
Summary: A motion for summary judgment is a written request to dismiss part or all of a lawsuit without a trial. At the hearing, the court considers evidence that some or all facts of the case have not been disputed.
Summary judgments can feel like a lifesaver or a life ruiner, depending on which side of a case wins the summary judgment. If the judge decides that you don't have a case, it can be frustrating and scary to feel like the court decided against you. On the flip side, it can be a relief to avoid a full trial if you are the one who filed the motion.
So, what exactly is a summary judgment? What happens at and after the hearing? And what's the difference between a trial and a hearing? Let's find out.
What is a motion for summary judgment in a civil case?
The job of a court of law is to deliberate in civil cases when there's a dispute. What if the facts of the case are not disputed? What if one party has evidence proving there's no reason to spend time deliberating? Then the person can send a written request to the court to dismiss the case or the part of the case that is acceptable to both parties. Such a request is called a motion.
In legal terms, a motion is any petition requesting the court to take action. For example, a motion may be submitted to ask the court to block a piece of evidence from being submitted to a trial. Another motion might ask the court to move the trial to a different courtroom.
In a civil case, when someone files a motion for summary judgment, they are asking the court not to go to trial but instead issue a summary judgment. If the court grants the motion, a judgment will be entered into the case, and it will not go to trial.
Let's take a look at an example of a summary judgment in a civil case.
Example: Jackson owes a credit card debt of $1,000 in North Carolina, and after several failed attempts to get him to pay off the balance, the credit card company sues him. Jackson makes an Answer to the lawsuit by himself, denying most of the claims against him, and files it within the deadline. The credit card company's lawyers respond to Jackson's Answer by filing a motion for summary judgment. Along with the motion, the lawyers submit the original contract signed by Jackson, statements of purchases and payments made, and other evidence that a balance remains due and owing. The judge reviews the motion and documentation submitted by the credit card company and decides to grant the motion. With a summary judgment against him, Jackson owes $1,000 plus court costs and fees.
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What's the difference between a hearing and a trial?
A hearing and a trial are court proceedings with different intensities and purposes. The table below summarizes these differences.
| Hearing | Trial |
|---|---|
| Judge considers the evidence and decides on the next step in the presence of both parties | Facts, evidence, affidavits, etc., are examined to decide who is either guilty or innocent |
| Takes a relatively shorter time | Takes much longer |
| Usually less formal | Relatively formal |
| Presided over by a judge | Can be presided over by a judge or a jury |
| Can conclude a case | Almost always concludes a case |
As shown in the table, a hearing doesn't involve lengthy deliberations. But it can be used to finalize a case or take it to trial. In fact, in criminal cases, the court can have preliminary hearings (also called mini-trials) to protect the defendant from facing trial on unfounded charges.
When a lawsuit goes to trial, it is typically because both parties disagree on case facts and proceedings. They have to provide arguments and evidence for the court to decide the case.
That being said, trials and hearings sometimes vary in nature based on the state in which they take place. If you're not sure how a trial or hearing works in your state, you can always call the courthouse and ask a clerk about it. They may not be able to give a detailed answer to the question (because they cannot give legal advice), but they can at least point you in the right direction.
To learn more about how to prepare for court and the difference between a hearing and trial, check out the video below where we interview an attorney and ask questions about the court process.
Request for summary judgment
To be successful in a motion for summary judgment, two items must be proved by the movant (also known as the person making the motion):
- There are no material facts to be disputed.
- Because of the above, the person bringing forth the motion is entitled to judgment.
A motion for summary judgment consists of two main parts:
- The motion is a written request for the court to rule in the movant's favor.
- The memorandum: a memo explaining why the court should rule in favor of the movant must be written in support of the motion.
The “movant” is the individual who is bringing forth the summary judgment. For this to happen, the movant must file their motion for summary judgment with the court. This must be filed by a specific date, and this deadline is set forth in the case scheduling order. The case scheduling order is signed by the court and lists numerous deadlines, including those for filing a motion for a summary judgment. If that date is not included on the scheduling order, check the rules of civil procedures for the court where your case is being handled.
