debt in Illinois
• How to Settle a Debt in Kansas
• How to Settle a Debt in Kentucky
• How to Settle a Debt in Michigan
• How to Settle a Debt in Minnesota
• How to Settle a Debt in Mississippi
• How to Settle a Debt in Missouri
• How to Settle a Debt in Montana
• How to Settle a Debt in Nebraska
• How to Settle a Debt in Nevada
• How to Settle a Debt in New Hampshire
• How to Settle a Debt in New Jersey
• How to Settle a Debt in North Carolina
• How to Settle a Debt in Ohio
• How to Settle a Debt in Oklahoma
• How to Settle a Debt in Pennsylvania
• How to Settle a Debt in South Dakota
• How to Settle a Debt in Tennessee
• How to Settle a Debt in Texas
• How to Settle a Debt in Utah
• How to Settle a Debt in Wyoming
• How to Settle Debt for Pennies on the Dollar
• How to Settle Debt in 3 Steps
• If I Settle with a Collection Agency Will It Hurt My Credit?
• Infinite Law Group Debt Settlement Reviews
• Is Freedom Debt Relief a Scam?
• JG Wentworth Debt Settlement Reviews
• Largest Debt Settlement Companies
• National Debt Relief Debt Settlement Reviews
• New Era Debt Settlement Reviews
• Palisade Legal Group Debt Settlement Reviews
• Should I Settle a Collection or Pay in Full?
• TurboDebt Debt Settlement Reviews
• Turnbull Law Group Debt Settlement Reviews
• What Happens if I Reject a Settlement Offer?
• What Happens if You Don't Pay a Debt Settlement?
• What Happens When You Settle a Debt?
• What Is A Debt Settlement Agreement?
• What Percentage of a Debt is Typically Accepted in a Settlement?
• What Percentage Should I Offer to Settle Debt?
• What to Ask for in a Settlement Agreement

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

• How Long Does an Eviction Stay on Your Record?
• How to Drag Out an Eviction
• How to Fight an Eviction
• How to Make an Eviction Appeal
• Can an Eviction Be Reversed?
• Oregon Eviction Laws - What They Say
• Read This if You're Being Evicted With Children
• Received a 3-Day Eviction Notice? Here's What To Do
• What Happens if a Tenant Wins an Eviction Lawsuit?
• What to Say When You're in Court for Eviction
• When Is My Rent Due Legally?

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we've compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Credit Card Debt Forgiveness Act Explained
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• Sequium Class Action Lawsuit for FDCPA Violations Dismissed
• USC 15 Section 1662(b) Explained
• What Are My Debt Collection Rights?
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does FCRA stand for?

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

• 5 Legal Aid Organizations That Are Crushing It
• Acceleration Clause — Definition
• Bar Associations for All 50 States
• Certificate of Debt: A Definition
• Community Legal Services Provides Legal Aid to Florida Residents
• Countersuing a Company: A Step-By-Step Guide
• Defendant - Definition and Everything You Need to Know
• Difference Between a Trial and a Hearing
• Hearing Vs. Trial
• Fruit of the Poisonous Tree
• How to Find the Attorney That is Suing You (Secret)
• How to Dispute a False Positive Drug Test
• How to Fight a Motion for Relief From Automatic Stay
• How to File a Civil Answer in Kings County Supreme Court
• How to File a Civil Answer With the Duval Clerk of Courts - Florida
• How to File a Motion to Extend Time
• How to File a Motion to Set Aside Judgment
• How to File in Bergen County Superior Court
• How to File in Deschutes County Circuit Court
• How to File in Oregon Small Claims Court
• How To Fill Out the PLD-C-001
• How to get a case dismissed without prejudice on statute of limitations
• How to Hire a Mediator
• Can a Process Server Leave a Summons Taped to My Door?
• How to Satisfy a Judgment
• How to Use the Doctrine of Unclean Hands
• Irrevocable Agreement — Defined
• Lawsuit Deadline Calculator (The best one!)
• Legal Support Services for Debt Collection
• Mastriani Law Firm Review
• Mediation - Definition
• Motion for Default Judgment - Everything You Need to Know
• Motion for Summary Judgment — Definition
• Plaintiff vs Defendant — What's the difference
• Probable Cause Hearing — Definition
• Restitution – Definition
• Summons—Definition
• What Happens at a Motion for Summary Judgment Hearing?
• What Happens During Discovery?
• What Happens If a Defendant Does Not Pay a Judgment?
• What Happens If a Process Server Can't Serve You?
• What Happens If You Avoid Getting Served Court Papers?
• What If an Order for Default Was Entered?
• What If a Summons Was Served to the Wrong Person?
• What If the Wrong Defendant Is Named in a Lawsuit?
• What Is a Case Number?
• What is a Certificate of Judgment in Ohio?
• What Is a Certificate of Service?
• What Is a Civil Chapter 61 Warrant?
• What Is a Consent Judgment?
• What is a default judgment?— What do I do?
• What is a Lien Release on a Car?
• What Is a Motion to Strike?
• What Is a Motion to Suppress?
• What is an Affirmative Defense?
• What Is an Assignment of Debt?
• What Is an Attorney Malpractice Lawsuit?
• What Is a Nonsuit Without Prejudice?
• What Is a Preliminary Hearing?
• What Is a Request for Dismissal?
• What is a Stipulated Judgment?
• What Is a Warrant in Debt?
• What is it Called When You Represent Yourself in Court?
• What is Moral Turpitude?
• What is sewer service?
• What Is Summary Judgment?
• What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?
• What is the Status of My Case?
• What Personal Property Can Be Seized in a Judgment?
• What to Consider Before Signing a Stipulated Judgment The Ultimate Guide
• What to do when you get a fake court summons or phone call
• Why Being Judgment Proof Is Not a Defense to a Lawsuit
• Why Do Lawyers Charge So Much?
• Why Is the Sheriff Looking for Me?
• Why Would a Sheriff Come to My House with Papers?

