How to Respond to a Utah Summons for Debt (2026 Guide)

Edited by Hannah Locklear

Getting sued for debt is just the worst. If the debt collector wins, they can garnish your wages or even gain access to your bank account to retrieve their money. Luckily, you can avoid this by responding to the lawsuit before the deadline to respond runs out.

This article will make the process easier and tell you what you need to know to respond to a debt lawsuit in Utah, keeping in mind the Utah debt collection laws.

Table of Contents

• Deadline
• Steps to Respond
• Filing Fees
• Utah Answer to Summons Forms
• Debt Collector Tricks
• Utah Debt Collection Laws
• Statute of Limitations on Debt in Utah
• Settle Debt in Utah
• Stop Wage Garnishment in Utah
• Avoid Default Judgment
• Motion to Satisfy Judgment in Utah
• Utah Debt Relief
• Utah Debt Collection FAQs
• Utah Courts

File an Answer to a Summons in Utah before the state deadline

You know you're being sued for a debt if you receive court documents in the mail (usually via certified mail) saying you're being sued for a debt. These documents are called the Summons and Complaint. The Summons and Complaint may also be served to you by a process server.

In a debt collection case, the Summons notifies you of the lawsuit and the parties—people or businesses—involved in the case. On the other hand, the Complaint lists the specific claims that are being made against you.

There is a deadline to respond to a debt lawsuit in Utah. Here's what Rule 12(a) of Utah Rules of Civil Procedure says about it:

Unless otherwise provided by statute or order of the court, a defendant must serve an answer within 21 days after the service of the summons and complaint is complete within the state and within 30 days after service of the summons and complaint is complete outside the state.

This is just a fancy way to say that you have 21 days from the time you receive the Summons and Complaint to file your Answer in Utah courts. You can respond with an Answer document or a Motion. Responding with an Answer is usually the best first step to take when you fight a debt lawsuit.

Follow these steps to respond to a Utah debt collection case

With the 21-day deadline in mind, it's time to take action. Follow these three steps to respond to a Summons and Complaint in Utah:

1. Answer each claim listed in the Complaint document.
2. Assert your affirmative defenses.
3. File the Answer with the court and serve the plaintiff.

Let's take a look at each in detail. Don't like reading? Watch the video below instead:

1. Answer each claim listed in the Complaint document

Answering a Complaint may seem intimidating, but the process is really quite simple. All you have to do is read the Complaint carefully and decide how you want to respond to each numbered claim. The first section of your Answer should be a numbered list where you answer each claim from the Complaint in the same order.

You can respond to each claim with one of these three options:

• Admit—like saying, “This is true.”
• Deny—like saying, “Prove it.”
• Deny due to lack of knowledge—like saying, “I don't know.”

Most attorneys suggest that you deny as many claims in your Answer as possible. In a debt lawsuit, the burden of proof is on the plaintiff, or the person suing. This means that, whenever you deny a claim, the plaintiff has to submit evidence to the court proving their claim. If they don't have the proper documentation to prove their case, they will most likely dismiss the case instead of continuing to pursue it.

Let's take a look at an example.

2. Assert your affirmative defenses

After you've responded to each claim from the Complaint, you are ready for the next section of your Answer document, which is where you will assert your affirmative defenses.

An affirmative defense is any reason that the plaintiff should lose the case, even if their claims end up being true. Below are some common affirmative defenses for debt collection cases:

• The account with the debt is not yours.
• The contract was already canceled, meaning you don't owe the creditor anything.
• The statute of limitations has expired. A statute of limitations is a law that sets a deadline on an action. In this case, Utah's statute of limitations sets the deadline for debt collection at six years. This means that you can't be sued for a debt based on an account that has been inactive for six years or more.
• The debt was paid or excused.
• The debt was partially paid.
• You were a co-signer, but you were not informed of your rights as a co-signer.

These are examples of affirmative defenses acceptable by the courts. Notably, being unable to pay the debt is not a legal defense.

Here's an example of a consumer who used affirmative defenses to their advantage.

3. File the Answer with the court and serve the plaintiff

After drafting your Answer with your responses and affirmative defenses, it's ready to be filed with the court. Surprisingly, many consumers find this step the hardest. If you don't have any attorney representing you in Utah, the courts require that you file the Answer by mail or in person. So, here's what you need to do:

• Print two copies of your Answer.
• Mail one copy to the court.
• Mail the other copy to the plaintiff's attorney.

