How to Answer a Summons for Debt Collection in Nevada (2025 Guide)

Edited by Hannah Locklear

Finding out that you're being sued for debt collection can be pretty stressful. It's likely that you're already working really hard to keep up with paying your bills and struggling to make ends meet. The idea of facing a lawsuit on your own may feel like too much to take. Ideally you'd want to get legal help, but if you have money to hire an attorney you probably wouldn't have fallen this far behind in the first place. Under these circumstances it may feel really tempting to ignore the lawsuit altogether, but as you'll learn below that's the worst thing you can do.

This article can help make the process of responding to a lawsuit on your own a little easier and less intimidating, by walking you through the process of responding to a debt collection lawsuit in Nevada. This will include information specific to filing in Nevada, including specific Nevada deadlines and forms.

Table of Contents

• Deadlines
• Forms
• Fees
• Steps to Respond
• Settle Debt in Nevada
• Nevada Debt Collection Laws
• Statute of Limitations in Nevada
• Stop Wage Garnishment in Nevada
• Nevada Debt Relief
• Check Your Nevada Court Case Status
• Nevada Legal Aid Organizations
• Nevada Courts
• Key Takeaways

Respond to your debt lawsuit before Nevada's deadline

In Nevada, you have 20 days to respond to a debt lawsuit, according to Rule 12 of Nevada Justice Court's Rules of Civil Procedure.

If you don't respond during the allowed timeframe, then the Court can issue something called a default judgment against you. This means that because you did not respond you have been found responsible for the debt as laid out in the Complaint. The plaintiff can now get a Court Order stating this that they can use to garnish your paycheck to collect the money; garnishment removes money from your paycheck before you even see it.

Chances are, that would put you in a worse financial position than you started in, plus you will have lost the opportunity to contest anything in the Complaint, like the amount owed or even if you owe it. So, the single most important thing you can do when served with a lawsuit is to respond by filing an Answer before the deadline to avoid a default judgment.

Note that, if your case is in the Nevada Supreme Court, the deadline is 21 days. However, most debt lawsuits are under the jurisdication of Nevada Justice Courts or District Courts.

Use a Nevada Answer to Summons forms to draft your response

SoloSuit's Answer form takes minutes to fill out online and includes all the proper legal formatting, wording, and defenses you might need to fight your debt lawsuit in Nevada. The SoloSuit software can help you draft a personalized Answer to your case. All you have to do is respond to a series of questoins regarding your case, and it will generate an automatic response for you.

Alternatively, you will find the state's general answer form for civil lawsuits like debt collection cases below. Please note that the form is slightly different depending on which court's jurisdiction you are under. In Nevada District courts have general jurisdiction over all legal disputes, however, Justice Court handles civil matters involving amounts under $10,000. The good news here is that you don't need to figure out which one to use, because the plaintiff already did. You can determine which Answer form to use by looking at which Court is written in the caption of your Summons and Complaint. Use it to respond to the Summons and Complaint.

• Answer Form for District Court (nonfillable, but can print and hand-write in answers) and instructions.
• Answer Form for Justice Court (can fill out directly on your computer) and instructions.

Nevada courts charge an Answer filing fee

Nevada courts charge a fee to file your Answer. While most courts charge $71 to file an Answer to a debt lawsuit, it depends on the court. Filing fees range anywhere from $33 to $238.

SoloSuit calculates the filing fee for you, and has a database of hundreds of Nevada courts and the fees they charge. SoloSuit can help you file an Answer into your case and has experience doing so in courts throughout the state of Nevada.

If you cannot afford to pay the filing fee, you can fill out a Nevada fee waiver application. SoloSuit can also submit your fee waive application along with your Answer.

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

A lawsuit begins when one party files a Summons and Complaint against you. The filer (or “plaintiff”) files these documents with the court to seek a legal finding against you that you are responsible for the debt listed in the paperwork and obligated to pay it. The plaintiff is usually not your original creditor, rather a third party debt collection company that purchased the debt for pennies on the dollar from the original creditor.

You can respond to the lawsuit by either filing a Motion or an Answer document. Generally speaking an Answer is sufficient most of the time. Motions can get complicated and are best left to attorneys.