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Can Medical Debt Collectors Sue?
• Do I Need a Lawyer for Medical Bills?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Medicredit — How to Settle Your Debt
• New Maine Medical Debt Collection Laws
• New York Changes Medical Debt Collection Laws
• Optimum Outcomes Violates Medical Debt Collection Laws
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

• 5 Expenses You Can Cut to Save Money and Pay Off Debt
• 7 Things to Consider When Taking a Student Loan
• 3 Things to Know About Bright Lending
• Americor Debt Consolidation Review: Will It Work For You?
• ACE Cash Express Personal Loan Review
• Cambridge Debt Consolidation Review
• Advance America Loan Review
• BMG Money Loan Review
• BMO Harris Bank Review: Pros and Cons
• CashNetUSA Review
• Click N Loan Reviews
• Debt Eraser Review
• Golden 1 Credit Union Personal Loan Review
• How to Find My Bridgecrest Login
• How to Generate Passive Income
• How to Get Out of a Bridgecrest Loan
• How to get out of a RISE loan
• How to Get Out of Debt Before Retirement
• How to Get Out of Paying HOA Dues
• How to Handle a Nationstar Foreclosure
• How to liquidate your assets to pay off debt
• How to Pay off Your Destiny Credit Card
• How to Recover from a Negative Bank Balance
• How to Travel Without Falling into Debt: Embracing the "Workcation"
• iLending Reviews
• LoanMart Reviews
• Luxury on a Budget: 10 Ways to Have Luxury Experiences While Managing Debt
• Milestone ® Mastercard ® Review
• Mission Lane Credit Card Reviews
• ModoLoan Review
• My Bank Account is Negative $1 000 — Fix it
• OppLoans Review
• Overcoming College Debt Challenges: Top Strategies for Financial Freedom
• Priority Plus Financial Reviews
• Speedy Cash Loans Review
• Tripoint Lending Reviews
• What Does "Apple Pay Transaction Under Review" Mean?
• What Happens if I Don't Pay Acima?
• What Happens If You Don't Pay Speedy Cash?
• What if I default on an Avant payment
• What Is a Debt-to-Sales Ratio?
• What is Bank of America CashPro?
• What is Bitty Advance?
• What Is Celtic Bank?
• What is Oportun?

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state's debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

