Debt Collection Litigation Industry Report 2023

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Table of Contents

• Introduction
• Executive Summary
• We drew data from three sources
• While household debt has increased, the volume of debt collection lawsuits has decreased
• Total US household debt has been rising since 2013
• The volume of debt collection lawsuits has decreased in recent years
• Case volume varied over the past year
• Original creditors are historically the most common plaintiffs
• Debt buyers have become more litigious than original creditors
• Top debt buyers may increase purchasing and collections in the near future
• Collectors are aided by debt collections law firms
• Top debt collection law firms 2000-2023
• Top debt collection law firms 2022-2023
• Consumers are underrepresented in debt collection cases
• SoloSuit empowers consumers to resolve lawsuits on their own
• SoloSuit has helped people respond to over $800 million in debt lawsuits
• SoloSuit customers experience favorable outcomes
• SoloSuit has helped consumers file into over 4,200 courts
• Conclusion: a tidal wave of debt lawsuits is imminent
• What is SoloSuit?

Introduction

At SoloSuit, we converse daily with people who have negative monetary net worth and have been sued by the world’s largest multi-billion dollar banks. We wanted to know the prospects of these people, our customers, and people like them. So, we wrote this report.

The goal of this report is to compare previous trends in debt collection cases to current trends and to predict debt collection lawsuits to come as a reflection of the US economy’s current state.

Executive summary

Whereas US household debt has continued to increase, the number of debt lawsuits filed in the most populous counties of California, Florida, and Texas has decreased significantly since the onset of the pandemic. Debt purchasing as reported by two of the major debt buyers in the US, PRA Group, Inc. and Encore Capital Group, Inc., also slowed after the beginning of the pandemic but has recently begun to accelerate.

Based on this increase in US household debt and simultaneous decline in debt lawsuits since the COVID-19 pandemic hit, we suspect a dramatic increase in debt lawsuits in the next few years is imminent as the economy recovers from the pandemic’s effects, debt buyers purchase more debt portfolios, and consumers return to pre-pandemic spending habits.

SoloSuit is positioned to help consumers resolve their debts, and will do so in partnership with creditors, collectors, and courts.

We drew data from three sources

The data in this report primarily comes from three sources: aggregated docket information from Unicourt, 10-Ks, and internal data from SoloSuit.

In order to represent the US debt litigation industry, we took a sample size of debt collection litigation data from the five most populous counties in California, Florida, and Texas. The data was pulled from UniCourt, which collects data from State and Federal courts throughout the US. We extrapolate from this data to infer national trends.

The data ranges from January 2000 to January 2023 and was pulled from the following courts, unless otherwise noted.

California

• Los Angeles Superior Court
• Orange County Superior Court
• Riverside County Superior Court
• San Bernardino County Superior Court
• San Diego County Superior Court

Florida

• Broward County Circuit Courts
• Broward County Courts
• Seventeenth Circuit Courts of Broward County
• Florida Dade Court System
• Florida Hillsborough Court System
• Orange County Circuit Courts
• Orange County Courts
• Florida Palm Beach Court System

Texas

• Bexar County District Courts
• Dallas County Courts
• Dallas County District Courts
• Harris County Courts
• Harris County Justice Courts
• Harris County District Courts
• Tarrant County Courts
• Tarrant County Justice Courts
• Travis County Courts

We also analyzed collections data from two major debt buyers, PRA Group, Inc. and Encore Capital Group, Inc., pulled from each corporation’s 10-K form from the fiscal year ending in December 2022.

Finally, we present internal data from SoloSuit. This includes anonymized and aggregated customer inputs and research from the court case outcomes of 177 paying SoloSuit customers. Case outcomes were collected internally by searching online court records and calling court clerks.

While household debt has increased, the volume of debt collection lawsuits has decreased

Total US household debt has been rising since 2013

During the Great Recession, US household debt peaked in Q3 of 2008, at $12.68 trillion. National debt has now surpassed that previous peak and has risen to $17.04 trillion as of Q1 of 2023.