To respond, you should create an Answer document with the necessary information and in the proper format. You'll need to include details including your personal information, the plaintiff's information, the Courts information, and the case information. With the possible exception of your personal information you can find all of this information in the Summons and Complaint that you received. As Nevada provides forms for your use, getting the information into the proper format is relatively straightforward. SoloSuit's Answer form also makes the formatting process easier.

If you fail to respond within that 20-day (or less) period, the plaintiff will automatically win and receive a default judgment against you. Obviously we want to avoid that outcome, which you can do by completing the steps below:

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

We will go over each step in detail below. Don't like reading? Check out this video instead:

SoloSuit can help you collect the relevant information and format on your behalf.

1. Answer each claim listed in the Complaint

The Complaint document lists all the specific claims against you, and in your Answer document, you should address each one. You can admit, deny, or deny due to lack of knowledge. If you use SoloSuit, our software will walk you through responding properly to each and every paragraph.

Note that most attorneys recommend denying as many claims as possible, which will force the plaintiff to prove their claims. If they can't, they mgith just have to dismiss the case.

If you are using the Nevada forms the format is fairly basic, and is the same on both the District Court Answer Form and Judicial Court Answer Form.

For any paragraphs that you admit, you would list those numerically under paragraph 1 on the Answer document. For any paragraphs that you deny, you would list those numerically under paragraph 2 on the Answer document.

For any paragraphs that you feel you do not have sufficient knowledge or information to determine if it is true you would list those numerically under paragraph 3 on the Answer document, which then functions as another denial. Make certain to cross-check against the Complaint to make certain that you are referring to the proper numbers for the paragraphs.

Under paragraph 4, you can take the opportunity to answer any paragraphs that don't fit neatly into the first three. For example, maybe you admit part of the allegations in a specific allegation but deny others (such as admitting you owe a debt but disputing the amount.) This also gives you the opportunity to bring in additional facts as needed.

2. Assert your affirmative defenses

The next step is for you to assert your affirmative defenses. Affirmative defenses are any arguments that you can make as to why the plaintiff doesn't have a case. If you are using the Nevada court forms you can simply check any and all affirmative defenses listed that apply.

It's likely that the affirmative defenses listed are not immediately clear, as they are using specific legal terms. You can find a summary of brief definitions for all of the possible affirmative defenses on page 5 of the instructions for either District or Justice court. Please note, however, that these definitions are not comprehensive, for more complicated scenarios it is best to seek legal advice from an attorney.

Below we will offer explanations for some of the most commonly used affirmative defenses:

• Accord and satisfaction -refers to a situation where the parties already reached a new agreement about the issue. For example, perhaps you and your creditor had an agreement to pay less than the total debt owed in full satisfaction of the debt.
• Discharge in bankruptcy - if you previously filed a bankruptcy case that resulted in discharge and included this debt, you are no longer legally obligated to pay it. This can come up frequently as third party collection agencies don't always check if the debt was discharged in bankruptcy.
• Payment - This can be used if you have already paid the debt at issue. Here if you have documentation to support this you can attach it for the court to review.
• Statute of Limitations - a statute of limitations refers to the amount of time that one party has to bring a legal action against another. We will discuss in more detail below the statute of limitations for debt collection in Nevada which can range from three to ten years, depending on the type of debt. If the lawsuit against you is outside of these limits, this defense can stop the plaintiff from getting a court order against you.

SoloSuit can show you all of the available affirmative defenses and how to determine which apply to you.

Beyond affirmative defenses, you also have the opportunity to assert additional potential defenses, sometimes referred to as counterclaims. Please keep in mind, however, that this can get much more complicated despite having a form to fill in. If you believe that you have viable counterclaims it is best to seek assistance from an attorney who practices in this area of law.

Potential defenses would be appropriate in the event that the plaintiff violated Nevada debt collection laws. The laws are very much in line with the federal Fair Debt Collection Practices Act (FDCPA) which protects consumers from harassment and threats by debt collection agencies.

Nevada enacted the Nevada fair debt collection practices act which incorporates the FDCPA under the Nevada Revised Statutes (N.R.S. § 649.370), such that any violation of the FDCPA is also a violation of Nevada debt collection law. Additionally, Nevada has detailed regulations regarding how a debt collector may attempt to collect pursuant to fair debt collection practices act in Nevada.