• Debt Collection Laws in Alabama
• Debt Collection Laws in Alaska
• Debt Collection Laws in Arizona
• Debt Collection Laws in Arkansas
• Debt Collection Laws in Colorado
• Debt Collection Laws in Connecticut
• Debt Collection Laws in Delaware
• Debt Collection Laws in Florida
• Debt Collection Laws in Georgia
• Debt Collection Laws in Hawaii
• Debt Collection Laws in Idaho
• Debt Collection Laws in Illinois
• Debt Collection Laws in Indiana
• Debt Collection Laws in Iowa
• Debt Collection Laws in Kansas
• Debt Collection Laws in Kentucky
• Debt Collection Laws in Louisiana
• Debt Collection Laws in Maryland
• Debt Collection Laws in Michigan
• Debt Collection Laws in Mississippi
• Debt Collection Laws in Missouri
• Debt Collection Laws in Montana
• Debt Collection Laws in Nebraska
• Debt Collection Laws in Nevada
• Debt Collection Laws in New Hampshire
• Debt Collection Laws in New Jersey
• Debt Collection Laws in New Mexico
• Debt Collection Laws in New York
• Debt Collection Laws in North Carolina
• Debt Collection Laws in North Dakota
• Debt Collection Laws in Ohio
• Debt Collection Laws in Oklahoma
• Debt Collection Laws in Oregon
• Debt Collection Laws in Pennsylvania
• Debt Collection Laws in Rhode Island
• Debt Collection Laws in South Carolina
• Debt Collection Laws in South Dakota
• Debt Collection Laws in Tennessee
• Debt Collection Laws in Vermont
• Debt Collection Laws in Virginia
• Debt Collection Laws in Washington
• Debt Collection Laws in West Virginia
• Debt Collection Laws in Wisconsin
• Debt Collection Laws in Wyoming
• Kentucky Debt Collection Laws — What You Need to Know
• Massachusetts Debt Collection Laws – What They Say
• Texas Debt Collection Laws Protect You
• Utah Debt Collection Laws
• California's Rosenthal Fair Debt Collection Practices Act Explained

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state's statutes and more.

• Statute of Limitations—Definition and Everything You Need to Know
• Alaska Statute of Limitations on Debt
• Arkansas Statute of Limitations on Debt
• Colorado Debt Collection Statute of Limitations (Complete Guide 2026)
• Can the Statute of Limitations be Extended?
• Delaware Statute of Limitations on Debt
• Illinois Statute of Limitations on Debt Collection
• Indiana Statute of Limitations on Debt
• Kansas Statute of Limitations on Debt Collection
• Louisiana Statute of Limitations on Debt
• Maine statute of limitations on debt
• Michigan Statute of Limitations on Debt
• Mississippi Statute of Limitations on Debt
• Missouri Statute of Limitations on Debt
• New Hampshire Statute of Limitations on Debt
• North Carolina Statute of Limitations on Debt
• North Dakota Statute of Limitations on Debt
• Rhode Island Statute of Limitations on Debt
• South Carolina Statute of Limitations on Debt
• South Dakota Statute of Limitations on Debt Collection
• Statute of Limitations in Oklahoma (Complete Guide 2026)
• Statute of Limitations on Debt Collection by State (Best Guide)
• Statute of Limitations on Debt Collection in Alabama
• Statute of Limitations on Debt Collection in Montana
• Statute of Limitations on Debt Collection in Nebraska
• Statute of Limitations on Debt Collection in New Mexico
• Statute of Limitations on Debt Collection in Texas
• Statute of Limitations on Debt in Arizona
• Statute of Limitations on Debt in California (2026)
• Statute of Limitations on Debt in Connecticut
• Statute of Limitations on Debt in Georgia
• Statute of Limitations on Debt in Hawaii
• Statute of Limitations on Debt in Iowa
• Statute of Limitations on Debt in Maryland
• Statute of Limitations on Debt in Minnesota
• Statute of Limitations on Debt in Nevada
• Statute of Limitations on Debt in New Jersey
• Statute of Limitations on Debt in New York
• Statute of Limitations on Debt in Oregon
• Statute of Limitations on Debt in Oregon (Complete Guide)
• Statute of Limitations on Debt in Pennsylvania
• Statute of Limitations on Debt in Tennessee
• Statute of Limitations on Debt in Utah
• Statute of Limitations on Debt in Virginia
• Statute of Limitations on Debt in Wisconsin
• Statute of Limitations on Florida Debt
• West Virginia Statute of Limitations on Debt
• What Is the Statute of Limitations on Debt in Washington?
• Wyoming Statute of Limitations on Debt Collection

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it's a debt collector on the other line? If you've been called by any of the following numbers, chances are you have collectors coming after you, and we'll tell you how to stop them.

