How to Answer Summons for Debt Collection in South Dakota

In South Dakota, any debt, whether credit card, utilities, or car loan debt, can be sent to a collection agency for recovery if you default on your monthly payments. These agencies will frequently call and send you debt collection letters, asking you to pay the amount owed. Such extreme debt collection tactics can be stressful if you do not know how to respond to a debt collection summons.

In this guide, we explain all topics necessary to help you respond to a South Dakota summons. We cover deadlines, fees, forms, and South Dakota laws that will help you prepare for court and improve your chances of resolving the debt.

Table of Contents

• Deadlines
• Forms
• Fees
• Steps to respond to a South Dakota summons
• Settle debt in South Dakota
• Statute of limitations on debt in South Dakota
• South Dakota debt collection laws
• Stop wage garnishment in South Dakota
• Check the status of your South Dakota court case
• South Dakota debt collection tips
• South Dakota legal aid
• What if I haven't been sued yet?
• File an Answer in your local court

Answer a South Dakota summons before the deadline

You have 30 days to respond to a summons for debt collection in South Dakota. The clock starts ticking the day after you are served.

This deadline is listed in S.D. Codified Laws § 15-6-4(b), which states:

"The party upon whom the request is served shall serve a written response within thirty days after the service of the request.

Failure to respond to the lawsuit before the 30-day deadline usually leads to a default judgment which can cause big financial problems like wage garnishment. To block a default judgment, you must file a written Answer into your case. But what should you include in your Answer? Keep reading to find out.

Use these South Dakota answer to summons forms

Some states offer a unified Answer form to help self-represented litigants respond, but South Dakota does not. SoloSuit's Answer form is a great option for South Dakota residents who have been sued for debt. This form is legally formatted, includes formal legal language to help consumers defend their rights, and includes a certificate of service to prove that the document was successfully served on the plaintiff.

Here's an example of an Answer form you can fill out with the help of Solosuit: Answer to Summons form sample

For more information about South Dakota court forms, click here.

Pay the filing fee to answer a debt collection summons in South Dakota

You must pay a filing fee to file your Answer to a South Dakota Summons. The fee is $25, as outlined in South Dakota's civil fee schedule. If you can't afford to pay the filing fee, you can fill out a Motion to Waive Filing Fee form.

Other filing fees in South Dakota court cases

The filing fee for a Debt Collection summons in any South Dakota circuit court is $70. However, debt collectors collecting $12,000 or less can file a summons in a Small Claims Court. The filing fees in a Small Claims Court vary, depending on various factors.

The highest fee is $35 for cases seeking between $4000 and $12,000. You cannot appeal a small claim matter to either the South Dakota Supreme Court or Circuit Court; you, however, have a right to move a small claims action to a Circuit Court.

In most Circuit Court cases, a private process server or county sheriff serves debt collection complaints and summons. The service fee usually ranges between $30 and $50. Typically, the court will serve the Notice of Small Claims by mail.

After obtaining a judgment, the court clerk will include a sheriff's execution fee of $35 and a writ execution fee of $5. A Writ of Execution is a judicial order seeking the execution of a particular judgment. The sheriff will also charge a percentage of the total amount successfully levied and given to the creditor.

In South Dakota's garnishment proceedings, the law requires the debt collector to receive a sum of $15 to reimburse the expenses they incurred while preparing the garnishment disclosure form. The debt collector can include this amount in the debt that the creditor is trying to recover from you.

File a response to a debt collection lawsuit fast with SoloSuit.

Follow these steps to respond to a debt collection case in South Dakota

It's best to respond to a summons as soon as you can. This is to prevent the court from ruling in favor of the plaintiff. Below are the steps you need to take when responding to a debt collection summons in South Dakota;

1. Answer each issue listed in the complaint
2. List affirmative defenses
3. File the Answer in court and serve the plaintiff

Below, we break down each of these steps in detail. The following also gives a summary of these steps. Check it out!

1. Answer each issue listed in the complaint

Answering the complaint can be stressful, but that should not be the case. You only need to read and understand the complaint then respond to the paragraphs with either of the following answers:

• Agree
• Disagree
• I don't know

2. Assert affirmative defenses

The next step involves giving the court reasons why it should pass a judgment in your favor by explaining why you do not owe the plaintiff any debt.