3. File the Answer document with the court and serve the plaintiff with a copy

Once you've completed the paperwork for your Answer don't neglect to take the final step and file the Answer with the court. This involves a few key steps:

• Print at least two copies of your Answer. If you can print a third one for your records that is always a good idea.
• Mail one copy to the Court
• Mail one copy to the plaintiff's attorney

If you are using the Nevada court forms, be certain to fill out the “Certificate of Mailing” at the end of the form. This can serve as official service of your response within the 20 day time period.

SoloSuit files the paperwork for you, so you know all the steps are covered.

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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

Settle your debt lawsuit in Nevada

Debt settlement has helped countless Nevada consumers get their debt situation in order. Many borrowers have been able to clear debts without paying the original amount but after explaining their situation to creditors. This move has prevented many from receiving a garnishment order. Here are the three steps to take when you have been sued and want to settle the debt:

Step 1: Respond to the lawsuit

The lawsuit you receive from the debt collector has a Summons and Complaint document. In the Complaint document, you must answer the allegations the creditor has listed against you. The next section is where you will list your affirmative defenses, explaining why you are not responsible for the debt or why you should not pay it as it is. You have 20 days to respond to the lawsuit in Nevada. If you miss the deadline, the creditor might receive a default judgment.

Step 2: Approach the creditor and make an offer

Once you send the answer, assess your financial situation to quantify the money you have to make a lump sum payment. Next, approach the creditor with a settlement offer. Ensure the amount you quote is lower than the total amount you can offer so that you leave room for negotiations. But do not accept to commit to an amount you know you will struggle to pay and further escalate the problem. You must also give valid reasons why you cannot pay the entire amount. Note that the creditors may do their own investigations to confirm your story.

Step 3: Get the settlement deal in writing

Debt collectors are known to go back on their word after agreeing to accept a lower amount. So, get the debt settlement agreement in writing for future reference and to let them know you have evidence in case they still want to continue with the lawsuit or file a new one later.

As you seek to settle your debt, you need to use a reputable debt settlement company that will not cause you more harm than good. For example, SoloSettle is an online app that helps you negotiate with creditors and debt collectors, work out a settlement agreement, and pay collectors without sharing your personal financial information. The app allows you to take charge of the negotiation process, unlike other companies that take over the process. You are also not required to stop making payments, which has a negative effect on your credit score.

Watch the following video to learn more about these 3 steps to settle debt in Nevada:

Consumers enjoy protections from debt collection laws in Nevada

Nevada protects its residents from unscrupulous debt collection practices using the Fair Debt Collection Practices Act (FDCPA) and the Nevada revised statutes. These debt collection laws outline how debt collectors should treat consumers. For instance, the Nevada Revised Statutes 649.375 outlines the following laws stating that debt collectors should not:

• Use deceptive language or false representation when collecting debt.
• Attempt to collect fees, charges, and interests beyond the principal debt— unless the law or the agreement you signed permits it.
• Transfer or assign a debt or claim without written consent and approval from the commissioner’s office.
• Collect or operate in locations they are not licensed in.
• Engage in activities that qualify as harassment.
• Advertise or threaten to advertise your debt as a way of forcing you to make payments.
• Post or publish your debt unless it is for internal purposes related to membership or stakeholders.

The Fair Debt Collection Practices Act is a nationwide guideline regulating debt collectors from carrying out unfair business practices. Nevada takes these laws seriously and often penalizes debt collectors for violating any of the following clauses:

• Calling you weird hours of the night or very early in the morning.
• Using abusive and inappropriate language when communicating with you.
• Threatening you with a lawsuit or taking crucial documents to force you to pay.
• Pursuing a debt you do not owe and failing to verify the debt.
• Using deceptive and misleading tactics while attempting to collect.
• Fainting to stop all communication after sending a cease and desist letter.

If you experience a violation of your consumer rights in any of the above clauses, you can report the debt collector to the Consumer Financial Protection Bureau (CFPB), Fair Trade Commission, and Nevada's attorney general’s office. If the matter goes to court, you can seek up to $1000 in damages if you provide evidence of the violations.

Nevada’s statute of limitation on debt is a law you can use when a debt collector attempts to collect an expired debt. Let’s take a closer look at the specific Nevada statutes on debt collection.

In Nevada, the statute of limitation on credit card debt is four years, while those for auto loans, student loans, mortgages, medical bills, and personal loans are six years. The clock typically starts from the last date you paid any amount on your debt. So, before paying a debt you have been sued for and had forgotten about, check the last date you took action on the account and calculate to see if the creditor had the right to sue you.