• 206-922-0880
• 210-520-0146
• 502-267-7522
• 800-289-8004
• 8009556600
• 800-955-6600
• 805-637-7243
• (855) 267-7451
• 855-419-7365
• 877-366-0169
• 888-899-4332
• 888-222-4227
• 888-899-6650
• Collection Agencies Phone Numbers

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

• Can Credit Card Companies Garnish Your Wages?
• Can Credit Cards Garnish Wages?
• Can I Stop Wage Garnishment?
• Bank Account Garnishment and Liens in Texas
• Can My Wife's Bank Account Be Garnished for My Debt?
• Can Payday Loans Garnish Your Wages?
• Can pensions be garnished?
• Can Private Disability Payments be Garnished?
• Can Private Disability Payments Be Garnished?
• Can Social Security Disability Be Garnished?
• Can You Stop a Garnishment Once It Starts?
• Does Wage Garnishment Affect Credit?
• Guide to Garnishment Limits by State
• How Can I Stop Wage Garnishments Immediately?
• How Long Before a Creditor Can Garnish Wages?
• How Long Does It Take to Get Garnished Wages Back?
• How to Stop a Garnishment
• How to Fight a Wage Garnishment
• How to Stop Student Loan Wage Garnishment
• How to Stop Wage Garnishment — Everything You Need to Know
• Ohio Garnishment Laws — What They Say
• Stop Wage Garnishment in Alabama
• Stop Wage Garnishment in Arizona
• Stop Wage Garnishment in Arkansas
• Stop Wage Garnishment in California
• Stop Wage Garnishment in Connecticut
• Stop Wage Garnishment in Delaware
• Stop Wage Garnishment in Florida
• Stop Wage Garnishment in Idaho
• Stop Wage Garnishment in Indiana
• Stop Wage Garnishment in Iowa
• Stop Wage Garnishment in Kansas
• Stop Wage Garnishment in Kentucky
• Stop Wage Garnishment in Louisiana
• Stop Wage Garnishment in Maine
• Stop Wage Garnishment in Massachusetts
• Stop Wage Garnishment in Minnesota
• Stop Wage Garnishment in Mississippi
• Stop Wage Garnishment in Missouri
• Stop Wage Garnishment in Montana
• Stop Wage Garnishment in Nevada
• Stop Wage Garnishment in New Jersey
• Stop Wage Garnishment in New Mexico
• Stop Wage Garnishment in New York
• Stop Wage Garnishment in North Dakota
• Stop Wage Garnishment in Ohio
• Stop Wage Garnishment in Oklahoma
• Stop Wage Garnishment in Oregon
• Stop Wage Garnishment in Rhode Island
• Stop Wage Garnishment in South Carolina
• Stop Wage Garnishment in South Dakota
• Stop Wage Garnishment in Tennessee
• Stop Wage Garnishment In Texas
• Stop Wage Garnishment In Utah
• Stop Wage Garnishment in Virginia
• Stop Wage Garnishment in Washington
• Stop Wage Garnishment in West Virginia
• Stop Wage Garnishment in Wisconsin
• Stop Wage Garnishment in Wyoming

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

• $20,000 in Debt—Will I Go to Jail? | 7-Step Guide To Settling Credit Card Debt
• 5 Tips to Grow Wealth While Managing Debt: Expert Advice from FinTech Innovator
• Can You Negotiate Debt After a Judgment? Expert Attorney Tips
• Can You Negotiate with the IRS? 3 Ways to Resolve Tax Debt
• Debt Relief Consolidation or Settlement | Live Q&A with DebtMD CEO James Lambridis
• How Bankruptcy Affects Your Credit Score (and How to Bounce Back)
• How Bankruptcy Helped Me Start Over After $60,000 of Debt
• How Does the Statute of Limitations on Debt Work? Expert Attorney Explains
• How Much Debt Do I Need to File Bankruptcy With Upsolve Co-Founder Ben Jackson
• How to Avoid Going to Court When Sued for Debt: Attorney Tips for Settlement
• How to Build Family Wealth After Debt: Live Q&A with Tandem CEO Michelle Winterfield
• How to Buy a Home While You're In Debt: Q&A With Mortgage Broker Scott Griffin
• How to Choose the Right Path Out of Debt | Live Q&A with Relief Strategies CEO James Farias
• How to Get a Debt Lawsuit Dismissed: Expert Legal Tips
• How to Legally Settle Debt After Wage Garnishment | Q&A With Greg Anjewierden at Debtbrief
• How to Negotiate with Debt Collectors in 2025: Expert Tips from a Former Collection Attorney
• How to Pay Off Debt in 3-7 Years | Expert Tips From Shred Method's Adam Carroll
• How to Protect Yourself from Predatory Lending
• How to Settle a Debt Collection Lawsuit - Attorney Q&A With John Skiba
• How to Respond to a Debt Collection Letter
• How to Settle a Judgment Debt in 2025: Expert Insights
• I Got Sued for $15k After Borrowing Money to Invest in Crypto
• Is Debt Settlement Right for You? Expert Q&A with TurboDebt's Sheldon Banker
• Medical Debt 101: How to Protect Your Finances and Credit
• Rebuild Your Credit While Paying Off Debt | Q&A with Fintech Pioneer Gwyneth Borden
• What Happens After I File an Answer to My Debt Lawsuit?
• What Stays on My Credit Report After I Settle a Debt? | Q&A With Credit Expert Melinda Carrera
• What To Do When Being Sued for Debt: How to Prevent Default Judgment

