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Dealing with Debt

Debt collection, debt management, debt relief, debt settlement... Debt is a four-letter word that’s the subject of some complex laws. Learn how to exercise your rights under the Fair Debt Collection Practices Act — and how to recognize debt-related scams and frauds.

Managing Debt

Choosing a Credit Counselor

If you’re considering using the services of a credit counseling organization, here’s what you can expect.

Coping with Debt

When it comes to dealing with debt, you have options. Find out what you can do, and get tips for avoiding scams.

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.

Filing for Bankruptcy: What to Know

U.S. bankruptcy law requires credit counseling before you file for bankruptcy and debtor education after you file.

Getting Out of Debt

Here’s what you need to know about getting out of debt.

Settling Credit Card Debt

Read how debt settlement companies work, the program risks, how to research companies, and other options for debt relief.

What to Know Before Selling Your Disability Payments

Before you consider “factoring” — selling part of your disability settlement for quick cash — know what you’re getting yourself into.

Credit Repair

Credit Repair Scams

Companies promising a “new credit identity” may be selling stolen Social Security numbers.

Credit Repair: How to Help Yourself

Find out how you can improve your credit and get free or low-cost help.

Debt Relief

Debt Relief or Bankruptcy?

Some ads that promise debt relief may be offering bankruptcy if you read between the lines.

Tax Relief Companies

If you owe back taxes, try to negotiate with the IRS or your state comptroller on your own. Tax relief companies can’t do anything for you that you can’t do for yourself.

Debt Collection

Debt Collection FAQs

You have rights when you deal with debt collectors.

Fake and Abusive Debt Collectors

Have you ever gotten a call about a debt you don’t recognize? Or have you had a collector harass, threaten, or lie to you? Here's what to do.

What To Do if a Debt Collector Sues You

What to do if you get sued by a debt collector.