Responding to a motion for summary judgment
The party that is not the movant is considered the “non-moving party.” This person is always allowed to respond to the motion for summary judgment. Known as a “response” or an “opposition motion,” the non-moving party only has a certain amount of time to file it. This amount of time varies from state to state but is typically around 21 days.
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Similar to the original motion, the non-moving party's response will need to consist of two different parts:
- The motion is a written request for the court to rule in the non-moving party's favor.
- The memorandum is awritten memo explaining why the court should rule in favor of the non-moving party.
In responding to a motion for summary judgment, the non-moving party is required to do one of two things. They must either:
- Show that there is a disputed fact: This usually is done by showing evidence.
- Accept that there are no disputed facts: Instead, they may dispute the movant's recitation of the law.
Sometimes the non-moving party may believe that they have not had enough time to uncover all the facts of the case. In this situation, this person may ask for a court continuance, which grants extra time to work on the case. Be careful; there is no guarantee that a court continuance will be allowed in your case.
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Let's continue with Jackson's example. He lives in the state of California, where the court's rules give specific directions regarding the documents needle to both support a summary judgment and those that the non-movant could use to oppose the motion.
So the documents Jackson needs to send to dispute the case should look something like this:
- Memorandum in opposition to the moving party's motion for summary judgment
- A separate statement in opposition to the motion for summary judgment
- Evidence opposing the moving party's motion for summary judgment
- A request for judicial notice in opposition to the motion for summary judgment
Jackson's case, as presented above, would likely not go to trial because none of the facts were disputed. However, if Jackson could have proven that the balance was different from what the movant stated, or had evidence to present showing that the debt was invalid, then the motion for summary judgment would likely have been denied. Jackson could then have filed his own motion for summary judgment, asking the court to dismiss the case against him. The judge would either agree and sign the motion for summary judgment in Jackson's favor, or the case may have proceeded to trial.
What happens during a motion for summary judgment hearing?
Generally, the judge will call both parties to court after the motion has been filed and the response has been made. The response and motion will be read, and then the judge will preside over a hearing.
At the hearing, each party will be given some time to discuss their argument. This is done in front of the judge to facilitate a conversation. The judge will typically follow up with questions towards the end of the hearing should they require additional clarification.
At the end of the process, the judge will grant or deny the motion. If the judge needs extra time, then both parties may need to wait to be notified. This can take days, weeks, or even months, depending on the situation.
Although you may have submitted written testimony, a hearing on a motion for summary judgment does not involve oral testimony. Because of this, if you have a lawyer, they may not even ask you to be present at the hearing. This varies from case to case and lawyer to lawyer. If you are representing yourself, then you will need to be present.
What happens after a motion for summary judgment hearing?
There are a number of possibilities
- If the judge grants the summary, the case concludes, and a summary judgment is ordered. The non-moving party may accept or appeal the outcome for another hearing.
- If the motion is denied, the court schedules a trial date.
- If certain material facts are still disputed, then those are deliberated at a trial.
A motion for summary judgment is a tool that helps prevent a backlog of unnecessary court cases. It can also help you avoid a lengthy trial if you have the necessary facts. For example, if a debt collector takes you to court and the debt is not yours, you can supply the facts to make the judge dismiss the case.
Keep in mind that it is pretty difficult to get a motion for summary judgment granted. The burden of proof rests heavily on the party that files this type of motion, and the party that responds doesn't have to prove their side of the case but rather provide some evidence there is reason to dispute the original claims.
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 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
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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
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- Arnold Scott Harris
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- ARS National Services
- ARstrat
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- Asset Recovery Solutions
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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
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- Illinois Court Case Search — Find Your Lawsuit
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- Michigan Court Case Search — Find Your Lawsuit
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- Missouri Court Case Search — Find Your Lawsuit
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- Negotiate Debt With Crown Asset Management
- Nevada Court Case Search — Find Your Lawsuit
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- 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