Other debt resources

• 3 Reasons Banks Can Freeze Your Account
• Cómo negociar una deuda en colección
• Cómo responder a una demanda civil por deuda
• Debt Collection Agency List (2026)
• Debt Collection Litigation Industry Report 2023
• Debt Collectors are Using AI
• Defending Yourself in Court Against a Debt Collector
• Biggest Debt Collection Agencies
• Guide to Elderly Debt Collection Laws
• Get Help Responding to a Lawsuit
• Help! A Debt Collector Is Calling My Work
• Help! I'm Being Sued by My Debt Collector
• How Not to Pay a Judgment
• How to Appear in Court by Phone
• How to Answer a Lawsuit for Debt Collection
• How to Answer a Summons Without an Attorney
• How to Apply For Unemployment Benefits in Florida
• How to Avoid Getting Served
• How to Beat a Debt Collector in Court
• How to Beat Junk Debt Buyers in Court
• How to Beat Payday Loan Debt Collectors
• How to Cancel a Merrick Bank Credit Card
• How to Cancel an American Eagle Credit Card: A Step-by-Step Guide
• How to Cancel JCPenney Credit Card
• How to cancel service with National Credit Care
• How to Defend Yourself in Court
• How to Discharge a Debt with UCC
• How to Dispute a Debt and Win
• How to Dispute a Debt Collector in 4 Steps
• How to dispute a rental collection
• How to Find Out If You're Being Sued
• How to Find Out What Collection Agency Owns Your Debt
• How to Get a Debt Lawsuit Dismissed in 5 Steps
• How to identify fake and abusive debt collectors
• How to Negotiate Credit Card Debts
• How to Negotiate with Creditors
• How to Negotiate with Debt Collectors
• How to Negotiate a Lien on a House
• How to Respond to a Debt Collection Letter
• How to Respond to a Lawsuit From a Debt Collector
• How to Respond to a Sheriff's Note On Your Door
• How to Respond to Plaintiff's Counsel
• How to Perform Voluntary Repossession
• How To Respond to Request for Admission
• How to Settle Debt with a Reduced Lump Sum Payment
• Can a Judgment Creditor Take my Car?
• How to Settle Credit Card Debt When a Lawsuit Has Been Filed
• I am being sued because my identity was stolen - What do I do?
• If a Car is Repossessed Do I Still Owe the Debt?
• I Got Sued Because of Credit Card Fraud—How I Beat American Express in Court
• I'm in Debt With No Job and No Money – What to Do
• Liquidated Debt vs. Unliquidated Debt
• Lloyd & McDaniel acquires Cooling & Winter
• National Debt Relief Screwed Me — What to Do Next
• Nicholas Financial sued for violating debt collection laws
• Nonsuit vs Dismissal in a Debt Collection Lawsuit
• Resolve Your Debt With A Summons Response: A Step-by-Step Guide
• Secrets of a Debt Collector—Interview With A Former Collector
• SoloSuit Sweet Sixteen: Honoring 16 Champions of Consumer Empowerment
• States Where You Can Go to Jail for Debt
• Sued By Credit Card Company? Here's What To Do
• Sued by Debt Collector? How to Resolve Your Debt
• Tax Debt Compromise Program Scam
• The Truth: Should You Never Pay a Debt Collection Agency?
• Tips From a Former Debt Collector
• Top 7 Debt Collector Scare Tactics
• TransUnion Is Sued for Sharing Consumer Data with Fake Debt Collector
• Use This 11 Word Phrase to Stop Debt Collectors
• What are the biggest debt collector companies in the US?
• What are the different types of debt?
• What to Do After Filing an Answer in a Debt Collection Lawsuit
• What to Do If a Debt Collector Is Attempting to Collect a Discharged Debt
• What to Do If a Debt Collector Sues You
• What to Do if You're Delinquent on Debt
• What to Expect If Your Debt Case Goes to Court
• When Does Exeter Finance Repo Cars?
• Why Do Debt Collectors Block Their Phone Numbers?
• You're Drowning in Debt — Here's How to Swim