A written cease-contact letter under the FDCPA is the most direct way to stop debt collector calls in Ohio. Here is how the letter works, what call limits apply, and how to enforce them through the CFPB and the Ohio Attorney General.
How Texas consumers can stop debt collector phone calls: the written cease-communication request, the FDCPA and Texas Debt Collection Act contact limits, and where to report harassment.
Georgia residents can stop most debt collector calls with a written cease-communication request. Here are the federal limits on call timing and frequency, the rules for workplace calls, and where to report a collector that ignores them.
How to respond to a debt collection lawsuit in Florida: reading the summons, the 20-day answer deadline, the small claims pretrial track, common defenses, and what a default judgment sets in motion.
A debt collection lawsuit in Georgia is answered within 30 days of service. This covers which court hears the case, what an answer contains, the defenses commonly raised, and what a default judgment means.
How long a creditor or collector has to sue on a debt in Arizona, broken down by debt type, when the clock starts, what revives it, and how time-barred debt works.
How long a creditor has to sue on a debt in Virginia, the deadline for each debt type, what restarts the clock, and how the 2024 medical-debt change works.
New York gives debt collectors three years to sue on most consumer debt under the Consumer Credit Fairness Act. Here is what the 3-year rule covers, when the clock starts, and why a payment no longer restarts it.
A plain-language guide to the statute of limitations on debt in Illinois: the 10-, 5-, and 4-year time limits by debt type, when the clock starts, what restarts it, and how a time-barred debt works as a defense to a collection lawsuit.
When an Illinois lender can repossess a financed car, the breach-of-peace limit on self-help repossession, the notice and sale rules, redemption, and how deficiency balances work.
Massachusetts gives creditors six years to sue on most consumer debts. This article explains the limitation period, when it starts, what restarts it, and what a time-barred debt means for the person who owes it.
How much of your paycheck an Illinois creditor can take, what income and property is exempt, and the ways to reduce or stop a wage garnishment.