How to Settle a Debt in California

Edited by Hannah Locklear

Getting sued for a debt in California is stressful. You have to respond to the lawsuit, and it’s usually difficult to find an attorney to take on your case.

When you know you owe a debt, and you want to settle it once and for all, you have options. Most creditors and debt collectors are willing to accept a settlement for less than you originally owed. In fact, the average debt settlement in the US is 50% of the original debt amount.

If you’re looking for a way to get rid of your debts in California, we have answers.

Follow these steps to settle a debt in California

1. File an Answer to your debt lawsuit.
2. Make an offer to start negotiations.
3. Get the settlement agreement in writing when an offer is accepted.

You can reach a debt settlement with your creditor or debt collector in California on your own with SoloSettle and avoid having to hire a debt settlement company.

Now, let’s take a closer look at each step. Check out this video to learn more about the debt settlement process:

1. File an Answer to your California debt lawsuit

You're likely worried if you’ve received notice of a debt lawsuit against you in California. No one wants to be the subject of a legal claim, and few people relish sharing their financial difficulties with a judge. However, it is possible to settle your debt lawsuit without going to court.

If you are being sued for a debt in California, you must file your initial response to the lawsuit by submitting an Answer document to the court and opposing party before California’s deadline, which is 30 days.

Even though you plan to settle the debt before your court date, filing an Answer prevents the court from granting a default judgment against you. You should avoid a default judgment at all costs, because it can lead to wage garnishment and seizure of your property.

Before starting your settlement negotiation, file an Answer in response to the creditor or debt collector’s Complaint. Address each claim listed in the Complaint by admitting, denying, or denying due to lack of knowledge.

For instance, you might contest the amount of money the creditor or collector is seeking from you or their right to file a lawsuit against you.

Learn more about how to respond to a debt lawsuit in California here.

Draft and file an Answer to your California debt lawsuit in minutes online.

2. Make an offer to start negotiations

Once you’ve responded to the lawsuit, you’re ready to reach out to the creditor or debt collector with your first settlement offer.

Since each debt account and circumstance is unique, there isn’t really a settlement percentage that works as a standard for all cases. So, in order to make your first offer, you’ll need to do two things:

1. Calculate how much you can pay.

Calculate how much money you have left over each month after you pay for the basics: food, shelter, utilities, and transportation. Subtract other costs that must be paid like other non-delinquent debt. Add the difference to any savings you have available to pay off this debt. The sum is the amount you have available to pay off the debt.

Amount available to settle = (monthly income – monthly costs) + savings

2. Determine how much you think the creditor or collector will accept.

Debts settle within a broad range of amounts. They can settle for amounts ranging from 1% to over 100% of the total amount of the debt. According to America Fair Credit Council’s Regan Report, the average consumer can reach a debt settlement of 50% when working with a debt settlement company.

All of that said, a 50% settlement is not easy to get. We don’t see it much. An 80% settlement is easy in most cases, as most creditors and debt collectors are willing to drop to that amount. Usually, we see debts settle for somewhere within that range. Around 60% is pretty common.

Ultimately, debts settle for a very broad range of amounts. How much the debt actually settles for depends on the answers to a variety of questions:

• Is it a signed promissory note or book account?
• Is there a meritorious defense?
• Are there any offsets?
• Is it interest bearing?
• Is there a valid fee-shifting provision? A fee-shifting provision requires the borrower to pay the cost of collection.
• When was the last payment?
• Is the debt owned by the original creditor or has it been assigned to someone else?
• Is it part of a federal or state loan program or is it a private loan?
• Is it secured credit?
• Is it dischargeable in bankruptcy? Is it a student loan?

Ask yourself these questions about your debt to have a better idea where to start with your negotiations. Here’s a little idea of what you could say in your initial offer:

“I see you’re suing me for [$500] for [case number]. I don’t have that kind of money and I don’t agree with the amount. But I do have [$250] that I can pay within 30 days to settle the debt in full. Let me know if you accept.”

SoloSettle’s software takes care of the negotiation process for you.

Now, let’s look at an example.

3. Get the settlement agreement in writing when an offer is accepted

As with most communications you have with creditors, debt collectors, and their attorneys, you should make all your offers in writing and, when reached, be sure to get the settlement agreement in writing too.

