Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.
Your state Attorney General’s office can help you find out your rights under your state’s law.
Avoid the hassle of managing multiple credit card bills every month.
Combining all debt into one loan reduces your total monthly bills into one single payment, making it easier to plan your finances.
As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.
If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start by liquidating your assets to pay off your debts or create a payment plan.
Yet since bankruptcy has far-reaching and long-lasting results, you should first consider other debt management options.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
The Act covers personal, family, and household debts.