Debt Collection FAQs
How Long Does a Judgment Stay on Your Credit Report?
A judgment stays on your credit report for at least seven years. Some bad debts, such as tax liens and bankruptcy, go up to 10 years.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
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Medical Debt
New York Changes Medical Debt Collection Laws
New York banned medical debt from credit reports under a 2023 law; collectors can still pursue payment but the debt won't damage your score.
State Debt Collection Laws
Rosenthal Fair Debt Collection Practices Act Explained
If you’re in California, new debt collection protections might be headed your way. It's called the Rosenthal Fair Debt Collection Practices Act.
Debt Collection FAQs
What Happens When You Get Served Papers for Debt?
When you get served papers for debt, the clock starts ticking. You must respond before the deadline or risk a default judgment and potential wage garnishment.
Debt Collection FAQs
How Long is a Judgment Good For in California?
In California, a judgment can last 10 years, and creditors can renew past this period. Use Solo to avoid or resolve a judgment debt.
Debt Collection FAQs
How Long Does a Judgment Last in Florida?
Current Florida law stipulates that a judgment can last up to 20 years, though creditors can seek renewals so that judgments can remain in effect indefinitely.
Bankruptcy
Pros and Cons of Chapter 7 Bankruptcy
Chapter 7 bankruptcy wipes most debts in 3-6 months but requires liquidating non-exempt assets and staying on your credit report for 10 years.
Debt Collection FAQs
How Long Does a Judgment Last in NY?
In New York, a judgment remains enforceable for 20 years, though creditors can take additional steps to extend this period if the debt remains unpaid.
Debt Collector Guides
How to Resolve Debt with Designed Receivable Solutions
To resolve debt with Designed Receivable Solutions, ask the agency to validate the debt and then consider negotiating a new payment plan or debt settlement.
Debt Collector Guides
Settle debt with MiraMed Revenue Group
Settle debt with MiraMed Revenue Group by validating any medical debt they claim, raising FDCPA defenses, and offering a lump-sum settlement.
Debt Collector Guides
How to Resolve an Ability Recovery Services Lawsuit
If sued by Ability Recovery Services, respond on time with an Answer, demand validation, raise affirmative defenses, or negotiate a settlement.
Debt Collector Guides
Settle Debt With Brock and Scott PLLC
To settle debt with Brock & Scott PLLC, you can hire an attorney, use a debt settlement company, or approach the firm to request a settlement.