Iowa Debt Relief Lawyers

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What Control Do You Have Over Payment Of Debts?
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.
Which Debts are Most Likely to be Settled for Less Than Payment-In-Full?
Most unsecured debts can be settled. An unsecured debt is a debt where there is no collateral. Unsecured debts include medical bills, credit cards, department store cards, personal loans, … more
What Is The Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection.

What You Need to Know About Predatory Lending
In difficult economic times, many people will pursue whatever legal means are necessary in order to meet their families’ financial obligations. Sometimes, that means taking out additional loans to pay off existing debts or taking out loans with unfavorable terms. However, while some of those loans promise short term solutions they often pose long term problems and borrowers … more
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

Debt Collection FAQs: A Guide for Consumers (FTC Facts for Consumers)
The Federal Trade Commission (FTC), enforces the Fair Debt Collection Practices Act (FDCPA), … more
Canceled Debts, Foreclosures, Repossessions, and Abandonments (IRS Publication 4681)
This publication explains the federal tax treatment of canceled debts, foreclosures, … more
How To Avoid Foreclosure
This guide, by the U.S. Department of Housing and Urban Development, provides valuable … more