Legal questions, explained plainly

Learn when debt settlement companies can charge fees, identify common scam warning signs, and find free or low-cost debt relief assistance.

Learn what a statute of limitations means for old debts, what collectors can and can't do, and how to protect your rights.

A debt validation notice shows debt details. You have 30 days to dispute it in writing, which pauses collection efforts.

Federal rules limit when and how often debt collectors can call you. You can tell them to stop contacting you and report rule-breakers.

Verifying a lawyer's license is crucial before hiring them. Learn why and how to check if a lawyer is authorized to practice law in your state.

Contingency fees mean lawyers get paid if you win. Rules vary by state, and understanding agreements is crucial.

Learn why a notario público cannot give immigration legal advice in the U.S. and who is authorized to help you with immigration matters.

Free legal aid helps low-income Americans with civil legal problems. Eligibility often depends on income, and you can find help through online search tools.

Chapter 7 bankruptcy liquidates assets for creditors, while Chapter 13 creates a repayment plan, each designed for different financial situations.

Before you file for bankruptcy, you must complete credit counseling from an approved agency within 180 days to qualify for debt discharge.