Course · Path 4 of 4

Know Your Rights

Collectors, old debts, lawsuits: the rules are on your side when you know them.

0 of 8 steps done · about 71 minutes of work, at your pace · Reset this path · Saved only on this device

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1. READ · ~10 minFDCPA explainedWhat collectors may and may not do, in plain language.Open this step →
2. READ · ~6 minThe debt validation letterYour first move when a collector contacts you.Open this step →
3. READ · ~6 minStatute of limitations in your stateHow long a collector can sue, state by state.Open this step →
4. READ · ~10 minSued by a debt collector? First stepsDeadlines matter most here. Read before you act.Open this step →
5. DO · ~15 minSend a validation requestFDCPA section 809(b), with the letter built for you.Open this step →Your number or note (saved on this device)
6. READ · ~6 minRespond by debt type and stageFirst contact, validation, negotiation, resolution.Open this step →
7. READ · ~8 minMedical debt: the current rulesSpecial protections apply to medical collections.Open this step →
8. CHECK · ~10 minStart your monthly checkup habitTwelve monthly guides keep your reports clean for good.Open this step →Your number or note (saved on this device)

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