The volume of debt collection lawsuits has decreased in recent years

The volume of debt collection lawsuits has decreased in recent years in the most populous counties of California, Florida, and Texas. This section displays graphs representing debt collection lawsuits filed in the most populous counties of California, Florida and Texas from 2000-2023.

Debt collection lawsuits in California skyrocketed in 2007-2009 in connection with the Great Recession. 2008 holds the record for most California debt collection lawsuits in the last twenty-three years, with a recorded total of 248,217 cases. Over the succeeding years, instances of California debt collection cases dramatically dropped as the nation’s economy recovered, with the lowest instances occurring in 2015 at 78,897 cases. A steady incline of debt lawsuits occurred after the low of 2015, rising in 2019 to 211,130 cases, which was notably still lower than the 2008 peak.

The trendline for debt collection cases in Florida is similar to that of California. Florida debt collection lawsuits spiked in 2009, reaching 88,725 cases. Volume then decreased to 49,936 cases in 2014 before again starting to rise. Unlike in California, in Florida the upward trend continued to 2021 with 92,865 cases before dropping to 71,498 in 2022.

Note: The graph above shows data pulled from the Dallas County Courts, Dallas County District Courts, Harris County Courts, Harris County Justice Courts, and Harris County District Courts. Data from Bexar, Tarrant, and Travis counties were not available for these years.

The trendline in Texas is again similar to that of California and Florida. Cases peaked around 2007 and then rose again in 2019 to 98,540, before decreasing over the last few years.

In each of these states, debt lawsuits increased as US household debt also increased, until around 2020.

In 2020, however, the number of debt lawsuits in each state diverged from the trend of national household debt. Instead of the number of lawsuits increasing with the amount of household debt, the number of lawsuits decreased. This delta concerns us. Over the past two years since the onset of the pandemic, the number of debt lawsuits should have continued to increase, instead it decreased. We consider two possible reasons to be most likely.

As explained in a later section, collectors recovered debts more easily during this period because consumers had higher liquidity due to government stimulus spending and policies. Since collection was easier, collectors likely did not use litigation as frequently to collect. It is also possible that consumers merely managed to delay lawsuits by paying down balances with their short-lived liquidity.

Alternatively, debt lawsuits may have decreased because courts became less accessible. For a period in 2020, many courts were closed. Combined pandemic regulations may have made it more difficult for collectors to use courts. Also, creditors may have wanted to avoid negative attention around accessing courts for the purposes of collecting debt during the pandemic.

Either way, even though consumers were paying off collections more frequently during this period, they didn’t stop amassing new debt. And now that consumer liquidity is down as stimulus spending has slowed, debt lawsuits will likely return to pre-pandemic levels or higher. The delta between the number of lawsuits that occurred and the number of lawsuits that would have normally occurred could represent the number of lawsuits that are due as stimulus spending decreases and the economy returns to normal. For example, in the California counties alone, we estimate 240,000 debt lawsuits have been delayed since 2020.

We predict that the increase in household debt over the past several years will bring with it a delayed wake of debt collection lawsuits in each state and likely across the country.

Case volume varied over the past year

This section displays data that represents debt collection lawsuits filed in 2022 in the most populous counties of California, Florida and Texas.

As illustrated, California debt collection cases were filed at a steady rate throughout 2022, with a small increase during the summer months of June-August and a decline at the end of the year in December. The Fed reported a steady increase in household debt with each quarter of 2022. However, the rate of California debt collection cases remained level as household debt increased.

Florida debt collection case filings remained consistent throughout most of 2022, but the numbers plummeted in the last two quarters. Florida debt collection cases peaked in June with 7,716 cases, and from there, cases steadily dropped throughout the rest of the year, reaching as low as 3,834 cases by the end of December. Like California’s numbers for 2022, Florida’s debt collection cases do not follow the trends in household debt as reported by the Fed. With each quarter, the household debt increased in 2022, but Florida debt collection lawsuits decreased in the latter half of the year.

Texas debt collection case trends in 2022 experienced an opposite effect when compared to Florida, with the numbers consistently increasing throughout the year at 4,484 cases in January, peaking at 7,789 cases in October, and ending with 6,046 cases in December.

