Plain English on the
law that protects you.
Guides on the FDCPA, FCRA, debt validation, credit bureau disputes, and lawsuits, written for people in financial distress, not lawyers.
May 9, 20268 min read
How to Write a Debt Validation Letter (Free Template, FDCPA §1692g)
A debt validation letter forces a collector to prove the debt is yours, document the chain of title, and itemize every charge. Here's exactly what to include, when to send it, and what happens next.
FDCPAValidationLetters
May 9, 202613 min read
Statute of Limitations on Debt by State (2026 Guide)
How long can a debt collector legally sue you in your state? A complete 2026 reference table covering all 50 states plus DC, with citations to each statute, plus what restarts the clock and what to do if your debt is time-barred.
SOLFDCPALawsuitsTime-Barred Debt
May 9, 20269 min read
What to Say When a Debt Collector Calls (Word for Word)
The exact 3 sentences that end most debt collector calls, the things you must never say, what collectors are legally prohibited from doing, and what to do in the 24 hours after the call.
FDCPAPhone CallsCollectors