Some relevant affirmative defenses to include are:

• Identity theft: if you believe that you incurred the debt in question through impersonation, you can add identity theft to your affirmative defenses. To convince the court that your identity has been stolen, make sure you have the necessary documents, including police and credit card reports and affidavits of forgery, just in case the court requests them.
• Amount of debt in dispute: This defense applies when the amount the debt collector is suing you for differs from the amount you believe you owe. There may be different reasons for the disparity in the debt amount, some of which include:
• Creditors' failure to compute payments.
• Incorrect calculations on interest.
• Wrong dates on calculated amounts.
• Inclusion of other incorrect charges.
• South Dakota Statute of Limitations: The statute of limitations on most debts in South Dakota is six years. This includes mortgage, credit card, and medical debt. If the Statute of Limitations on your debt has already expired, a debt collector cannot pursue legal action against you. However, the Statute of Limitations can be reactivated if you make any payment towards settling your debt.
• Contract cancellation: You could raise this affirmative defense if you had a contract with the creditor. In that case, you'll need to tell the court that the plaintiff did not implement the agreement that led to the debt.
• Discharge of debt in bankruptcy: If there was a bankruptcy petition that previously included the debt you are answering summons for, the debt collector must discontinue the lawsuit or face another for the violation of a discharge.
• Cleared debt: You can argue your defense on clearing the debt or making a partial payment towards settling the debt in question.
• Lack of information: This defense is relevant if you were a co-signer to a loan or debt you're being sued for but did not have enough information on your rights as a co-signer.

It is essential to note that there is no bonding requirement or special licensing required to practice debt collection in South Dakota. You cannot, therefore, argue your defense on the collector's lack of license to collect a debt or the failure of the debt collector to allege licensure in the complaint as you would in other states.

Use the right affirmative defense to win your South Dakota case.

3. File the answer in court and serve the plaintiff

In South Dakota, if you do not have an attorney, you will need to file your answer in person or by mail. To do this, you need to mail a copy of your answer to the plaintiff's attorney and another to the court, and then pay the court's filing fee.

However, one of the easiest options to answer a debt collection summons in South Dakota is by using the services provided by SoloSuit. Given that debt collection laws are quite complicated, SoloSuit makes filing easy by doing it the right way.

Settle debt in South Dakota

If you don't have a good defense in your case because the debt is valid and you actually owe it, debt settlement might be your next best option.

Settling debt will allow you to move on with your life while paying less than you currently owe. To eliminate debt once and for all, settle debt in South Dakota with the following steps.

1. Avoid a legal judgment by filing an Answer to a lawsuit

Have you been sued over your past debt? If so, you’ll need to file an Answer with the court to indicate that you intend to fight the lawsuit. Failing to file an Answer by the deadline can cause you to lose the case to a default judgment. In South Dakota, you generally have 30 days to respond.

SoloSuit makes the process easier thanks to our online tool. Just answer a few questions to draft your Answer, then file it with the local court. SoloSuit can even file it on your behalf before the deadline or have an attorney review your Answer before filing.

2. Negotiate with your creditor

Start negotiating by offering to pay 60% of your total amount. Even if the debt collector or creditor rejects your offer, they may submit a counteroffer, and you can continue the process until you both agree on a settlement amount.

SoloSuit can help. By using SoloSettle, you’ll never have to interact directly with your debt collector. Instead, you’ll submit offers through the online platform, and SoloSettle can even handle the payment once you arrive at a solution.

Negotiate debt settlement on your own.

3. Get the settlement agreement in writing

Always insist on a written settlement agreement. Without it, some debt collectors may seek a default judgment behind your back. The document should include your final settlement offer and any information on the repayment process. Never make a single payment until you have a settlement agreement in writing.

Check out the following videos for tips from an attorney on how to negotiate with creditors and debt collectors to settle your debt:

South Dakota's statute of limitations on debt sets a time limit for collectors to sue

The Statute of Limitations is the timeframe within which a creditor and debt collector can pursue legal action against you to collect their debt. In South Dakota, there are different Statutes of Limitations on various debts. As a result, knowing the Statute of Limitations that applies to your debt can significantly impact your debt summons.

