Consumer & Debt Rights
Know your rights with debt and money. Plain-English guides to debt collectors and the FDCPA, being sued for a debt, wage and bank garnishment, credit-report errors, medical bills, payday loans, repossession, bankruptcy, and scams — what collectors and creditors can and cannot legally do, and how to fight back.
Browse by situation
650 guides on debt, credit, and your money across 18 topics.
Debt Collectors & the FDCPA
A debt collector cannot do whatever it wants.
73 guides →Being Sued for a Debt
Served with a debt lawsuit? Doing nothing is the worst move — it hands the creditor a default judgment.
62 guides →Wage & Bank Garnishment
Can a creditor take money straight from your paycheck or bank account? Understand how garnishment and bank levies work, the federal and state limits on how much they can take, the income and property that is exempt, and how to stop or reduce a garnishment.
114 guides →Credit Reports & Errors
Your credit report controls loans, jobs, and apartments — and it is often wrong.
17 guides →Credit Repair & Rebuilding
You can repair your own credit for free — and the law protects you from credit-repair scams.
17 guides →Medical Bills & Debt
Medical debt has special rules.
16 guides →Student Loan Debt
Student loans come with rights and relief options most borrowers never hear about.
18 guides →Debt Settlement & Relief
Drowning in debt? Learn how settling a debt for less actually works, the tax and credit consequences, how to negotiate yourself, the difference between consolidation and settlement, and how to spot a debt-relief scam before it makes things worse.
21 guides →Bankruptcy
Bankruptcy is a legal fresh start, not a moral failure.
62 guides →Scams & Fraud
Scammers count on you not knowing your rights.
17 guides →Identity Theft
Someone is using your identity — act fast and you have strong protections.
11 guides →Car Loans, Repossession & Lemon Law
Car trouble of the legal kind.
111 guides →Payday Loans & Predatory Lending
Payday, title, and high-interest loans are a trap — and in many states, parts of them are illegal.
68 guides →Consumer Rights Basics
The fundamentals every consumer should know.
18 guides →Lottery Winnings
Won a big prize — or planning what you’d do? The legal and financial side of a lottery win: taxes, lump sum vs.
7 guides →Air Travel & Passenger Rights
Know your rights when you fly.
10 guides →AI, Deepfakes & Image Rights
AI can now fake anyone’s face, voice, or body — and the law is catching up.
5 guides →Copyright & Your Creative Work
Own a book, photo, song, or design? You already hold the copyright the moment you create it — no filing required.
3 guides →Latest consumer & debt guides
- Can You Sue After a Data Breach? What Courts Require
Can I sue for a data breach? Not on a higher risk of fraud alone, an Illinois court held in October 2026. See what courts require and what to do now.
- Do You Have to Pay a Private Parking Violation Notice?
A private parking notice is a business's demand, not a government ticket. Here is what the Fifth Circuit decided in Frankfort v. Metropolis, what it left open, and how to dispute a notice or collection.
- Chapter 7 Bankruptcy Exemptions: Protecting Your Assets
Chapter 7 exemptions decide what you keep when debts are wiped. Learn federal vs. state rules, how exemptions work in Alabama and Georgia, and when to get help.
- Colorado Bankruptcy Exemptions: What You Get to Keep
How Colorado bankruptcy exemptions protect your home, car, and property, the homestead and vehicle amounts, and why Colorado bars the federal exemption set.
- Can a Creditor Levy Your Cash App, Venmo, or Chime Account?
Yes, a creditor can often levy funds in Cash App, Venmo, or Chime. Here is how digital wallets are reached, and what protections you keep.
- New Hampshire Lemon Law: Your Rights for a Defective Vehicle
New Hampshire's Lemon Law (RSA 357-D) lets owners of a defective new vehicle demand a refund or replacement after 3 repair attempts or 30 business days out of service.