Original creditors are historically the most common plaintiffs

Debt collection lawsuits are generally initiated by one of two parties: the original creditor or a debt buyer. Creditors and lenders are usually banks or credit card companies, while debt buyers are considered debt collection agencies.

Debt buying is the practice of purchasing charged-off or delinquent accounts from creditors and lenders. Creditors compile old debt accounts into portfolios and sell them to debt buyers who typically purchase these accounts for a fraction of the original amount. After purchasing the debt for a fraction of its value, the debt buyer contacts the debtor to collect on the full debt amount. Most of the major debt collection agencies in the US are debt buyers.

This section displays data that represents the top 20 parties in debt collection lawsuits and the number of cases they filed, as reported in the most populous counties of California, Florida and Texas from 2000-2023.

This graph shows Capital One USA filed 285,161 cases in the California counties from 2020-2023.

This graph shows Capital One Bank filed 100,288 cases in the Florida counties from 2020-2023.

This graph shows Portfolio Recovery Associates, L.L.C filed 104,532 cases in the Texas counties from 2000-2023.

Case data shows there were some key players in the debt collection industry from 2000-2023 in the most populous counties in California, Florida, and Texas. 8 companies ranked in the top 20 debt collection parties for each of the three states analyzed: Capital One, Midland Funding LLC, Portfolio Recovery Associates LLC, Discover Bank, LVNV Funding, Bank of America, American Express, and Cavalry SPV I, LLC.

Below, we describe each of these parties and the number of debt collection cases they filed across the three states, according to our sample data.

1. Capital One - 440,658 cases: Capital One is one of the most litigious banks and credit card issuers in the US, having filed 440,658 debt collection lawsuits from 2000-2023, the highest number from our data set. Capital One is one of the largest retail banks in the US and offers credit card solutions along with banking options.
2. Midland Funding, LLC - 407,477 cases: Midland Funding, also known as Midland Credit Management, is a debt buyer and one of the nation's largest owners of unpaid debts. Owned by Encore Capital Group, Midland Funding specializes in purchasing accounts that have been charged off by the original lender or creditor and collecting on the full balance.
3. Portfolio Recovery Associates - 379,379 cases: Portfolio Recovery Associates, another debt buyer, purchases delinquent and charged-off accounts for a fraction of the original debt value and collects on the full amount. Portfolio Recovery Associates is a subsidiary of PRA Group, Inc.
4. Discover Bank - 257,073 cases: Discover Bank is an online bank, credit card brand issuer, and lender of home, personal, and student loans. It is the second most litigious bank from our data set.
5. LVNV Funding - 186,059 cases: LVNV Funding, owned by Sherman Financial Group, is also a debt buyer and one of the most litigious debt collection agencies in the US.
6. Bank of America - 183,143 cases: Bank of America N.A. is an international investment bank and financial services holding company and also one of the largest banks in the US.
7. American Express - 145,239 cases: American Express is one of the leading credit card companies in the United states. The company offers traveler’s cheques, credit cards, loans, banking services, and financial services for business customers. Some of the aliases American Express uses are American Express Centurion Bank, American Express Ltd., and American Express National Bank.
8. Cavalry SPV I LLC - 134,403 cases: Cavalry SPV I LLC, also known as Cavalry Portfolio Services, is a debt collection company that purchases debts in bulk from credit card and loan companies at a discounted rate.

Debt buyers have become more litigious than original creditors

The following section displays data that represents the top 20 parties in debt collection lawsuits, based on the number of cases filed, in the most populous counties of California, Florida and Texas from January 2022 to January 2023.

This graph shows Cavalry SPV I, LLC filed 13,317 cases in the California counties from January 2022 to January 2023.

This graph shows LVNV Funding, LLC filed 7,428 cases in the Florida counties from January 2022 to January 2023.

This graph shows LVNV Funding, LLC filed 11,773 cases in the Texas counties from January 2022 to January 2023.