The following table outlines the South Dakota statute of limitations on debt for various types of debts:

Statute of Limitations on Debt in South Dakota

Debt Type	Deadline
Credit card	6 years
Medical	6 years
Student loan	6 years
Auto loan	6 years
Personal loan	6 years
Mortgage	15 years
Judgment	20 years
Source: S.D. Codified Laws § 15-2-6, § 15-2-7, and §15-2-13

So, in South Dakota, the statute of limitations on most types of debt is six years, including debts connected to credit cards, medical, student loans, auto loans, and other personal loans. For any debt associated with a mortgage, the statute of limitations is 15 years in South Dakota.

Suppose the Statute of Limitations on your debt has already expired. In that case, the debt collector can still contact you to pursue their debt but cannot file a lawsuit against you because the timeframe for legal action has already passed.

However, it is essential to note that the expiry of the Statute of Limitations on your debt does not automatically cancel the debt; the collection accounts remain in your credit report for up to seven years from the date of your first defaulted payment.

If a debt collector keeps contacting you regarding a time-barred debt, you can request in writing that they stop contacting you.

Make the right defense the right way with SoloSuit.

South Dakota debt collection laws regulate collection activities and protect consumers

The statute of limitations isn't the only consumer-protective law in South Dakota.

Even if you owe a legitimate debt, you’re not at the mercy of aggressive debt collectors. South Dakota debt collection laws protect you from certain debt collection practices.

South Dakota is among the few states that have fully adopted the federal regulations for debt collection as outlined by the Fair Debt Collection Practices Act (FDCPA) without any additions to their state law code. But this act does not dictate interest rates on consumer debts. South Dakota only allows a maximum of 15 percent on legal interest rates and 12 percent on judgment penalties.

Federal law protects you from unfair debt collection practices

The FDCPA regulates debt collection practices in South Dakota and all other states, with violations warranting penalties of up to $1000 and court fee payment. This means that there are laws that protect you as the consumer and govern the actions of debt collectors.

According to the FDCPA, a South Dakota debt collector cannot:

• Contact you before 8.00 am or after 9.00 pm.
• Make contact with your friends or family except to inquire about your contact details.
• Contact anyone else to discuss your debt except you, your attorney, or your spouse.
• Contact you further if you have expressly stated in writing that they cease communicating with you.
• Make false claims or statements regarding the name of their company, who they represent, or the amount you owe.
• Send documents that appear legal or official when they are not.
• Threaten to garnish your wages, arrest you, seize your property or pursue legal action against you unless they intend to follow through and are legally permitted to do so.
• Harass you, including using abrasive language.

If a debt collector ever violates any of these terms, document the incident and report them. You can do this through the Federal Trade Commission (FTC)’s online platform or by calling 877-382-4357. Additionally, you can report violations to the Consumer Financial Protection Bureau (CFPB) on the CFPB website or by calling 855-411-2372.

South Dakota state laws offer additional protections

South Dakota Codified Law §54-4-77 prohibits debt collectors from engaging in the following behaviors:

• Threatening you with violence or harm
• Falsely accusing you of a crime
• Impersonating attorneys or government or law enforcement officials
• Publicizing your financial information (except through a credit bureau)
• Threatening to seize your property or garnish your wages if they do not intend to do so
• Using vulgar or obscene language
• Threatening to collect additional interest or fees if the contract doesn’t permit it

You can report violations to the state’s Office of the Attorney General. This office also offers a Consumer Protection Division handbook that further explains your federal rights and other legal requirements.

Debt collectors must validate your debt

Per state law, collectors must send you a written validation notice of your debt within five days of initially contacting you. You can also use a Debt Validation Letter to insist that the collector provide you with information about your debt. This notice must include:

• The name of your original creditor
• The contract you had with the original creditor
• The amount of debt you owe
• The date of your last payment (if applicable)
• A valid debt collection license number

After receiving this letter, you have 30 days to dispute its contents. After this time, the collector can assume the information is accurate and resume collection efforts.

Debt collectors cannot collect old debt

Debt collectors can only take legal action if your debt falls within the state statute of limitations on debt. After this period expires, your debt will remain, but debt collectors will be unable to sue you to recover it.

In South Dakota, the statute of limitations on debt is six years for credit card debt and most other types of debt (see table above for more information).

Remember: the statute of limitations starts from the date of your last payment — not the date of your original debt. That’s why debt collectors may pressure you to make a “good faith” payment in order to keep your account in good standing.

But if you make this payment, you’ll restart the clock on the statute of limitations, giving your debt collector a longer window in which to take legal action. Instead, make payments only after you negotiate a settlement.