The address for the plaintiff and court should be in the Summons and Complaint you received in the mail. The attorney's address should be on the top left of the first page. The court's address should be in the first two paragraphs.

Beware of filing fees in Utah

Many courts charge a filing fee to respond to a debt collection lawsuit. If you're being sued in Utah, you're in luck. Utah does not charge any fees to file an Answer.

However, there may be other filing fees associated with debt lawsuit documents if you decide to enter any other legal actions into the case. For example, if you decide to file a counterclaim against the debt collector, there is a fee.

Click here to learn more about civil filing fees in Utah.

Use these Utah Answer to Summons forms

The easiest way to draft an Answer to a debt Summons without an attorney is through the SoloSuit Answer form which takes minutes to complete online. To use this form, you respond to a series of questions about your Utah debt collection lawsuit, and the SoloSuit software helps generate a personalized Answer document that is fit to file in any court in Utah.

Utah's judicial branch website also provides an Answer form, but this one is harder to fill out because it's not an automated process. You'll have to manually add your response and ensure you use the right legal language to defend your rights. With SoloSuit's Answer form, the proper legal language and formatting is included and automated.

Debt collectors use tricks to get money

Debt collectors and the lawyers they hire sometimes use questionable tactics to ensure you lose your case.

Legalese: For example, lawyers use a language called legalese. This term means using complicated words like defendant, plaintiff, hereby, and herein to prevent the other party from understanding what they mean. Lawyers mostly use this language as an intimidation tactic. It isn't legally required to communicate this way.

There is a large movement pushing legal professionals to stop using legalese and communicate in plain English. But lawyers continue to use legalese to make it difficult for the average person to know what is happening in their lawsuit.

The best approach to deal with legalese is to search for the difficult legal terms on Google. Most of the words you don't recognize will probably come up with a “Law” or “Archaic” tag.

Serving you before filing with the courts: A second example of dirty tactics Utah collections may use is serving you before filing with the courts. This move is really sneaky. Some debt collectors in Utah will serve you first then file the case with the courts 10 days later. If they do this, your Summons and Complaint will not have a case number assigned yet, making it more difficult to find your case with the court and get more details.

According to Utah's Rules of Civil Procedure, Rule 3(a), this isn't illegal. But it does make the process more tricky for the person being sued, especially when most people in this position don't know much about the legal system to begin with. When you call the court to ask for your case file, the clerk will ask for the case number. If you do not have a case number, the court can't help point you in the right direction.

Being aware of this rule can help prepare you. Wait 10 days after receiving the Summons and Complaint to ask the court for your case number. You can call the court or take a trip down to the courthouse. Once you have your case number, get your Answer filed as quickly as possible.

Utah debt collection laws protect you

Having a past-due account is already stressful. You don't want to put up with harassment and abuse from debt collectors. Fortunately, Utah debt collection laws protect you.

These laws govern all aspects of debt collection.

• Prohibits excessive debt collector communication: Debt collectors can call, email, send letters, and contact you via social media, but there are limits according to 15 U.S. Code § 1692c. For example, debt collectors may not contact you multiple times daily about the same debt. Also, they should stop contacting you directly if you ask them through a Cease and Desist letter or if you direct them to speak with your attorney. You can legally record debt collection calls in Utah to gather evidence of harassment.


• Handling debt collection lawsuits in Utah: Debt collection lawsuits give creditors alternative means to collect debt. Even then, utilizing Utah laws protects consumers. For example, you have 21 days to respond to a debt collection lawsuit. That provision allows you reasonable time and an opportunity to defend yourself. (Utah Rule of Civil Procedure 12a)


• Wage garnishment: A judgment creditor can garnish wages to recover their money. Utah Code Section 78B-2-311 allows them to collect on a judgment for eight years, although they would have to renew writs yearly. Even then, some of your earnings are exempt from garnishment.


• Statutes of limitations on debt: Once the statute of limitations has passed, the creditor cannot sue you for a debt. They have up to six years since you last made payments in the account.

Although debt collection is stressful, some laws protect you. Understanding them can relieve pressure and even help you get out of debt.

Now, let's take a closer look at how the statute of limitations on debt works in Utah.

