Collections
12 guides
All collections guides
New York Debt Collection Rules, Including the NYC SHIELD Rule From January 1, 2027
New York debt collection rules as of October 2026: the three year limit to sue, no revival by payment, and the NYC SHIELD Rule from January 1, 2027 explained.
Nov 3, 2026Pay for Delete Letter: How It Works and Whether Collectors Agree
A pay for delete letter offers to pay a collection account if the collector removes it from your credit reports. Here's what the CFPB and federal law say, when it might help, and how to write one.
Nov 2, 2026Texas Debt Collection Rules: Wage Garnishment, Bank Levies and What a Collector Can Do
Texas debt collection rules as of October 2026: no wage garnishment for most consumer debts, a four year limit to sue, and bank levy rules explained clearly.
Oct 30, 2026Florida Statute of Limitations on Debt: Time Limits by Debt Type
How long a creditor or debt collector has to sue you in Florida, what can pause the clock, what Florida's collection law adds, and what to do if you're sued over an old debt.
Oct 29, 2026Debt Validation, Step by Step: What to Check, What to Send and What to Track
Debt validation step by step as of October 2026: what the notice must contain, the 30 day window, how to request verification and track the reply in full.
Oct 28, 2026Debt Validation Letter: What Reg F Requires and a CFPB Sample Letter
What a debt collector's validation notice must include under Regulation F, how long you have to dispute, what happens after you do, and a sample letter based on the CFPB's.
Oct 27, 2026Wage Garnishment: Federal Limits and Where to Check Your State
How much of your paycheck can be garnished under federal law, which debts can take more, which benefits are protected, and where to check your state's rules.
Oct 26, 2026The FDCPA in Plain English: What Collectors Can and Can't Do
What the Fair Debt Collection Practices Act covers, what collectors can and can't do under it and Regulation F, and your options if one breaks the law.
Oct 23, 2026What Is the Statute of Limitations on Credit Card Debt?
The statute of limitations on card debt varies by state: three to six years. Past the deadline, collectors cannot win a lawsuit, but paying restarts it.
Mar 7, 2024What Can a Debt Collector Legally Do?
Your rights under the FDCPA and Regulation F, in plain language.
Mar 1, 2024What Happens When Credit Card Debt Goes to Collections?
After about 180 days of missed payments, card debt is typically charged off and sent to collections. What happens next, and the options you still have.
Feb 23, 2024What Can I Do If I'm Sued Over Credit Card Debt?
Respond on time, check the paperwork, and know your defenses.
Feb 20, 2024