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Article

What To Do if a Debt Collector Sues You

If a debt collector files a lawsuit against you to collect a debt, it’s important to respond — either yourself or through an attorney. And remember, you have rights when it comes to dealing with debt collectors. Here are answers to some common questions you might have about the process.
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How To Organize Your Important Papers Before a Disaster Strikes

When it comes to preparing for weather emergencies or other disasters, financial readiness is as important as a flashlight with fully charged batteries. Leaving your home can be stressful, but knowing that your personal and financial documents are up to date, in one place, and easy to find can make a big difference. Here’s how to organize important papers before a disaster strikes.
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Fixing Your Credit FAQs

Here’s what to know about how to dispute errors on your credit report and avoid credit repair scams.
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Did a Lender Offer Less Favorable Terms or Deny You Credit?

Did you apply for credit and get turned down? Or did a lender offer you less favorable terms for credit? If so, they have to give you a notice with certain information. Improving your credit may take some time, but taking some steps will help you do it. 
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Cosigning a Loan FAQs

When you cosign a loan for a friend or family member, you put your finances and creditworthiness on the line. Here’s what you need to know before you cosign a loan.
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Auto Loan Refinancing Scams

Are you having trouble paying your car loan and thinking about doing business with a company that promises to get you a loan with lower monthly payments? Not all refinancing companies play by the rules. Learn how to recognize, avoid, and report auto loan refinancing scams.
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What To Know About Payday and Car Title Loans

Need cash fast to deal with an emergency, bills, or rent? A payday loan or car title loan might be tempting. But these are expensive loans and they can trap you in debt. Find out how they work and about other possible ways to get money or credit quickly.
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Fake and Abusive Debt Collectors

Have you ever gotten a call about a debt you don’t recognize? Or had a collector harass, threaten, or lie to you?

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Trouble Paying Your Taxes?

Do you owe back taxes and don’t know how you’re going to pay them? Tax relief companies say they can lower or get rid of your tax debts and stop back-tax collection. They say they’ll apply for IRS hardship programs on your behalf for an upfront fee. But in many cases, they leave you even further in debt. Your best bet is to try to work out a payment plan with the IRS for federal taxes or your state comptroller if you owe state taxes. 
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Debt Collection FAQs

Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights.
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Debts and Deceased Relatives

Here’s what to know about the rules and your rights when a collector contacts you about a deceased relative’s debts.
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Mortgage Relief Scams

Scammers promise to make changes to your mortgage loan or take other steps to save your home, but they don’t deliver. Never pay a company upfront for promises to help you get relief on paying your mortgage.
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Reverse Mortgages

Reverse mortgages let you cash in on the equity in your home: these mortgages can have serious implications.
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Your Rights When Paying Your Mortgage

Dealing with your mortgage can feel confusing and frustrating. But you have rights when it comes to making your payments and how your servicer manages your account. Learn your rights concerning how your loan servicer manages your mortgage loan account.