within five days of their initial contact with you that you have the right to dispute the debt. In addition, you have the right to ask for a debt validation letter proving that the debt is yours.

You have to send that letter within 30 days after you receive the validation notice ... disclose the details of the debt, and make it easier for consumers to dispute the debt.

"The first step is to verify the debt's authenticity by requesting a validation letter from the collection ... yours or if there are errors, you can dispute it with the credit bureaus." ...

A charge-off is a status for significantly past-due debt. Learn more about what a charge-off is and how it impacts your ...

Accredited Debt Relief is our pick for the best overall debt relief company for its stellar reputation and ratings, experience and its focus on providing personalized options for its clients.

It's a morbid yet common worry: What happens to credit card debt when you die? Considering that the average credit card balance per person was $6,365 in 2023, there's a good chance you may leave ...

Average credit card debt in America is $8,674, based on 2024 data from the Federal Reserve and the U.S. Census Bureau. Credit card debt varies due to age/income/other factors, but only makes up a ...

The student loan debt balance in the U.S. has increased by 66% over the past decade, and it now totals more than $1.74 trillion, according to the Federal Reserve. Here’s a closer look at student ...

Scammers use texts, calls, emails and letters to create a false sense of urgency about debt repayment. Always ask for detailed information about the debt and the debt collector’s contact details ...