Don't let debt collectors beat you with shady tactics. Stand up for your rights.

Stop wage garnishment in South Dakota

What happens if a creditor sues you and wins? South Dakota courts can grant your creditor certain rights over your finances, including the right to garnish your wages. This means that a portion of each paycheck will automatically go toward your debt.

Thankfully, wage garnishment requires a court order — and even then, South Dakota wage garnishment laws protect you from excessive garnishment.

South Dakota limits wage garnishment amounts

Under South Dakota Codified Law §21-18-51, creditors can only garnish wages up to the lesser of the following amounts:

• 20% of your weekly disposable earnings
• The amount your disposable earnings exceed 40 times the state’s minimum wage ($11.20/hr)

“Disposable earnings” refer to the amount of income you have after mandatory withholdings such as federal and state income taxes. However, voluntary withholdings (retirement or health insurance contributions) are not exempt, which means these amounts can count toward the portion of your paycheck that is garnished.

South Dakota's wage garnishment laws are generally more restrictive than federal laws. For instance, if the court declares that garnishment is the best way to enforce a certain ruling, the state of South Dakota allows garnishment of a maximum of 20 percent of your disposable income. In comparison, federal law allows garnishment of up to 25 percent of your non-exempt wages.

For garnishment summons, the debt collector will serve you a garnishment disclosure in the same manner you were served the debt collection summons and complaint. As the judgment debtor, the law entitles the debt collector to a 120-day lien on your income. A lien is a right given to the plaintiff by the court over your property or income until you clear your debt.

You will then hold the garnished income until the collector applies for and serves an order to release the funds. When that happens, you will be required to hand over all the held funds to the creditor. After serving you with another garnishment disclosure form, the debt collector can renew the lien on your wages for another 120 days.

The law gives you up to five days after being served in person or eight days if served by mail to claim exceptions. If you fail to claim any exceptions, the court will deem it a waiver of the said additional exceptions. If you fail to respond to a garnishment summons within 30 days, a collector may obtain a supplemental judgment against you.

South Dakota exempts certain forms of income from wage garnishment

Creditors can only garnish certain forms of income. Your wages cannot be garnished if you receive income from:

• Social Security
• Welfar
• Child support

If you can prove that wage garnishment submits you to financial hardship, you can receive an exemption that will allow you to afford immediate needs such as rent, food, clothing, and medical expenses. Receiving this exemption is not guaranteed, however.

Bankruptcy can put a halt to wage garnishment

If wage garnishment is taking a major bite out of your paycheck, you can put a stop to it by filing bankruptcy. A Discharge Order will eliminate all dischargeable debts and institute an Automatic Stay, which halts all debt collection efforts.

However, a bankruptcy filing will remain on your credit report for up to 10 years — so it should be a last resort. And since not all forms of debt can be eliminated through bankruptcy, you will still be on the hook for student loans, alimony, child support, and past taxes.

Prevent wage garnishment by avoiding a default judgment

One of the major reasons people lose their court cases is because they fail to respond.

If you do nothing, the court can render a default judgment, which can lead to wage garnishment. Instead, take action by filing an Answer with the court as soon as you can. This Answer prevents you from losing your case automatically and will also give you an opportunity to address your debt or even negotiate a lower settlement.

Protect your wages with SoloSuit.

Check the status of your South Dakota court case

If you’re in the middle of a debt collection lawsuit, you need to keep track of your case. Here’s how to check the status of your South Dakota court case.

Which court is hearing my case?

In South Dakota, civil cases are heard in three levels of courts:

• Magistrate Court
• Circuit Court
• Supreme Court

Most debt collection cases are held in the Magistrate Court in a local courthouse. You can find your local courthouse by searching South Dakota’s online directory.

Access court records online

Access your court records online using your case number, which should be listed on your court documents. If you can’t find your case number, contact the court clerk at your local courthouse.

You can use your case number to search the South Dakota eCourt online access portal. Follow the prompts to register for a free account. Once you register and sign in, you can enter your case number or use the case look-up option, which will find your case based on your full name, case type, and other relevant information.

Access court records in person

You can also access court records at the courthouse that is handling your case. You’ll fill out a form provided to you by the court clerk, who will use that information to find the documents. Depending on your courthouse, you may be able to access your records on a public terminal or print documents for a modest fee.