The statute of limitations on debt in Utah sets a timeline for collectors to take legal aciton

You may not have to pay that old debt after all. The statute of limitations limits how long a creditor can pursue legal solutions to past-due debt. The point is that evidence is lost, obscured, or irretrievable with time. Recollection of facts may be inaccurate. Allowing such a lawsuit to proceed would be unfair.

How long is the statute of limitations on debt in Utah?

The Utah statute of limitations on debt is six years, typically, but it differs for different types of contracts. For written agreements, the opportunity to sue expires in six years, verbal contracts last four years, and unpaid debts from open accounts remain subject to legal action for four years. The table below further outlines the statute of limitations on different types of debt in Utah.

Statute of Limitations on Debt in Utah

Debt Type	Deadline
Credit Card	6 years
Medical	6 years
Student Loan	6 years
Auto Loan	6 years
Mortgage	6 years
Personal Loan	6 years
Judgment	8 years
Source: Utah Code § 78B-2-309/311

Some contractual Agreements may allow a different law to apply in that specific case. For example, many credit card agreements include a “choice of law” provision that designates a particular state law to use if there is a dispute.

When does the statute of limitations begin?

In most instances, the clock for the statute of limitations begins when a contract is purportedly breached. For example, for unpaid credit card debt, the date of the breach can be the date of the last payment or the date of the latest charge, whichever is later.

Certain conditions within the contract may cause a breach. For example, if an auto loan requires the purchaser to maintain insurance on the vehicle, a breach happens on the day the insurance lapses.

Closely reviewing your contract can reveal other conditions that may trigger a breach.

Note: You can unwittingly reset the clock on old debts if you are not careful. Creditors know this and may ask you to make a small payment or sign a written acknowledgment that you owe the debt. Your acknowledgment effectively revives the debt, resetting the clock for the statute of limitations.

Utah's borrowing statute

Utah is unique because it has two applicable laws - a general statute of limitations on debts and a statute of limitations based on Utah's “borrowing statute” in Section 78B-2-103 of the Utah Code.

According to this statute, any “cause of action which arises in another jurisdiction” and is time-barred by that state's statute of limitations is also time-barred in Utah unless specific facts apply.

What if I am sued for a debt past the statute of limitations?

Do not ignore the lawsuit if you are sued for an old debt. File a response and list the passed statute of limitations as a defense.

Filing a time-barred debt collection lawsuit violates the Fair Debt Collection Practices Act (FDCPA). You may seek actual or statutory compensation for each breach.

How to settle debt in Utah

You can settle a debt for less at any point during collection, but it becomes crucial when dealing with a lawsuit. Settling out of court saves you court hearings, time, and money.

Resolving the lawsuit out of court involves more than negotiating with the plaintiff. You must keep up with the court requirements. If you plan to settle the debt with your creditors, take the following steps.

First, respond to the lawsuit by filing an Answer.

For every lawsuit filed against you, you'll receive a Summons and a Complaint document. You should file a response to the court. The response acknowledges that you received the papers and allows you to assert your affirmative defenses and reply to each complaint.

Responding to the Summons is necessary even if you hope to settle before your court date. The plaintiff receives a copy of the response and may agree to a settlement if they see that they cannot break down your defense case. Additionally, it protects you if negotiations fail and you must carry on with litigation.

If you are served court papers within Utah, you have 21 days to respond. Be sure to beat the deadline to ensure your response is admissible.

Next, make an offer to start negotiations.

Settling debt works best if you can make a lump sum payment at once. Therefore, you must raise a considerable percentage of the balance before approaching creditors. Determine how much you have saved and if you can increase that amount in the coming weeks. Cutting back on some expenses can raise additional funds.

Creditors will take your offer seriously if you start at around 60%. Eventually, most accept a 71% settlement, but they may take slightly less if you can prove it is a good deal.

Expect several rounds of negotiations and bargaining. Despite the pressure, only accept what you can afford to pay by the set date. Missed payments destroy creditors' trust, and they likely prefer a legal solution.

Third, get a written settlement agreement.

The relief that comes with accepting a settlement offer is exciting. However, before paying, ensure you have the agreement in writing. A debt settlement agreement is legally binding, so the creditor must respect it. Without a written document, they can go back on their word and insist that you pay the debt in full or take you back to court.

The agreement should capture all the essential facts as demonstrated in this sample.

Utah debt settlement companies

Debt settlement companies help consumers negotiate lower amounts. There are several such companies in Utah.