Eleven key players in the debt collection litigation industry ranked in the top 20 plaintiffs for each state from 2022-2023. Below, these key players are listed in order of the number of cases filed:

1. LVNV Funding, LLC - 27,369 cases
2. Midland Funding - 19,713 cases
3. Portfolio Recovery Associates - 19,454 cases
4. Capital One - 17,533 cases
5. Cavalry SPV I, LLC - 17,439 cases
6. Discover Bank - 16,245 cases
7. Bank of America N.A. - 13,735 cases
8. TD Bank USA - 7927 cases
9. American Express - 6,897 cases
10. Synchrony Bank - 6760 cases
11. Jefferson Capital Systems - 6236 cases

Only two of the key players from 2022-2023 were new when compared to the key players from the past two decades: Synchrony Bank and Jefferson Capital Systems. Synchrony Bank is an online bank that finances credit cards for a variety of industries, including digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet and more. Jefferson Capital Systems is one of the nation’s leading debt buyers and collection agencies.

In comparing the major debt collection parties list from the 2000-2023 data to the 2022-2023 data, it is clear that debt buyers have become more prominent in debt collection lawsuits than creditors or banks. Debt buyers held the number-one position in all three states in 2022, whereas Capital One, an original creditor, held the position historically.

The data from this section suggests that the prevalence of debt-buying has increased over the past two decades.

Top debt buyers may increase purchasing and collections in the near future

When purchasing old debts from creditors and banks, debt buyers pay only 4 percent of the original debt amount on average. If they can collect the full amount from the consumer, they make a huge profit. PRA Group, Inc. and Encore Capital Group, Inc. are two such debt buyers that purchase millions of dollars worth of debt and collect two to three times as much in revenue annually.

PRA Group, Inc. is a global debt buyer and one of the biggest debt purchasers in the United States. Headquartered in Virginia, PRA Group, Inc. operates in the US, Canada, Australia, and throughout Europe. Portfolio Recovery Associates LLC is the US subsidiary of PRA Group, Inc. and one of the top debt collection agencies in the US since 2000.

Encore Capital Group, Inc. is one of the largest debt buyers in the United States. Both Midland Funding and Midland Credit Management, Inc. are subsidiaries of Encore Capital Group, both of which are key players in the US debt collection industry.

The line graphs below show debt collection trends from PRA Group, Inc. and Encore Capital Group, Inc. as reported in each corporation’s 10-K form from the fiscal year ending in December 2022. PRA Group, Inc. reports collection trends combining data from the US, Canada, and Australia, so the graph below depicts such trends. As for Encore Capital Group, Inc. the graph below depicts data solely collected from the company’s US subsidiary, Midland Credit Management, which performs collections activities for Encore’s other US subsidiary, Midland Funding.

The data for the graphs is organized by portfolio. So, each year shows the data relevant to the debt portfolio purchased in that year. The following are definitions of some of the trends analyzed in these graphs.

• Purchase price: The amount paid to a seller to acquire the portfolio for the respective year.
• Total estimated collections: The actual cash collections plus estimated remaining collections on portfolios purchased in the respective year.
• Estimated remaining collections: The sum of all future projected cash collections on portfolios purchased in the respective year.
• Actual collections: The actual cash collections that occurred on portfolios purchased in the respective year.

Both PRA Group, Inc. and Encore Capital Group, Inc. reported that collection trends have been unusual over the past few years. In 2022, total gross collections decreased for both companies. This was a result of two factors. One, both corporations scaled back their debt purchases. And, two, consumer liquidity normalized: consumers no longer have access to as much government stimulus spending as they did in 2021.

PRA Group’s total estimated collections dropped from $1.26 billion in 2013 to $993.2 million in 2015. This number rose again after 2015, hitting its peak in 2018 at $1.6 billion. After 2018, total estimated collections steadily dropped again until hitting an all-time low in 2022 at $773.2 million.

As for PRA Group’s purchase price, trends matched the ebb and flow of total estimated collections, beginning at $618.7 million in 2013 and dropping to $506.3 million by 2015. Purchase price increased again after 2015, peaking at $808.1 million in 2017 and decreasing to an all-time low of $439.5 million in 2022 as PRA Group decreased its debt purchases in response to the COVID-19 pandemic.