The statute of limitations on debt in Nevada can protect you

The statute of limitations on debt sets a deadline for creditors and debt collectors to sue over a debt. If your debt is past the statute of limitations, they will have no case against you, and you can use it as an affirmative defense in your case. Typically, this will result in a case dismissal, meaning you're off the hook.

The statute of limitations on debt in Nevada varies depending on the type of debt.

For example, the Nevada statute of limitations on credit card debt is four years, and it is six years for medical, student loan, auto loan, mortgage, and personal loan debt. This means that a creditors and debt collectors only have four years to sue on credit card debt and six years for the other types of debt, usually starting from the date of the last action on the account.

The table below further outlines the statute of limitations on different types of debt in Nevada:

Statute of Limitations on Debt in Nevada

Debt Type	Deadline in Years
Credit Card	4 years
Medical	6 years
Student Loan	6 years
Auto Loan	6 years
Mortgage	6 years
Personal Loan	6 years
Judgment	6 years
Nev. Rev. Stat. § 11.190

So, before you take any action when debt collectors come calling, check the statute of limitations on your debt account.

Stop Wage Garnishment in Nevada

Maybe your debt was within the statute of limitations and a judgment in the case has lead to wage garnishment. If that's the case for you, there are still ways to reverse the garnishment.

In Nevada, creditors are permitted to garnish your wages after winning a lawsuit, and the judge gives them the go-ahead (“order” in legal terms) to take a certain percentage. Nevada law NV Rev Stat § 31.295 sets the limit to 25% of a borrower's disposable earnings. However, they can only take 18% for earnings less than $770. The following are the various ways you can stop wage garnishment in Nevada or prevent it before it happens:

Object to the garnishment order

The debt collector will send a garnishment order once they finalize the court process. If you believe you have a winning chance, file an objection to the garnishment order, and you may receive a formal hearing. Reasons you can use to object are:

• The creditor wants to take excess money.
• The creditor failed to follow the correct procedure.
• You already paid the debt.
• A situation of identity theft or the names have been confused with another debtor.

File a claim of exemption

In this situation, you are requesting the court to exempt a part of your income from being garnished. You must provide evidence such as tax return records, bank statements, pay slips, and receipts. Afterward, a court hearing date will be communicated, and you must appear to support your claim.

Negotiate and settle the debt

A creditor may be reluctant to negotiate, given they’re getting their money via wage garnishment. However, they are often willing to negotiate for a lump sum payment. As you approach them, ensure you have enough money to pay about 60%--80% of the pending debt. Start negotiating at a lower amount and leave room for moving upwards. Once you get a deal, put it in writing to avoid future collection attempts or lawsuits of the same debt.

File for bankruptcy

Bankruptcy should be the last resort if you believe you cannot meet your basic needs and other crucial expenses if the credit garnishes your wages. In Nevada, all collection attempts stop, including wage garnishment, after you qualify and get a Chapter 7 or 13 bankruptcy status. Even though this approach discharges most debts, the entry remains in your credit report for seven to ten years.

How to get debt relief in Nevada

Debt relief is a viable way to reduce your debts and become financially free sooner rather than later. In Nevada, you have several options to access debt relief, and the type you choose depends on your circumstances and the funds you have. Let’s consider several examples of how to find debt relief in Nevada:

• Debt refinancing: This method entails taking a new loan that helps you restructure a specific debt you are paying, enabling you to save money you can use to make other debt payments. You can refinance your home, auto, or student loans. However, be careful when refinancing a federal student loan because you may not get a better deal with a flexible payment plan or the possibility of qualifying for a forgiveness program.


• Debt consolidation: This debt relief program allows you to combine your debts into a single debt. It saves you the time and effort consumed in making separate payments for each debt. It also saves you money when you acquire a personal loan with better interest rates.


• Use a balance transfer card: Use this option to merge credit card debts only. The idea is to transfer one or several credit card bills to a new card with a 0% Annual Percentage Rate (APR). However, you must have a good credit score and ensure you make the payments within the timeline (12-21 months) for the 0% interest rate or risk paying a higher amount than your previous debt.