• SoloSettle: This is a tech-driven approach to debt settlement, utilizing a software to send and receive settlement offers. SoloSettle is unique because it doesn't require a minimum debt amount. Where some debt settlement companies work with consumers with more than $10,000 in debt, SoloSuit, which powers SoloSettle, helps everyone.

• Accredited Debt relief: Consumers make monthly payments to the company, which uses the funds to offer a settlement. Accredited Debt Relief programs typically last two to four years and cost debtors 15% to 25% of the total debt.

• Freedom Debt Relief: Freedom Debt Relief has been around since 2002 and has helped consumers settle billions of dollars in debt. It charges fees of between 15% and 25% for its services.

No matter how bleak your situation seems, getting out of debt is possible in Utah. You may need discipline to save up and negotiate frankly with creditors and debt collectors, but it is doable.

To negotiate debt settlement on your own in Utah, use these tips and tricks from a real attorney:

Stop wage garnishment in Utah.

A court might order wage garnishment if you are late on debt repayment. UT Code § 70C-7-103 permits creditors to garnish up to 25% of a debtor’s disposable earnings. Alternatively, creditors can take the amount of your disposable earnings that exceeds 30 times the federal minimum hourly wage if that is less than 25% of your disposable earnings.

Disposable income is the amount you have left after taxes and mandatory deductions. In Utah, wage garnishment may apply if you don't pay child support, taxes, or consumer debt.

How to stop wage garnishment

Even after the garnishment starts, you may have a way to stop it.

• Talk to the creditor. It's always possible to negotiate. Your creditor may allow you to pay the debt in full to stop garnishing your paycheck.
• Request a hearing for excessive garnishments. You can file a request with the court within ten days of receiving the notice to contest a garnishment.
• File a claim for exemptions. Some of your income is exempt from garnishment. You may file for exemptions if someone takes some of your money from the following sources: supplemental security income, public assistance benefits, Worker's Compensation, veterans benefit, Social Security benefits, unemployment compensation
• File for bankruptcy. Utah bankruptcy triggers an automatic stay on wage garnishment and other collection actions. The break allows you time to reorganize your finances. Eventually, bankruptcy discharges some debts.

You can prevent wage garnishment with a debt settlement. Use SoloSettle to negotiate for a fair amount.

How to avoid a default judgment

In Utah, over 50 percent of all cases are for debt collection. This equals about 54,000 cases a year. So if you are being sued for a debt, you aren't alone. In about 90% of these 54,000 cases, the debtor automatically loses their case simply because they never filed an Answer. This is called losing by default judgment.

Consumers don't file an answer because they believe they need an attorney to file it and they can't afford one. Secondly, they believe the courts are difficult to navigate alone without legal experience.

These assumptions are not correct because SoloSuit has managed to serve over 250,000 consumers. None of these consumers had to hire a lawyer or go to the courts to deliver their Answer. They were able to represent themselves and take a stand in court.

Utah collections agencies usually expect to win automatically because they know consumers do not understand the legal process for responding to a debt collection Utah lawsuit.

To increase your winning chances, use SoloSuit as a resource. You can participate in our services, or you can search our blog for relevant topics. We have helpful information to guide you through every step of your Utah lawsuit.

How to file a Motion to Satisfy Judgment in Utah

If you lose a debt collection lawsuit, the judgment creditor will find a way to collect the money. You may reach a repayment plan. They may garnish your wages or place liens on your bank accounts.

Satisfaction of a judgment means that the debtor has paid or resolved all debts, and the court no longer has an obligation over the parties.

Once you have completed the repayment plan, you need a certificate of satisfaction to show that the debt is resolved. This requires you to file a Motion to Satisfy Judgment.

The creditor should file an acknowledgment telling the court that you have satisfied your obligations. If they don't, the debtor files this Motion to Satisfy Judgment.

You'll need to file three separate documents:

• Debtor’s Motion to Declare the Judgment Satisfied
• Request to Submit for Decision
• Findings of Fact, Conclusions of Law, and Order on Debtor’s Motion to Declare Judgment Satisfied

You can complete each document by clicking on the link. Once you've done so, follow these rules to file.

You must then present the certificate in the appropriate court. If a judgment has been filed in any other court than the primary court, file the proof of satisfaction there as well.

Filing the Motion for Satisfaction of Judgment is more straightforward if you keep good records.