Predictably, estimated remaining collections increased over this same time period, beginning at a baseline of $17.2 million in 2013 and rising to $702.8 million by the end of 2022.

So for 2022, PRA expects to collect $773.1 million on portfolios it purchased for $439.5 million in that same year, and it has $702.7 million left to collect. The amount remaining to be collected is higher for more recent years because it takes time to collect on these debts: a significant amount remains uncollected on the 2022 portfolio because it was only recently purchased.

Encore Capital Group’s total estimated collections started at $1.75 billion in 2013, dropped to $925.8 million in 2015, and rose again to its peak at $1.77 billion in 2019 before it dropped again to $969.6 million in 2021 as an effect of the COVID-19 pandemic.

Encore Capital Group’s purchase price of nonperforming loans started out at a plateau from 2013 until 2017, and started to increase thereafter, peaking at $675.9 million in 2019 and dropping again to an all-time low of $404.8 million in 2021 as the corporation scaled back on debt purchases in response to the COVID-19 pandemic. Note that from 2019-2022, purchase price trends mirrored total estimated collections trends.

As we would expect, Encore Capital Group’s actual collections are lower on more recent portfolios and its estimated remaining collections are higher for more recent years. Again, it takes time to collect on purchased portfolios. The amount remaining to be collected for the 2022 portfolios is $1.1 billion.

As illustrated by these graphs, the total estimated collections and actual collections reported by PRA Group, Inc. and Encore Capital, Inc. correspond with trends in US household debt and the number of debt collection lawsuits filed in our samples from California, Florida, and Texas. As seen in both graphs, collections numbers declined from 2013 to 2015, gradually increased until hitting a peak in 2018 and 2019, and dropped again after the COVID-19 pandemic hit.

For both companies, estimated remaining collections are high, especially in recent years, showing that there are billions of uncollected dollars in queue. Since household debt has risen but debt lawsuit volume has decreased, this has created a large delta representing money that collectors will attempt to collect in the near future. Encore Capital Group’s report shows an uptick in purchasing in 2022, suggesting they are ramping up for more collections in the future. We expect this trend to continue and that PRA Group will follow suit. Finally, since consumer liquidity has normalized, these collectors will need to rely more on litigation to collect these debts.

Collectors are aided by debt collection law firms

When original creditors or debt buyers become plaintiffs by suing to collect on a debt, they hire law firms to represent them. Most law firms involved in debt lawsuits specifically specialize in debt collection litigation. Also known as debt law firms, these organizations focus on representing creditors and debt-buyers in debt collection cases. Debt law firms have a systematic approach to debt collection.

Some debt collection agencies, like Portfolio Recovery Associates and Midland Funding, also have internal legal teams that take on accounts escalated to litigation. Likewise, some banks and creditors also have internal legal teams like JPMorgan Chase Bank.

Top debt collection law firms 2000-2023

The following section displays data that represents the number of debt collection cases filed by the top 20 law firms representing plaintiffs in the most populous counties of California, Florida and Texas from 2000-2023.

Much like the debt collection parties, there are several key players for debt collection representation. These key law firms stand out in terms of the number of debt collection cases filed from 2000-2023 in the most populous counties of California, Florida, and Texas. Below, we identity five of the major debt collection law firms according to the combined data:

1. Scott & Associates, PC - 173857 cases: Scott & Associates, PC is a multi-state debt collection law firm that serves national, state and local financial institutions throughout the southeastern and northeastern United States.
2. Zwicker & Associates, PC - 110,555 cases: Zwicker & Associates, PC is a debt collection law firm doing business in all 50 states. This firm helps litigate debt collection lawsuits resulting from personal and student loans, delinquent credit cards, business loans, lines of credit and receivables.
3. Midland Funding - 82,689 cases: Midland Funding, also known as Midland Credit Management, is a debt collection agency that is a wholly owned subsidiary of Encore Capital Group. Midland has an internal team of attorneys that sometimes represents the company when accounts are escalated to litigation.
4. Rausch Sturm LLP - 80,241 cases: Rausch Sturm is a debt collection law firm representing banks and creditors in debt collection lawsuits throughout the US.
5. Pollack & Rosen, PA. - 79,118 cases: Pollack & Rosen, PA is one of Florida’s largest debt collection firms and offers comprehensive collection services nationwide. Pollack & Rosen specifically represents financial institutions, large debt purchasers, national collection agencies, healthcare companies, hospital medical professionals, and commercial entities in debt collection lawsuits throughout the US.