This will prevent any sneaky debt collection behavior in the future, and it will protect you in case they go back on their word.

Here’s a real sample of a settlement agreement document:

Read a full debt settlement agreement here.

Let SoloSettle manage your debt settlement agreement for you.

SoloSettle is the easiest way to settle your debt

SoloSettle’s goal is to empower you to negotiate and reach a debt settlement on your own.

SoloSettle makes negotiating easy by providing a structured process.You can use our web-app to send and receive offers from collectors. It will draft offers for you and protect you from the potential lies and bullying of debt collectors. Most importantly, SoloSettle makes sure all of the proper legal language is included to protect your rights when communicating with the creditor or debt collector. When a settlement agreement is reached, SoloSettle manages the settlement agreement documentation for you and protects your sensitive financial information from the collectors, preventing them from over-charging you.

Check out this review from a real SoloSettle customer:

“I'm very thankful for SoloSettle.. Having a third party negotiate the settlement was instrumental in resolving this case and saved me from two giant headaches: 1) I didn't have to deal with the plaintiff's lawyer and 2) I didn't have to go to court. I also love that the payment was processed through SoloSettle. I was nervous about sharing my personal financial data with the other side, but SoloSettle protected that for me. I hope I never get sued again, but if I do, I would use SoloSettle again in a heartbeat.

SoloSettle really saved me a ton of time and heartburn and kept me from having to be my own lawyer in court.”

California has some crazy debt statistics

California is known for its sunny weather, its long coastline along the Pacific Ocean, and the star-studded city of Los Angeles. However, it’s also an expensive place to live. According to a 2022 cost-of-living survey, California is the third-most expensive state, falling behind only Hawaii and New York.

Housing costs are extreme in California. Buying a single-family home in the state will set you back an average of $708K—more than double the national average of $303K. Gas is also notoriously more expensive in California than in other states.

The average California household carries $8,505 in credit card debt. That’s unsurprising, given the high cost of living. Many families rely on credit cards when they don’t have enough savings to cover unforeseen expenses. If they can’t pay off the balance quickly, credit card debt will start to take a big bite out of their monthly income

Luckily, if you’re a Californian struggling with debt, you can settle your debt and find the financial freedom you’re seeking.

Can I settle my debt in California?

Debt settlement is an option for people who’ve fallen behind on bills and don’t see a way out of their financial difficulties. Under a debt settlement agreement, you’ll pay a portion of the original obligation as a lump sum, and the creditor agrees to wipe out the remainder of your debt.

Many debt settlement companies can provide you with a structured plan for debt settlement and handle the negotiations with your creditors. Debt settlement organizations usually charge a percentage of some amount involved in the negotiation, like the total debt amount or the total settlement amount..

Typically, the amount paid for debt settlement assistance is 25% of the total value of your debt.

You can attempt to settle your outstanding obligations with your creditors yourself. This strategy can work if you already have some money saved and feel comfortable bargaining in high-pressure negotiations with debt collectors or other creditors.

California debt settlement laws can protect you

If you choose to work with a debt settlement company or agency, be sure to learn about your rights as a consumer first. Under the California Fair Debt Settlement Practices Act (AB-1405 Debt settlement practices), which was passed in 2021, debt settlement companies cannot:

• Engage in false, deceptive, or misleading acts or practices when providing settlement services, including banning advance fees
• Fail to give certain debt settlement disclosures, including with an unsigned copy of the proposed written contract before you sign
• Withhold your right to cancel a contract with them
• Withhold monthly statements of your accounts while the debt settlement contract is still in place
• Offer to lend money, extend credit to a consumer, or purchase a debt account
• Request payment for the debt settlement services until a settlement has been reached according to the contract signed by the consumer

Any debt settlement company that is found in violation of the California Fair Debt Settlement Practices Act may be held responsible for statutory damages between $1,000-$5,000 per violation, as determined by the court.

You can avoid having your rights violated by scammy debt settlement companies, and work out a debt settlement agreement on your own with the help of SoloSettle.

What’s the best debt settlement company in California?

