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One morning in the near future, you might reach for your phone to check your Facebook or Instagram messages and find a demand from a debt collector. New regulations that will go into effect later [...]

People sometimes use the phrase “judgment proof” when talking about trying to collect from a debtor. You might think that if someone is judgment proof, it means no creditor can get a [...]

Creditors have a number of tools at their disposal when it comes to collecting debts. Mostly, they rely on the contractual obligation that the debtor has to pay her bills. When debtors don’t pay, [...]

Once a debtor has completed Schedules D and E, any debts that remain are listed on Schedule F. This includes credit cards, medical bills, unsecured loans, balances owed after repossession or [...]

Unscrupulous creditors will sometimes threaten to have a debtor thrown in jail or send the police to their house unless they get a payment over the phone. These are scare tactics. No creditor can [...]