Scott & Associates, PC mainly operates in Texas and California, but from 2000-2023 it is clear that this law firm filed most of its debt collection cases in Texas. On the other hand, Zwicker & Associates has offices in several states throughout the US, and its firm appeared in the top 20 debt collection law firms in California, Florida, and Texas. Similarly, Midland Funding’s legal team operates throughout the US, and it also appeared in the top 20 debt collection law firms for all three states analyzed.

Top Debt Collection Law Firms 2022-2023

The graphs below present data that represents the number of cases filed from January 2022 to January 2023 by the top 20 debt collection law firms in the most populous counties of California, Florida, and Texas.

Based on the data from 2022-2023, the major players for debt law firms filing debt lawsuit cases from the states analyzed are:

1. Scott & Associates, PC - 33,220 cases: See above.
2. Midland Funding - 13,924 cases: See above.
3. Mandarich Law Group, LLP - 12,064 cases: Mandarich Law Group is a California-based debt collection firm that collects on consumer and commercial debt.
4. Patenaude & Felix - 11,872 cases: Patenaude & Felix APC is a debt collection law firm with offices throughout the western United States and Pennsylvania.
5. Nelson & Kennard - 11,597 cases: The Law Offices of Nelson & Kennard is a debt collection law firm specializing in the debt collection of automobile deficiency balances, credit cards (both direct placement and purchased debt), consumer lines, commercial and mortgage.

Scott & Associates remained in the top spot with the most debt collection lawsuits filed in 2022-2023. Likewise, Midland Funding remained one of the leading debt collection law firms throughout 2022-2023. Mandarich Law Group, Patenaude & Felix, and Nelson & Kennard all joined the ranks as some of the leading debt collection firms based on our data from California, Florida, and Texas.

Consumers are underrepresented in debt collection cases

Whereas creditors and collectors nearly always have attorney representation in debt collection cases, consumers usually do not. This section displays data that illustrates attorney representation in debt collection cases in the most populous counties of California, Florida and Texas from 2000-2023. More specifically, it shows the number of debt cases taken by the top 20 attorneys representing plaintiffs and the top 20 representing defendants, and compares the numbers for each.

In California, the 20 most popular plaintiffs attorneys represented plaintiffs in 614,958 debt collection cases from 2000-2023, while the 20 most popular defense attorneys represented defendants in 12,982 cases.

In Florida, the 20 most popular plaintiffs attorneys represented plaintiffs in 358,495 debt collection cases from 2000-2023, while the 20 most popular defense attorneys represented defendants in only 27,075 cases.

In Texas, the 20 most popular plaintiffs attorneys represented plaintiffs in 324,229 debt collection cases from 2000-2023, while the 20 most popular defense attorneys represented defendants in only 46,564 cases in the same time period.

This data could be interpreted to suggest that defendants hire a larger variety of attorneys. But we find it illustrates that defendants are underrepresented in debt collection cases. It corresponds with research that shows less than 10 percent of defendants are represented in these lawsuits.

SoloSuit empowers consumers to resolve lawsuits on their own

SoloSuit was built to give unrepresented consumers in debt lawsuits a fighting chance. Our mission is to close the justice gap by making people superhuman at winning disputes.

Without SoloSuit, consumers lose by default judgment about 90 percent of the time. They never get their chance in court. They lose automatically because they can’t figure out how to create and file an Answer document within the deadline. With SoloSuit, consumers avoid default judgment by filing their Answer in court on time.

Beyond just responding, SoloSuit helps consumers achieve good case outcomes. We do this in part by partnering with courts and collectors.

SoloSuit has helped people respond to over $800 million in debt lawsuits

SoloSuit has helped 135,000 people respond to over $800 million in debt lawsuits. The following table shows the top aggregate amounts in controversy and number of cases that we have helped consumers defend per plaintiff. The amount in controversy is based on inputs from our customers.

