Who Owns My Debt? How Debt Buying Works and Why It Matters to You
Your debt may have been sold several times. Learn how debt buying works, what "chain of title" means, how to find the current owner and why it matters in court.
Debt Validation Letter: How to Make a Collector Prove the Debt (Free Template)
Use our free debt validation letter template to make a collector prove a debt. Learn the 30-day deadline, what collectors must send and what to do next.
How to Handle Debt Collectors: Your Rights Under Federal and Massachusetts Law
The calls are the part people find hardest. Not the balance, not the credit damage — the phone ringing at dinner, the messages, the veiled threats about what will happen if you don’t pay today. You have more control over...
What Federal Law Requires of Every Debt Relief Company (And What to Do If Yours Doesn’t Comply)
In 2010, the Federal Trade Commission amended the Telemarketing Sales Rule to address widespread abuse in the debt relief industry. Companies were collecting thousands of dollars in upfront fees from people in financial distress and delivering nothing. The amendments changed...
