The Debt Hotline
How to Legally Settle Debt After Wage Garnishment
You can still settle debt even after wage garnishment. Use leverage, offer lump sums, negotiate payment plans, and always get agreements in writing.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
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Debt Settlement
Debt Settlement Explained by a Lawyer
A lawyer's view: debt settlement works when you have a lump sum, can accept credit damage, and the debt is unsecured. Get every agreement in writing.
The Debt Hotline
How to Pay Off Debt in 3-7 Years | Expert Tips From Shred Method's Adam Carroll
The Shred Method redirects your income into smarter, targeted payments focusing on principle, not interest. This method can accelerate debt pay-off.
The Debt Hotline
Can You Negotiate with the IRS? 3 Ways to Resolve Tax Debt
Yes, you can negotiate with the IRS through three main options: offer in compromise, installment agreements, and currently non-collectible status.
The Debt Hotline
How Much Debt Do I Need to File Bankruptcy?
There's no minimum debt amount required to file bankruptcy. The decision depends on whether debt is preventing your financial progress.
The Debt Hotline
5 Tips to Grow Wealth While Managing Debt
Build wealth while in debt: invest small amounts weekly, tackle high-interest debt, save alongside it, know good vs. bad debt, and automate everything.
The Debt Hotline
How to Buy a Home While You're In Debt
To buy a home while in debt: FHA covers down payments, VA loans skip credit checks for vets, and rentals can boost qualification.
The Debt Hotline
Sued for Debt? How to Prevent Default Judgment
Sued for debt? File an Answer before your state's deadline (between 20-45 days) to prevent default judgment. Arbitration can also give you settlement leverage.
The Debt Hotline
Can You Negotiate Debt After a Judgment? Attorney Tips
Yes, you can negotiate debt after a judgment, but it costs more—typically 60–80% post-judgment vs. 20–40% before a lawsuit. Earlier negotiation = better deals.
Bankruptcy
How to File Bankruptcy for Free Without an Attorney
File Chapter 7 bankruptcy for free using tools like Upsolve, paying only the $338 court filing fee. Most people erase $40K–$100K in debt within 6 months.
The Debt Hotline
How to Protect Yourself from Predatory Lending
Protect yourself from predatory lending by recognizing the warning signs: interest rates over 36%, pressure to borrow more than needed, and complicated terms.
The Debt Hotline
How to Get a Debt Lawsuit Dismissed: Expert Legal Tips
Get a debt lawsuit dismissed by filing an Answer on time, pushing to arbitration, citing an expired statute of limitations, or filing a motion to dismiss.