Plaintiff	Cases	Amount
Discover Bank	4,741	$45,100,000
Bank of America, N.A.	3,747	$43,700,000
LVNV Funding LLC	7,401	$31,726,000
Capital One, N.A.	4,164	$28,917,000
American Express National Bank	1,765	$28,494,000
Midland Credit Management, Inc.	6,194	$24,458,000
JPMorgan Chase Bank, N.A.	1,857	$23,761,000
Portfolio Recovery Associates, LLC	5,162	$21,686,000
Wells Fargo Bank, N.A.	1,364	$16,361,000
Velocity Investments, LLC	1,411	$15,079,000
Citibank, N.A.	1,813	$12,261,000
U.S. Bank National Association	520	$12,044,000
Cavalry SPV I, LLC	1,730	$10,505,000
Synchrony Bank	1,276	$7,395,000
OneMain Financial Group, LLC	822	$6,830,000
Jefferson Capital Systems, LLC	1,175	$5,980,000
Goldman Sachs Bank USA	439	$5,482,000
Absolute Resolutions Investments, LLC	658	$5,477,000
Crown Asset Management, LLC	767	$4,772,000
UT Federal Credit Union	323	$4,682,000
Credit Acceptance Corporation	363	$4,496,000

According to our data, SoloSuit helps consumers defend themselves in debt lawsuits against creditors, banks, financial institutions, debt collection agencies, and debt buyers alike. SoloSuit is working with these organizations to find creative ways to resolve these debts.

SoloSuit customers experience favorable outcomes

SoloSuit customers avoid default judgments. Once they respond to the lawsuit, one of three outcomes occur: the case is dismissed and the customer wins, the customer loses, or the customer settles.

The graph below is based on the review of case outcomes of a sample of 177 paying SoloSuit customers. Because courts do not make their outcomes available in a uniform and scalable way, this review requires intensive manual research, making it prohibitive to review the outcomes for all of our cases.

Surprisingly, nearly 25 percent of cases are dismissed after the defendant merely files an Answer. This high dismissal rate suggests these cases were initiated with insufficient evidence or they were filed against defendants who didn’t owe the debt.

32 percent of cases either move to discovery or are waiting for the next step in the lawsuit process, having effectively prevented a default judgment. We consider “pending” cases to be a victory for our customers as many customers use SoloSuit to “buy themselves” time — usually to file for bankruptcy or discuss debt settlement options.

In 36 percent of cases, the plaintiff was awarded a judgment against the consumer. This category includes various types of judgments. Summary judgments were awarded early in some cases. Some judgments were awarded at the end of a case after a hearing. A few default judgments were granted when the customer failed to use our service effectively before their deadline. Many of these judgments were actually stipulated judgments which are filed frequently when a settlement is reached.

In 7 percent of cases, a settlement without a judgment was recorded. These settlements likely resulted from a lump-sum payment for a fraction of the debt. These agreements may have been initiated by the defendant or the plaintiff.

In summary, consumers use SoloSuit to respond to debt lawsuits and successfully overcome the first hurdle of default judgment. From there, most SoloSuit customers go on to achieve favorable outcomes such as dismissal, settlement, extension of the lawsuit, or stipulated judgments more than 64 percent of the time. We are actively engaged in making these outcomes even better for all customers by partnering with courts to file documents effectively.

SoloSuit has helped consumers file into over 4,200 courts

SoloSuit has helped customers file documents into over 4,200 courts throughout the US. SoloSuit maintains a database of all of the most popular civil courts in the country that have jurisdiction over debt lawsuits. We use this database to automatically calculate filing information, including court mailing addresses, style requirements, and filing fees.

28 percent of these courts require the defendant to pay a filing fee to avoid losing their debt lawsuit by default judgment. SoloSuit’s database includes these filing fees, which are egregious. For example, in California, a defendant may have to pay up to $450 just to respond to their lawsuit. It is prohibitively difficult for consumers to calculate their own filing fees as court clerks are rarely aware of the fee amounts, and the fee schedules are usually only available online as a PDF.

