FDCPA

Learn more about your rights and remedies against aggressive collection tactics by debt collectors.

How to Find Out What Debt Collectors You Owe

If it feels like you’re drowning in a sea of debt, it can seem impossible to find a life raft. Getting a handle on who you owe, and how much money you owe them is an important first step to sorting out your personal finances. Even though this can be intimidating and might feel hopeless, by going through everything and letting it air out, you’ll be able to take some concrete steps towards moving past your debts. This article will give you some tips for taking the bull by the horn and sorting out your financial life.

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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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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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What Happens if You Ignore Debt Collectors?

Most of us don’t like talking to debt collectors. Anxiety over past-due bills runs high enough. No one wants the added pressure of collection calls and threatening letters. To make matters worse, many people who have collection accounts feel powerless. When there isn’t enough money to go around, it may seem pointless to pick up the phone and talk to a collection agency. Even talking with an original creditor can be tough once your account moves into collection status. Fortunately, you have options for taking charge of your debt and rebuilding financial security. Upsolve is here to help you find the information you need to make the right decision for you and your family.

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How the Fair Debt Collection Practices Act Protects You

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, misleading, or harassing tactics by debt collectors. This article will explore the basic protections you’re given by the FDCPA and provide you with some helpful tips on how to deal with debt collectors who don’t follow the rules.

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How to Deal with Debt Collectors (when you can’t pay)

If you’re receiving calls from debt collectors about unpaid debt, there’s an obvious way to make it go away: Pay off the debt in question. But what if you’re at a point where it’s impossible for you to pay? It might seem like you’re out of options, but don’t despair - there’s a way out of this.

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How to protect yourself from debt collector harassment

You work hard to pay your bills, but unfortunately, you fell behind on your credit card payments and negotiations with creditors failed. Now your credit card debt has been sold to a debt collection agency that harasses you with endless phone calls, at times even threatening you. Is there anything you can do? Is this even legal? How do you get the debt collectors to stop harassing you? Continue reading to learn about the law on unfair collection practices and what your options are to protect yourself.

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Steps to Take if a Debt Collector Sues You?

There are three steps you can take if a debt collector sues you. You can bypass all three by filing for bankruptcy.

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Can filing bankruptcy stop a debt collection lawsuit against me?

Yes, in many cases, a debt collection lawsuit is the exact reason why people file for bankruptcy relief.

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How Long Does Bankruptcy Stay on My Credit Report?

Most people who file for bankruptcy are looking to build healthier financial futures. So, it’s only natural that bankruptcy filers often worry about how bankruptcy affects their credit report and FICO score. One of the most common questions a bankruptcy attorney hears is “How long will the bankruptcy stay on my credit report?” How long bankruptcy stays on your credit report depends on which type of bankruptcy you file.

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How can I get debt collectors to stop calling me?

If you file for Chapter 7 bankruptcy, you can tell bill collectors that your filed, and they must stop calling you under the law.

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How to Stop Debt Collection Companies?

Do you want to stop debt collection companies? You may need to do more than to request that they stop contacting you.

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What is a Debt Collection Attorney?

If you are having trouble finding a debt collection attorney to help you with a lawsuit, you might want to consider filing for bankruptcy relief. You can file bankruptcy without an attorney to get rid of debts. Visit Upsolve to find out more about filing bankruptcy without an attorney.

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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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