
Debt Settlement Companies: Upfront Fees and Other Red Flags
Learn when debt settlement companies can charge fees, identify common scam warning signs, and find free or low-cost debt relief assistance.

What debt collectors can and cannot do, how to ask them to prove a debt, and how old debts work.

Learn when debt settlement companies can charge fees, identify common scam warning signs, and find free or low-cost debt relief assistance.

Learn what a statute of limitations means for old debts, what collectors can and can't do, and how to protect your rights.

A debt validation notice shows debt details. You have 30 days to dispute it in writing, which pauses collection efforts.

Federal rules limit when and how often debt collectors can call you. You can tell them to stop contacting you and report rule-breakers.