The map below shows the range of filing fees for each state.

Conclusion: a tidal wave of debt lawsuits is imminent

Since 2019, national household debt has continued to swell to new heights, whereas debt lawsuit volume has decreased dramatically. As conditions normalize post-pandemic, we expect to see lawsuit volume return to pre-pandemic levels and to continue to rise.

As such, we predict a tidal wave of debt lawsuits is imminent. SoloSuit will be here to help mediate between consumers and collectors, having extensive experience assisting consumers in responding to debt lawsuits involving the nation’s top creditors and collectors.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>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.)

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.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• ABC Financial Club Charge
• Ability Recovery Services
• Absolute Resolutions Investments
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Ace Cash Express
• ACEI Collections
• ACS Ed Services
• Ad Astra Recovery Services
• Advanced Recovery Systems
• Advantage Collection Professionals
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Allied Collection Services
• Alltran Financial
• Alorica Inc.
• Alpha Recovery Corp
• Amcol Systems
• American Credit Acceptance
• American Coradius International
• American Express
• American Express
• American Express
• American Recovery Service
• Americollect
• Americollect
• Amerifinancial Solutions
• AmSher Collection Services
• Apelles LLC
• Apex Asset Management
• Arcadia Recovery Bureau
• Armada Corp
• A.R.M. Solutions
• Arnold Scott Harris
• AR Resources
• Arrow Financial Services
• AscensionPoint Recovery Services
• American Profit Recovery
• ARC Collections
• ARS National Services
• ARstrat
• ASG Recovers
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Avante USA
• Atradius Collections
• Automated Collection Services Inc.
• Autovest LLC
• AWA Collections
• Balanced Healthcare Receivables
• Bank of America
• Bank of America
• Barclay
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Best Buy Credit Card
• Blitt & Gaines
• Bluebonnet Financial LLC
• Bonneville Collections
• Brock and Scott PLLC
• Brown and Joseph
• Bull City Financial
• The Bureaus Inc.
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• Capital One
• Capital One
• CardWorks
• Carter Young Collections
• Cascade Receivables Management
• Cavalry SPV I LLC
• CCB Credit Services
• CCB Springfield IL
• CBCS Collections
• CBE Group
• CBM Services
• CBV Collections
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Chase
• Choice Recovery
• Citibank
• Citibank
• CKS Financial
• CKMS
• Client Services
• CMRE Financial Services
• Coast Professional
• Consumer Collection Management
• Consumer Portfolio Services
• Comenity Bank Debt Collection
• Commercial Acceptance Company
• Commonwealth Financial
• Commonwealth Financial Systems
• ConServe Debt Collection
• Contract Callers Inc
• Collection Bureau of Hudson Valley
• Colinfobur
• Couch Lambert
• CRDT First
• Credence Resource Management
• Credence Resource Management
• Credco
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit One Bank
• Credit Systems International
• Crown Asset Management
• CSIEZPay
• C Tech
• CVCS
• D&A Services
• Daniels Norelli Cecere & Tavel P.C.
• DCM Services
• Delta Outsource Group
• Department Stores National Bank
• Designed Receivable Solutions
• Discover
• Discover
• Discover Collections
• Direct Recovery Associates
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Accounts Group Inc.
• Eagle Loan of Ohio
• Eastern Revenue Settlement
• Eastern Account System
• EduCap
• Encore Capital Group
• EOS CCA
• Equable Ascent Financial
• Equinox Collections
• ER Solutions
• Estate Information Services
• Everest Business Funding
• Evergreen Professional
• Express Recovery
• Faber and Brand
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• Financial Recovery Services
• First Financial Bank
• First Federal Credit Credit Control
• First Financial Asset Management
• FirstPoint Collection Resources
• FirstPoint Coll Resources Inc.
• First Portfolio Ventures LLC
• Firstsource Advantage
• First Progress
• FNB Omaha
• FMA Alliance
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Frontline Asset
• Frost Arnett
• Galaxy International Purchasing LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Lending Services
• Global Payments Check Services
• Global Trust Management
• GLA Collections
• 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
• 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
• 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 (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