• Settle your debt: Nevada creditors accept debt settlement if they believe the consumer may fail to pay the entire debt. Settling debt entails approaching the creditor and offering to pay a lump sum amount, but they must agree to take a reduced amount than the actual debt. When negotiating, start by quoting a lower amount than you can pay. They will come with a counteroffer, and you must be willing to adjust the offer upwards.


• File for bankruptcy: Bankruptcy enables you to erase most of your debt because you are stating that you have no means to keep paying the overwhelming debt. In Nevada, you can file for Chapter seven and thirteen bankruptcy. For Chapter Seven, also known as liquidation bankruptcy, you must liquidate some assets to pay off part of the debt. Chapter Thirteen is also called a payback bankruptcy, where you attempt to pay off your debts between three to five years, and the remaining balance will be forgiven.


• Debt counseling and management services: Nevada has various state, charity, and national-based organizations that assist consumers in managing their debt situation. They provide financial education, credit counseling, budgeting assistance, and debt management strategies. Here are some you might consider: GreenPath Financial Wellness, Consumer Credit Counseling Services and Community Services of Nevada.

Check the status of your Nevada court case

To check the status of your Nevada court case, the state’s judicial branch has provided straightforward ways to access your court case online, via mail, or in person. It’s not as complicated as many consumers believe.

To search for your case, you must first understand the court structure to determine where your case is likely to be heard. Nevada has four levels of civil court, they are:

• Supreme Court: The highest court. It reviews cases from the lower court and either modifies, sets aside, or affirms the previous verdict.
• Court of Appeals: Hears a third of the cases filed in the Supreme Court. The justices assign which cases they will tackle.
• District Court: These courts have general jurisdiction and hear cases involving claims above $15,000. They also receive appeals from the Justice Court.
• Justice Court: The 40 Justice Courts in Nevada hear claims of up to $15,000 and small claims cases of $10,000 and below. Your debt collection case is likely in your township Justice Court.

You can find your case number once you know which court your case is in. This is the fastest way to access your case record compared to using your name and the creditor's company for tracing. The courts often create the case number from the year the creditor filed the lawsuit, the court or case type, and the assigned number representing the cases filed in that court for that year. For example, case number 23C000010 is the tenth case filed in 2023.

To get your case number, visit the courthouse where your creditor filed the case and submit a formal written request, including your name, date of birth, and creditor’s name. Alternatively, visit the Nevada Online Portal to find your case number and search by attorney or party. You'll see several cases pop up, but you'll be able to locate yours with ease.

A similar approach can be used to access the case records after you find the case number. You can get them by physically visiting the courthouse and paying an affordable fee to receive the copies. You can also access it remotely using your phone, tablet, or computer. Nevada uses a statewide case access online portal that allows consumers to access their records. However, Carson, Clark, and Washoe Counties have their own search portal.

Nevada State Legal Aid Organizations

All states have legal aid organizations that offer free legal services to residents who cannot otherwise afford professional help. Below you can find some of these organizations in Nevada.

• Legal Aid Center of Southern Nevada
• Nevada Legal Services
• Washoe Legal Services
• Nevada 211
• State of Nevada Self-Help Center
• State Bar of Nevada Pro Bono Legal Services
• Civil Law Self-Help Center

Nevada Court Locations

Nevada's judiciary branch offers a tool online to help people locate their local courthouse. The Nevada court locator provides courthouse addresses, clerk phone numbers, and more.

And to file an Answer to a Nevada Summons, find your local court below to get started.

