Debt

A debt collector is a person or company that tries to collect money you owe. They might work for the company you owe or they might work for a collection agency hired to collect the debt or a debt buyer that bought your debt. These articles walk you through what to do if you get sued for a debt and the laws that protect you from harassment.

Medical debt is money you owe for health care. A medical bill can become medical debt when it goes unpaid and gets sent to a debt collector or leads to a lawsuit. These articles talk about the steps you can take before or after that happens.

Scammers and predatory lenders often target low-income people to try to steal your money or information or trap you in debt. You can take steps to protect yourself, and Virginia also has laws to protect you.

When money is taken directly from your paycheck to pay a debt to a third party, it is called wage garnishment. If it is taken out of your bank account, it is called bank garnishment. These articles can help you figure out what your garnishment is for, how to respond, and whether you can stop or reduce the amount.

Bankruptcy is a legal process where a federal court helps you deal with debt you cannot pay. The court can wipe out some or all of what you owe, or give you a plan to pay it off over time. These articles can help you understand the basics of bankruptcy. Please talk to a lawyer about your specific case.