Other Debt Resources
Debt Collection Agency List (2026)
As of 2025, there are nearly 6,000 debt collection agencies in the U.S. This $13.4 billion industry generates more fraud reports to the FTC than any other.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
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Bankruptcy
The Pros and Cons of Chapter 13 Bankruptcy
Chapter 13 bankruptcy lets you keep assets while paying debt on a 3-5 year plan, but it stays on credit reports for 7 years and requires regular income.
Legal Aid
Mediation - Definition
Mediation is a structured process negotiation process that assists two parties in coming to a resolution without having to deal with the court system.
Credit
Why is THD/CBNA on my credit report?
THD/CBNA is one of the codes that appear on your credit report when you apply for a Home Depot credit card issued by Citibank.
Debt Collector Guides
Sued by D&A Services? How to Settle It
If sued by D&A Services, respond promptly to avoid default judgment. Validate the debt, assert defenses, and negotiate a settlement to resolve it.
Debt Collector Guides
How to Resolve a National Recovery Solutions Lawsuit
If sued by National Recovery Solutions, respond on time with an Answer, demand validation, raise affirmative defenses, or negotiate a settlement.
Debt Documents and Templates
How to send Santander a settlement letter
Send Santander a settlement letter by writing to their resolution department, offering 40-60% as a lump sum, and getting the agreement in writing first.
Debt Collector Guides
How to End Debt With First Progress
If sued by First Progress for credit card debt, respond fast with an Answer, demand debt validation, check for inaccuracies, and negotiate to settle.
Other Debt Resources
How to identify fake and abusive debt collectors
Even if you owe some debt, no one has the right to mistreat you in an attempt to collect a debt. Debt collectors are bound by the FDCPA.
Other Debt Resources
How to dispute a rental collection
To dispute a rental collection: request debt validation within 30 days, check your credit report, send a dispute letter, or try a pay-for-delete offer.
Debt Collector Guides
How to Resolve a Discover Collections Debt
Resolve debt with Discover Collections by validating the debt, responding to lawsuits on time, raising defenses, and negotiating a settlement.
Other Debt Resources
What are the different types of debt?
The main types of debt are secured (backed by collateral like mortgages and auto loans) and unsecured (credit cards, medical bills, personal loans).