Debt Settlement Letter: What It Should Say Before You Pay
A debt settlement letter is the creditor’s written agreement to accept less than you owe. What it should say, what to check before you pay, and red flags.
What Happens If You Stop Paying Your Credit Cards? A Month-by-Month Timeline
What happens month by month when you stop paying credit cards: late fees, credit reporting at 30 days, penalty APR, charge-off at about 180 days, collections and lawsuits, plus your options at each stage.
How to Choose a Debt Settlement Company: 10 Questions to Ask
Comparing debt settlement companies? Ask these 10 questions, watch for these red flags, and know the FTC rule every legitimate company follows.
How to Settle Debt Yourself: A Step-by-Step Guide
You can often settle debt yourself for less than you owe. Here is a step-by-step guide to negotiating with creditors, getting the deal in writing, and when to get help.
What to Do When Your Debt Is Sent to Collections
A debt in collections is still a debt you can deal with. Here is what happens when a debt goes to collections and what to do next, step by step.
Debt Relief in New York: How the 3-Year Statute of Limitations Protects You
New York gives consumers some of the strongest debt protections in the country. Learn how the 3-year statute of limitations and the Consumer Credit Fairness Act work.
How to Negotiate Medical Debt (and What the 2026 Credit Rules Mean for You)
Medical bills are often more negotiable than you think. Learn how to lower a medical bill, settle medical debt in collections, and how the 2026 credit reporting rules work.
Statute of Limitations on Debt: What Time-Barred Debt Means for You
How long can a creditor sue you over an old debt? Learn how the statute of limitations works, what time-barred debt means, and what can restart the clock.
What Is a Charged-Off Account? (And Can You Still Settle It?)
A charge-off doesn’t mean your debt is gone. Learn when accounts are charged off, how it affects your credit, and how charged-off debts can still be settled.
Debt Collector Harassment: Your Rights Under the FDCPA
Debt collectors must follow federal rules on when and how often they contact you. Here are your FDCPA rights, the 7-in-7 call rule and how to stop harassment.