• Justice Court, Elko Township Elko County, Nevada
• Justice Court, Meadow Valley Township Lincoln County, Nevada
• District Court Lander County, Nevada
• District Court White Pine County, Nevada
• District Court Mineral County, Nevada
• Justice Court, Searchlight Township Clark County, Nevada
• Justice and Municipal Court Carson City County Clerks Office
• District Court Clark County, Nevada Family Courthouse
• District Court Elko County, Nevada Clerks Office
• District Court Elko County, Nevada Juvenile and Family Court Services
• District Court Pershing County, Nevada Youth and Family Services
• District Court Nye County, Nevada Department 1
• Justice Court, Reno Township Washoe County, Nevada
• Justice Court, Incline Village Township Washoe County, Nevada
• Justice Court, Lake Township Pershing County, Nevada
• Justice Court, Ely Township White Pine County, Nevada
• Justice Court, Las Vegas Township Clark County, Nevada
• Justice Court, Boulder Township Clark County, Nevada
• Justice Court, Bunkerville Township Clark County, Nevada
• Justice Court, Canal Township Lyon County, Nevada
• Justice Court, Carlin Township Elko County, Nevada
• Justice Court, East Fork Township Douglas County, Nevada
• Justice Court, Eureka Township Eureka County, Nevada Eureka Department
• Justice Court, Dayton Township Lyon County, Nevada
• District Court Elko County, Nevada Courthouse
• Justice Court, Henderson Township Clark County, Nevada
• Justice Court, Esmeralda Township Esmeralda County, Nevada
• Justice Court, Goodsprings Township Clark County, Nevada
• Justice Court, Tonopah Township Nye County, Nevada
• Justice Court, Pahrump Township Nye County, Nevada
• Justice Court, Moapa Township Clark County, Nevada
• Justice Court, New River Township County of Churchill, State of Nevada
• Justice Court, Moapa Valley Township Clark County, Nevada
• District Court Nye County, Nevada Department 2
• Justice Court, Eastline Township Elko County, Nevada
• District Court Humboldt, Nevada Sixth Judicial District Court
• Justice Court, Laughlin Township Clark County, Nevada
• District Court Clark County, Nevada Civil and Criminal Division
• District Court Carson City, Nevada
• Justice Court, North Las Vegas Township Clark County, Nevada
• District Court Churchill County, Nevada
• District Court Clark County, Nevada Phoenix Building
• District Court Douglas County, Nevada
• District Court Eureka County, Nevada
• District Court Pershing County, Nevada
• District Court Humboldt County, Nevada Chambers Sixth Judicial District Court
• District Court Lincoln County, Nevada Seventh Judicial District Court
• District Court Lyon County, Nevada
• District Court of Nye County Clerks Office
• District Court Storey County, Nevada
• District Court Washoe County, Nevada Family Jurisdiction
• Justice Court, Beatty Township Nye County, Nevada
• Justice Court, Eurkea Township Eureka County, Nevada Beowawe Department
• Justice Court, Hawthorne Township Mineral County, Nevada
• Justice Court, Mesquite Township Clark County, Nevada
• Justice Court, Sparks Township Washoe County, Nevada
• Justice Court, Walker River Township Lyon County, Nevada
• Justice Court, Austin Township Lander County, Nevada
• Justice Court, Argenta Township Lander County, Nevada
• Justice Court Tahoe Township Douglas County, State of Nevada
• District Court Washoe County, Nevada General Jurisdiction
• In the Union Township, Justice Court Humboldt County, Nevada
• Wells Township, Justice Court Elko County, Nevada
• In the Fifth Judicial District of the State of Nevada in and for the County of Nye

Key Takeaways

So, in short, here's the review on how to answer a summons for debt collection in Nevada.

• Remember your response deadline is at most 20 days.
• Draft an Answer in the proper format for Nevada courts, or use or SoloSuit.com to do it for you.

Follow these three steps:

1. Answer each claim listed in the Complaint.
2. Assert your affirmative defenses.
3. File and serve the Answer.

Good Luck!

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

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

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• 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
• Sherman Acquisition
• Sherman Financial Group
• 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
• 5 Pros and Cons of Credit Cards & How to Use Them Wisely
• 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 2025
• Credit Repair Scam
• Going to Court for Credit Card Debt - Everything You Need to Know
• Going to Court for Credit Card Debt — Key Tips
• Guide to Disclosing Income on Your Credit Card Application
• 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 Handle Debt and Improve Credit
• 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? (2025 Guide)
• 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 Judgement Last?
• 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 (2025)
• 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 2025
• 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 2025)
• 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
• Best Practices for Avoiding Debt Litigation Scams
• 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
• Hours of Service Violations - 10 Effects
• 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?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• 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
• BYU Personal Finance Online Course (How to Get Back on Track After a Debt Lawsuit)
• 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 for College and Avoid 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 2023)
• 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 2023)
• 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 (2023)
• 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 2025)
• 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 (2022)
• Debt Collection Litigation Industry Report 2023
• Debt Collectors are Using AI
• Defending Yourself in Court Against a Debt Collector
• Biggest Debt Collection Agencies (2025)
• 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 Deal with Debt Collectors
• How to Defend Yourself in Court
• How To Develop A Debt Repayment Plan That Works
• 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