Consumer credit guides
Find the guide that matches what happened.
Plain-English starting points that explain what to collect, what deadlines to verify, what consumer-rights issues may matter, and when to open a private case workspace.
Debt-buyer lawsuit
Standing, chain of title, service, answer deadlines, affidavits, limitations, and draft readiness.
Read → Collector contactCollection letter or calls
Validation notices, amount clarity, threats, settlement language, time-barred debt, and dispute windows.
Read → EmergencyGarnishment or levy
Judgment details, exemptions, protected funds, hearing dates, and income-source proof.
Read → Auto financeRepossession or deficiency
Retail installment terms, TILA disclosures, add-ons, sale notices, and deficiency calculations.
Read →How to read a debt collection lawsuit packet
Identify the plaintiff, deadline, court, amount claimed, exhibits, and what the filing does not prove.
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ChecklistChain of title in debt-buyer cases
Track contract, sale, assignment, account schedule, witness knowledge, and record admissibility gaps.
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Template guideRetail installment sale contract review
Spot APR, finance-charge, optional add-on, payment-schedule, assignment, arbitration, and cancellation issues.
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Template guideCredit reporting dispute packet
Organize bureau disputes, furnisher disputes, identity-theft materials, and supporting exhibits.
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ExplainerDiscovery requests in consumer debt cases
Plain-English overview of document requests, interrogatories, admissions, objections, and deadlines to verify.
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ChecklistGarnishment emergency review
Capture judgment details, employer/bank notices, exemptions, hearing dates, and income-source proof.
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WorkflowDebt-buyer lawsuit defense map
Organize standing, chain-of-title, contract, balance, affidavit, service, limitations, arbitration, and venue questions.
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ChecklistFDCPA collection-letter review
Review validation notices, amount clarity, communication issues, false threats, time-barred debt, and dispute windows.
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ExplainerJudgment and default review
Organize judgment date, service history, default status, appeal or motion deadlines, payment history, and garnishment risk.
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ChecklistAuto-finance repossession and deficiency review
Track retail installment terms, repossession notices, sale notices, deficiency calculations, add-ons, and UCC Article 9 questions.
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