Debt Settlement
How Long to Improve Credit Score After Debt Settlement?
Debt settlement stays on your credit report for 7 years, but you can boost your score in 6-24 months. Settlement is better than not paying at all.
Debt Collection Blog
Legal Aid
How to File a Civil Answer With the Duval Clerk of Courts
In Florida, you must file an answer within 20 days of being served a lawsuit. This prevents the court from entering a default judgment against you.
Statute of Limitations on Debt
Statute of Limitations on Debt Collection in New Mexico
The statute of limitations on credit card debt in New Mexico is six years, but for debts with oral contracts or open accounts, the statute is four years.
Debt Collector Guides
How to Negotiate with an American Express Debt Collector
Respond to an American Express debt collector by validating the debt, refusing to admit liability, raising defenses if sued, and considering a settlement.
Debt Collector Guides
How to Settle Debt With North American Recovery
Settle debt with North American Recovery by responding to lawsuits on time, demanding validation, and negotiating a written settlement for less than you owe.
Debt Collection FAQs
Can a Debt Collector Freeze Your Bank Account?
Debt collectors can freeze your bank account after winning a court judgment. To unfreeze it, vacate the judgment, satisfy the debt, or file for bankruptcy.
Debt Documents and Templates
Fair Debt Collection Practices Act Demand Letter Sample
FDCPA demand letters come in two types: cease and desist (disputes the debt) or refusal to pay. Send yours via certified mail to halt collector contact.
Medical Debt
Is There a Statute of Limitations on Medical Bills?
Medical debt has a statute of limitations that varies by state, usually 3–10 years. After it expires, collectors can’t sue, but it may still affect credit.
Statute of Limitations on Debt
Statute of Limitations on Debt in Oregon (2026)
In Oregon, the statute of limitations for debt is six years. This means a creditor has up to six years to file a lawsuit to collect on the debt.
Debt Collector Guides
How to Settle Debt With Couch Lambert
If sued by Couch Lambert, file a written Answer to avoid default judgment. Then negotiate to settle for less. Use Solo to respond and negotiate in minutes.
Legal Aid
How to Fight a Motion for Relief From Automatic Stay
Fight a Motion for Relief From Automatic Stay by responding within 14 days with procedural objections or substantive Bankruptcy Code defenses.
Statute of Limitations on Debt
Statute of Limitations in Oklahoma (Complete Guide 2026)
The Oklahoma statute of limitations on credit card debt (and written contracts) is five years. For oral or implied contracts, it is three years.