A creditor's acknowledgment of satisfaction of judgment

A creditor’s acknowledgment of satisfaction lets the court know that the debt has been settled and the case is closed. The creditor files an acknowledgment of satisfaction in the appropriate court and gives the debtor a copy of the document.

Resolving a judgment debt is a great feeling. So when you receive certification, file it with the court to end its involvement in the case.

Find debt relief in Utah

Missing a credit payment account can take your account to collections. The collection agent will use every means to recover what you owe.

For the consumer, debt collection is an unsettling process. If the missed payments go to your report, your credit score will take a hit. In the meantime, unscheduled collection calls and constant reminders bombard your life.

It's no wonder that seeking debt relief in Utah is at the top of your list. It helps you achieve one or more of the following:

• Catch up on repayment
• Reduce the amount of debt
• Get rid of the debt
• Get lower interest rates
• Access financial assistance to care for your daily needs
• Get debts discharged in bankruptcy

The debt relief option you choose determines the benefits you get.

Utah has debt relief programs.

Utah provides financial assistance for consumers in serious financial difficulties. Check whether you qualify for any of these programs.

• Homeless Prevention Program
• Family Employment Program
• General Assistance
• Kids In Care
• Supplemental Nutrition Assistance Program (SNAP)
• ABLE Program
• Private Student Loan Relief

Debt relief options in Utah

If you don’t qualify for any of the financial assistance programs listed above, consider other debt relief options. Your short-term goal is to make your situation more manageable, with the prospect of eventually eliminating the debt. Utah consumers have used the following debt relief methods to achieve their goals.

• Pay the bare minimum each month: If you are servicing several accounts, consider reviewing how much money you have assigned to each debt. While paying off one account is exciting, doing so while letting others go delinquent can damage your credit. If your finances allow, make minimum repayments to each account.


• Debt settlement or negotiation can help: Debt settlement can reduce the principal amount and lower the interest. You can get your creditor to review interest rates or forgive part of the debt by negotiating. On average, creditors generally accept 71% to settle an account. You may negotiate for settlement yourself or hire a debt settlement company.


• Seek debt management or credit counseling in Utah: Utah residents have access to free credit management programs. This plan works by making regular payments to the credit counselor, who pays your creditors. You'll still pay the principal amount, but the counselor may successfully negotiate for lower interest rates.


• Debt consolidation works for some but deserves caution: Debt consolidation works for consumers with a steady income because the new loan you take to repay your debts needs monthly payments. The new loan must have lower interest rates to save you money, which rates are usually difficult to access for debtors already struggling with delinquency.


• File for bankruptcy: Declaring bankruptcy halts collections. Once approved, it can relieve consumers of some or all of their unsecured consumer debts.

Gyms can sue you for not paying

A question we often receive is, can gyms send you to collections? Or can a gym sue you for not paying? Let's use an example to answer that question.

Example: Scott owes a year's worth of payments to a gym for a membership. The gym tries to collect those payments for another year, without any success. The gym sells that debt to a Utah collections debt collector. The debt collector sues Scott for the amount owed plus court costs and attorney fees, which equals about $500. If Scott doesn't respond in 21 days, he may owe up to $1500 plus interest.

To answer the earlier question, Yes, gyms can sue you for not paying and you may end up like Scott if you do not respond to the lawsuit with a written Answer.

Keep reading for other frequently asked questions.

Frequently Asked Questions

Can I sue my debt collector?

Yes. You can sue your debt collector or another party involved. Suing the creditor after they sue you is called a counterclaim. Suing another party involved in your current case is called a crossclaim. If you believe the creditor violated the Fair Debt Collection Practices Act, be sure to state this in your counterclaim.

Can you settle a debt after being served?

Yes. Most people who use SoloSuit settle their debt after being sued. They'll have a pre-trial settlement conference or use mediation where they discuss the debt with the collector and come to an arrangement. Usually, the debtor can negotiate down the debt after filing an Answer. The two parties will decide on a stipulated payment plan, a legally enforceable document that lays out a payment schedule.

What do you do if a debt collector sues you?

If a debt collector sues you, respond to the lawsuit by filing an answer within 21 days of receiving the Summons and Complaint in Utah. You can use SoloSuitto draft and file your Answer.

How long can a creditor collect on a debt in Utah?