Tips to tackle debt in South Dakota

Rather than work with expensive lenders for loans that will only worsen your debt problems, you can consider one or more of the strategies listed below to pay off your debt.

Consolidating your debt: Consolidating multiple debts into one loan that requires a single monthly payment can be a great strategy for meeting your debt obligations. However, it is imperative to go over the interest rates of this new loan with your lender, as debt consolidation can sometimes lead to higher interests and more extended repayment periods.

Debt Refinancing: Student loan, mortgage, and auto-loan refinancing are common methods to acquire better loan terms and lower interest rates on debts. Similar to consolidation, refinancing involves negotiating for a new loan to service an already existing debt.

In refinancing, however, payments are not necessarily consolidated into a singular monthly payment. If you have a good credit score, it should be easy to get approval for a new loan with better repayment terms.

Balance transfer card: You can use a balance transfer to pay off your debt faster and at a lower rate. Balance transfers involve transferring an existing debt to a new credit card with preferable terms.

Respond to debt collectors with SoloSuit and win in court.

Legal aid organizations in South Dakota

If you are facing a dire debt situation, reaching out to legal aid organizations and debt relief programs within South Dakota is a great place to start.

You may contact these South Dakota legal aid organizations:

• Freedomdebtrelief; this organization has a debt relief and consolidation program available to South Dakota residents. It provided debt consolidation services.
• lsssd.org; this organization has chapters in South Dakota and other states. You can contact them for individual budget counseling, debt management, and debt education services.
• Moneyfit; you can contact this organization for debt relief services, emphasizing credit card debt and other unsecured debts.

While avoiding debt is not always possible, as a South Dakota resident, you don't have to crush under the weight of unmanageable debt. If you follow the steps detailed in this article, you will navigate your debt collection summons successfully.

The most important thing is to take advantage of available resources to prevent the debt situation from getting worse.

What if I haven't been sued yet?

The first step to take after receiving a debt collection letter or phone call from a debt collector is to validate the debt by confirming the collection agency's name, contact information and then sending a Debt Validation Letter.

In respond to your Debt Validation Letter, collectors must include details about the amount you owe, the name of the original creditor, and the necessary steps to take if you wish to dispute the debt.

Upon receiving validation of the debt, if you realize that you do not owe the debt collector, you should notify the debt collector in writing, asking them to stop contacting you. On the other hand, if you owe the debt collector, you can negotiate a suitable payment plan or a clear timeline to repay the debt with a one-off payment.

In the process, you should keep in mind the statute of limitations on various debts in South Dakota. If the debt you owe is approaching the expiration date of the Statute of Limitations, it is wise to contact a lawyer to discuss the best course of action.

Don't let collectors push you around. Protect your property with SoloSuit.

File an Answer in your local South Dakota court

Ready to prepare and file your Answer? Find your local court below to get started with the process.

• In the Circuit Court County of Custer State of South Dakota
• In the Circuit Court Third Judicial District State of South Dakota County of Codington
• In the Circuit Court Fifth Judicial Circuit State of South Dakota County of Brown
• In the Circuit Court Second Judicial Circuit State of South Dakota County of Minnehaha
• In the Circuit Court Fifth Judicial Circuit State of South Dakota County of Roberts
• In the Circuit Court, County of Todd, Sixth Judicial Circuit, South Dakota
• In the Circuit Court First Judicial District State of South Dakota County of Mccook
• In the Circuit Court First Judicial District State of South Dakota County of Clay
• In the Circuit Court Fourth Judicial Circuit, State of South Dakota, County of Meade
• In the Circuit Court First Judicial Circuit State of South Dakota County of Yankton
• In the Circuit Court Second Judicial Court State of South Dakota County of Miner
• In the Circuit Court Fourth Judicial Circuit, State of South Dakota, County of Butte
• In the Circuit Court Sixth Judicial Circuit State of South Dakota County of Stanley
• In the Circuit Court County of Lincoln State of South Dakota
• In the Circuit Court Seventh Judicial District State of South Dakota County of Pennington
• In the Third Judicial Circuit Court Deuel County, State of South Dakota
• In Circuit Court, First Judicial Circuit Union County, State of South Dakota
• State of South Dakota, County of Charles Mix in Small Claims Court, First Judicial Circuit
• In Circuit Court Fourth Judicial Circuit State of South Dakota County of Lawrence

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

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

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.

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• 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
• 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