Consumer Rights

Your consumer rights protect you from aggressive debt collectors and deceptive practices.

How to Stop Collection Calls (Guide)

Calls from collection agencies and bill collectors interrupt schedules and pile on stress. You have the power to stop calls from collection agencies. The Fair Debt Collection Practices Act (FDCPA) exists because debt collectors have used devious and harassing methods to collect debt. If you have debt you’re struggling to manage, you don’t need the added stress of irritating collection calls. If you’re one of those hundred-million individuals, keep reading to learn how you can stop debt collection calls from interrupting your life.

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What Is A Charge Off On A Car Loan?

A charge off on a car loan is debt that a creditor declares uncollectible. An auto loan charge off hurts your credit history and lowers your credit score. The charged off debt could stay on your credit report for seven years and drop your credit score by 100 points. The creditor can still collect the charged-off debt, and the person that took out the auto loan still owes the charged-off debt. Car loan debt feels like it will last forever, but even a car loan charge off can be discharged through bankruptcy.

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Sued For a Credit Card You Can’t Pay? Find Out How to Settle Credit Card Debt Before Going to Court in 6 Steps

If you have a pile of unpaid debt from a credit card that you aren’t able to make even the minimum monthly credit card payments on, you might be facing a credit card lawsuit. Many companies will consider filing this kind of lawsuit about six months after someone stops paying. To avoid facing debt lawsuits, you can try to work out a settlement with your credit card so you can get some debt relief without paying the full amount of debt. Read on to learn some tips to prepare for negotiations.

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What Happens if You Don’t Pay a Collection Agency?

Filing for bankruptcy relief does not mean that you have to give up everything you own. The purpose of filing a bankruptcy case is to get debt relief. The fresh start provided by filing a Chapter 7 bankruptcy would not be a real fresh start if the filer ends up losing all of their belongings. That's where the bankruptcy exemptions come in.

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Are You Getting Calls From Collection Agencies and Worried What Might Happen? Find Out Here!

Calls from debt collectors are stressful and - if you don’t know what to expect they can be downright scary. Learn whether a collection agency can sue you and how to protect your rights, so you’re ready the next time a collection agency calls.

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How to fix errors on your credit report - An Overview

Your credit score and by extension, your credit report play an important part in almost everything you do. Whether it’s getting qualified for a new mortgage or trying to rent an apartment near the school you want your child to go to, errors on your credit report can significantly impact your options and finances going forward. To ensure you’re getting the best possible deal it’s important to keep an eye on what’s on your credit report and - if you find any errors - update and correct the information it contains.

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What is Debt Settlement?

Debt settlement is a type of debt relief that may allow you to settle your debts for less than the full amount due. Most debt settlement programs work by setting aside money to negotiate with, then making settlement offers one debt at a time. But, like any debt relief solution, debt settlement isn’t for everyone. In this article, you’ll learn more about how debt settlement works, the benefits of making lump sum payments, and the risks you should know about.

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A creditor is suing me. What should I do?

When you file your bankruptcy paperwork, you will need to mention this lawsuit. Don't worry - our system will ask you all of the relevant questions, so as long as you have your case information available when you get to that section, you should be good to go.

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What is a Consumer Protection Attorney?

A consumer protection attorney may help you protect your rights under one or many consumer protection laws. If you need to file a Chapter 7 bankruptcy case, we can help you file your case if you cannot afford to hire an attorney to help you file for bankruptcy relief.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

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