Well, we’ll let you decide on this one. Many consumers prefer SoloSettle over traditional debt settlement companies for a few reasons:

• You can settle debts of any size with SoloSettle. Many debt settlement companies require you to have a debt over $15k.
• SoloSettle actively attempts to settle your debt, whereas many debt settlement companies take a more passive role, waiting for settlement offers to come to them.
• SoloSettle is offered by SoloSuit, a trusted brand and a legitimate company. Many traditional debt settlement companies are actual scams.
• SoloSettle has legal defense built in with SoloSuit. While settling, you can use SoloSuit to block lawsuits if you need. Most debt settlement companies don’t provide legal defense; if you’re sued for a debt you are on your own.

Below is a list of other great debt settlement companies to consider:

• Freedom Debt Relief
• Century
• National Debt Relief
• Accredited Debt Relief
• Citizens Debt Relief
• CuraDebt

Can I consolidate my debt in California?

Debt consolidation is an excellent option if you want to maintain a good credit score while paying off your debts over a shorter period.

There are two types of debt consolidation: a traditional debt consolidation loan and a balance transfer credit card. Interested individuals need a decent credit score—at least 650—to qualify for either option.

A traditional debt consolidation loan involves borrowing enough money to cover your outstanding debt, like credit cards and medical bills. You’ll use the new loan to pay off your old debt and then make monthly payments toward the debt consolidation loan balance.

Debt consolidation loans typically have lower interest rates than credit cards, which means that you can pay down your balance more quickly by making just one monthly payment.

Your other option is a balance transfer credit card. You’ll transfer your high-interest debts to the new card, then make payments to the new lender until you pay it off. Many balance transfer credit cards offer 0% interest for a short period, like six months to a year.

Both methods are good options for those with decent credit, but if you have a poor credit score, you’ll need to look at other alternatives.

What’s the best way to send an offer to a collector?

As a rule of thumb, it’s best to keep all your communications with debt collectors in writing. That being said, you can use the following methods to send a settlement offer to a debt collector:

• Phone: Communicating with debt collectors over the phone is risky unless you record the call for proof. According to CA Penal Code §632 and §637.2, it is illegal to record a debt collection phone call without both parties' consent. So, you have to ask the debt collector if you can record the call before doing so. As such, making a settlement offer over the phone probably isn’t your best bet in CA. Debt collectors admittedly prefer to communicate over the phone, because they’re trained negotiators and know how to manipulate the conversation to get what they want. They’re also notorious for lying and bullying over the phone because there will be no record of it. Although collectors prefer it, this is the worst way for a consumer to negotiate with the collector.
  
  
• Mail: Mail is good because it provides a recorded paper trail. However, it’s slow, and unless you pay for tracked mail, you don’t really know if it was delivered, in a low-trust environment. Many collectors are set up to receive mail negotiations. Mail is also asynchronous. Debt collectors are professional negotiators. You probably are not. Negotiating by mail levels the playing fields by allowing you time to think between each round.
  
  
• Email: Email is nice because it is instantaneous and recorded in writing. Some collectors aren’t set up to negotiate via email with consumers, but if you can find their contact information, email is definitely the ideal option. It’s the best of both worlds because it’s fast, but you still get everything in writing.

How to find debt relief in California

If you’re feeling overwhelmed with debt as a California resident, there are organizations in place to help you find relief.

You may consider debt settlement, debt consolidation, or bankruptcy as some other debt relief options.

To learn more, check out our article called How to Get Debt Relief in California.

Does settling the debt stop my creditor from taking further action against me?

Yes, as long as you follow a few key steps.

Make sure to get your settlement agreement in writing. If your creditor attempts to contact you further concerning the debt, you can refer to the agreement.

You must abide by the terms of the agreement, or it will lose its validity. Make sure to pay your creditor in accordance with the settlement terms. The creditor may restart the lawsuit process if you don’t make your payment on time.

With some luck, determination, and SoloSettle’s software, you’ll be able to settle your debt and move on.

What is Solo?

Solo makes it easy to resolve debt with 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.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>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:

The Ultimate 50 State Guide

• 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; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing 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?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical 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
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on 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 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
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

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.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

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
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act