#debt
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What should I actually do when a debt collector starts calling me?
Getting calls about an old credit card debt and I don't know what my rights are or what I'm supposed to say. What's the right first move?
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Can a debt collector actually garnish my wages, and how does that process work?
Someone mentioned wage garnishment when I fell behind on a loan. Can that really happen, and what has to happen first?
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What's the actual difference between Chapter 7 and Chapter 13 bankruptcy?
Considering bankruptcy as an option but the terminology is confusing. What's the practical difference between the two most common types?
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Are debt settlement and credit repair companies actually legit, or should I avoid them?
Seeing a lot of ads for companies that promise to 'settle my debt for less' or 'repair my credit fast.' Are these worth using?