The statute of limitations on Utah debt varies depending on the case type, how you entered the debt, and its legal state. Generally, the debt collection law regarding the expiry date is as follows:

• 4 years for credit card debt and spoken contracts
• 6 years for written contracts
• 8 years for federal and state judgments

What percentage do creditors usually settle for?

After filing an answer using SoloSuit, people are able to negotiate down their debt to around 40%-80% of the original debt. If you want to wrap up the case fast, you can lead with your best offer, maybe starting with 51%. So, in negotiation, start low, around 15%, and adjust upwards. For instance, if you owe a debt of $1,000 and have already filed your Answer using SoloSuit, you can start with an offer of $510. Start the negotiation process by sending an offer for free with SoloSettle.

Can Utah collections take you to court?

Yes, debt collectors can take you to court for a debt. Many consumers don't realize this until it is too late. They assume they can avoid paying a debt forever. But, the creditor has the right to sue you for the debt as long as it is within the statute of limitations.

What happens when you get a Summons for debt?

When you receive a Summons for a debt, it means you are being sued. Along with the Summons, you should receive a Complaint document. You need to respond to the Complaint by filing an Answer with the courts and serving an Answer to the plaintiff. You can do this with SoloSuit.

How do you respond to a debt lawsuit without a lawyer?

You can respond to a debt lawsuit without an attorney using your state court's website to find resources like templates that you can fill out to respond. Or you can use SoloSuit's drafted Answer and customize it to your case situation. Oftentimes, people are sued for a debt of less than $1000. Many attorneys require a $3000 retainer to get involved in a lawsuit. It doesn't make sense to pay an attorney $3000 for a $1000 debt.

You can save the money and stress of finding an attorney and represent yourself with SoloSuit's help.

What happens when someone sues you and you have no money?

If you're being sued for a debt and you have no money, you aren't totally off of the hook. If you lose the lawsuit, the debt will increase in size, because the creditor's attorney fees will be added to the debt. Also, the creditor can collect the debt for another 8 years. That means if you get an income in those 8 years, the creditor can garnish it. Additionally, the creditor can put a lien on your assets like a house or a car meaning if you sell the house or car, the money goes first to pay off the debt.

How many days do you have to respond to a lawsuit?

If you are being sued in Utah and you receive the lawsuit in the mail, you have 21 calendar days to respond if you were served the Summons and Complaint in Utah. If you are being sued in Utah and received the court documents outside of the state, you have 30 days to respond. This includes weekends and holidays. If you don't file a response within the deadline, you will most likely lose your case automatically.

What happens if you ignore a lawsuit?

Sadly, ignoring a debt lawsuit doesn't make it go away. It only makes it worse. Here's what will happen if you ignore a debt lawsuit:

• Automatically lose your case: This is called default judgment and it occurs if you don't file within the 21–30 days allotted in Utah.
• Owe attorneys fees: Even if you don't hire an attorney, when you lose your case you must pay the attorneys fees for the opposing party.
• Garnished wages: When you lose, the opposing party will be allowed to garnish 25% of your paycheck. This means they take 25% out of every paycheck automatically.
• Liens: The opposing party can put a lien on your property and you have to pay them first after selling your property or assets.

File an Answer in your local Utah court

Ready to file your Answer? Find your local Utah court below to get started.

