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This Fair Debt Collection sitemap is designed to help search engines find all of our pages.

Please visit our Fair Debt Collection homepage to browse this totally FREE debt and credit self-help information site.

Bank account funds can be seized by judgment!
Collectors can legally seize all of your bank account funds or wages with a court money judgment!

Debt arbitration is a legal alternative to judgments!
Arbitration can resolve your debt issue without a judgment and save you money!

Attorney debt collectors must follow the FDCPA
Debt Collection attorneys and lawyers are accountable under the Fair Debt Collection Practices Act (FDCPA).

Statute of limitations for bounced checks is typically 2 years
Bad checks usually expire after two years depending on your state’s law.

Commercial Business debts are not covered under the FDCPA
The FDCPA offers no protection when commercial business debts are being collected.

Charged off debts and third party collection attempts.
Debts that have been charged off and can still be collected; usually by third party debt collectors.

How to properly stop payment on personal checks
Follow these rules for properly stopping payment on personal checks!

Child support collection laws enforcement
Use these child support collection laws and state rules to get help collecting child support and to learn how to establish and enforce paternity, collect child support from..

Close credit account letter – FREE sample
Close inactive credit accounts with this free sample letter!

Collectors rules for checking credit reports
When checking credit reports, collectors must follow the FCRA rules!

Contracts Under Seal
Learn about contracts under seal and their statute of limitations by state.

Credit Fraud, how to avoid these top 10 credit fraud scams
Learn about the top ten fraud scams in the USA…

Creditor notification of pending collection action
Creditors may not have to notify you when they turn delinquent accounts over to collections.

Credit reports and scores explained plus their statute of limitations.
Credit reports, credit scores and the statute of limitations. Learn who can access your credit reports, how to read them and how to repair your own credit. Plus how to get free credit reports on-line instantly.

Debt Suspension and Debt Cancellation Contracts explained
Debt suspension and cancellation contracts are insurance policies but, do you really need them?

Debt notifications in accordance with the FDCPA.
Disputed debts require collectors to send proper notification of debt owed within 5 days of their initial contact.

Debt settlement advice with free settlement offer letters
Before settling an old debt, check to see if it has expired and, if not, use these strategies to make a good debt settlement offer.

Deceased debtors
Spouses can be held liable for the debts of their deceased husband or wife and the deceased person’s debts must be paid according to federal and state priority.

Student loans in default? Learn about your options here…
Learn about your rights and options when student loans are in default. Now that the statute of limitations has been eliminated, learn what you can do here…

Judgments and Default Judgments Explained!
Learn about civil, reverse and default judgments and what you can do about them!

Debts become delinquent immediately after missed payments
Debts became delinquent immediately after a missed payment regardless of so-called grace periods.

Disposable income explained!
A Disposable Income definition is not that simple! It depends on how whether the term is used for debt collection or other issues. Learn more here…

National “Do Not Call” Registry stops telemarketing calls
Register your name, home phone and cell phone to stop annoying telemarketing calls.

Debt collector harassment by email
Stop debt collector harassment by email with this copy and paste email text.

How to handle collection calls about your ex-spouse’s debts
Answers to who is responsible for an ex-spouse’s debts!

How to let family members deal with debt collectors!
You can allow family members and trusted friends to act on your behalf when dealing with debt collectors.

Garnishment of wages and bank accounts
Wage garnishment and bank account garnishment information on your rights and the laws.

Harassment and threats by debt collectors and creditors is illegal!
Stop bill collectors and debt collection agents from harassing you! Expert advice and FREE sample letters for disputing debts in accordance with the fair debt collection practices act.

How many times a day can collectors call?
Calling more than one time per day to collect a debt is illegal!

Identity theft; how to prevent it and protect yourself!
Guard against identity theft using this FREE information and repair your own credit with our FREE dispute letter.

Debt Statute of Limitations
The statute of limitations refers to the number of years that certain debts can be collected such as credit cards, oral agreements, promissory notes, written contracts and judgments!


If you believe you are a victim of illegal or unfair debt collection practices, submit your information to a FREE* Fair Debt Lawyer by:

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

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