Frequently Asked Questions

• Where Should I Report Violations Of The Law?
  Although the FTC can't act as your lawyer in private disputes, information about your experiences and concerns is vital to the enforcement of the Fair Credit Reporting Act. Send your questions or … more
• Can I Garnish a Debtor’s Wages to Satisfy What He/She Owes Me?
  Many states allow a creditor to garnish the wages of a debtor who has defaulted on his or her loan payments if certain conditions are met. For example, most states limit the amount of a … more
• Will I Ever Get Paid if the Debtor Files Bankruptcy?
  That depends. You must participate in the bankruptcy proceedings and you may desire legal representation depending on the complexity of the case, the legal priority of your debt and the … more

Legal Articles

• What to Do if You Can’t Pay Your Bills
  If you have lost your job, had unanticipated medical bills or simply taken on more creditors than you can afford to repay then you may be having difficulty paying the bills. Many people who are in this situation feel overwhelmed and unsure about how to proceed. While you may feel like there is nothing that you can do to help yourself, doing nothing is the worst mistake that you can … more
• Loan Default: Workout, Litigate or Foreclose?
  Creditors are often faced with a difficult decision when a borrower defaults on a loan. In order to stay in business, creditors must collect on as many loans as possible. However, there are different ways to collect on loans and different factors that determine which way is the best way to try to collect the money owed in a given situation. Primarily, creditors have three … more

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