• In the Third Judicial District Court State of Utah Salt Lake County
• In the Third Judicial District Court State of Utah County of Salt Lake
• In the Sanpete County District Court State of Utah
• In the Emery County Justice Court State of Utah
• In the Sevier County Justice Court State of Utah
• In the Eighth District Court Roosevelt State of Utah
• In the San Juan County Justice Court State of Utah
• In the Manti Justice Court State of Utah
• In the Utahstate Court State of Utah
• In the Park City District Court State of Utah
• In the Duchesne County Court State of Utah
• In the Second District Court State of Utah Davis County, Farmington Department
• In the West Jordan District Court Salt Lake County State of Utah
• In the Murray City Justice Court State of Utah
• In the Fourth District Court, Provo Department In and for Utah County, State of Utah
• In the Juab County Court State of Utah
• In the Alta Justice Court State of Utah
• In the Washington City Justice Court State of Utah
• In the Carbon County District Court State of Utah
• In the Grand County Seventh District Court State of Utah
• In the Grand County Court State of Utah
• In the Utah County Court State of Utah
• In the Cache County Court State of Utah
• In the Wasatch County Court State of Utah
• In the Wasatch County Justice Court State of Utah
• In the Carbon County Court State of Utah
• In the Emery County Court State of Utah
• In the Rich County Court State of Utah
• In the St. George District Court State of Utah
• In the Sandy Justice Court State of Utah
• In the Duchesne W Justice Court State of Utah
• In the South Salt Lake Justice Court State of Utah
• In the Beaver County Court State of Utah
• In the Centerville Justice Court State of Utah
• In the Ogden District Court Weber County State of Utah
• In the Duschesne County Court State of Utah
• In the Taylorsville Municipal Justice Court State of Utah
• In the Seventh District Court Monticello State of Utah
• In the San Juan County Court State of Utah
• In the Ogden Justice Court State of Utah
• In the Supreme Court of Utah State of Utah
• In the Salt Lake City Justice Courts State of Utah
• In the Us District Court, District of Utah State of Utah
• In the West Valley Justice Court State of Utah
• In the Harrisville Court State of Utah
• In the Utah Third District Court State of Utah
• In the South Ogden Justice Court State of Utah
• In the Fifth District Court State of Utah
• In the Iron County Court State of Utah
• In the Layton District Court Davis County State of Utah
• In the Box Elder County Court State of Utah
• In the Payson City Court State of Utah
• In the Logan Justice Court State of Utah
• In the Holladay Justice Court State of Utah
• In the Morgan County Court State of Utah
• In the North Ogden Court State of Utah
• In the Garfield County Court State of Utah
• In the Piute County Court State of Utah
• In the Summit County Court State of Utah
• In the Murray Municipal Justice Court State of Utah
• In the Tooele County Court State of Utah
• In the Carbon County Justice Court State of Utah
• In the Kane County Court State of Utah
• In the Millard County Court State of Utah
• In the Millard County Justice Court East Courtroom State of Utah
• In the Spanish Fork District Court Utah County State of Utah
• In the Fourth Judicial District Court, State of Utah Utah County, Spanish Fork Department
• In the Davis County Justice Court State of Utah
• In the Farmington District Court Davis County State of Utah
• In the Second District Court State of Utah
• In the Bountiful District Court Davis County State of Utah
• In the Third District Court, West Jordan State of Utah
• In the West Jordan Justice Court State of Utah
• In the Sevier County Court State of Utah
• In the Washington County Justice Court State of Utah
• In the Uintah County Court State of Utah
• In the Daggett County Court State of Utah
• In the Daggett County District Courthouse State of Utah
• In the Orem City Justice Court State of Utah
• In the Hildale Justice Court State of Utah
• In the Millard County Justice Court State of Utah
• In the Sanpete County Court State of Utah
• In the Springville City Justice Court State of Utah
• In the Wayne County Court State of Utah
• In the Utah County Justice Court State of Utah
• In the Salem District Court Utah County State of Utah
• In the American Fork District Court Utah County State of Utah
• In the Pleasent Grove Justice Court State of Utah
• In the Riverton City Justice Court State of Utah
• In the First Judicial District Court, State of Utah Cache County, Logan Department
• Fifth Judicial District Court, State of Utah Beaver County, Beaver Department
• In the Eighth Judicial District Court, State of Utah Uintah County, Vernal
• Third District Court, State of Utah Tooele County, Tooele Department

>>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
• 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
• Enhanced Recovery Collections
• 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 Debt Relief
• 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
• Sherman Acquisition
• Sherman Financial Group
• 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
• 5 Pros and Cons of Credit Cards & How to Use Them Wisely
• 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
• Going to Court for Credit Card Debt - Everything You Need to Know
• Going to Court for Credit Card Debt — Key Tips
• Guide to Disclosing Income on Your Credit Card Application
• 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 Handle Debt and Improve Credit
• 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 Judgement Last?
• 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
• Best Practices for Avoiding Debt Litigation Scams
• 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
• Hours of Service Violations - 10 Effects
• 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?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• 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
• BYU Personal Finance Online Course (How to Get Back on Track After a Debt Lawsuit)
• 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 for College and Avoid 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 2023)
• 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 2023)
• 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 (2023)
• 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 (2022)
• 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 Deal with Debt Collectors
• How to Defend Yourself in Court
• How To Develop A Debt Repayment Plan That Works
• 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