Debt FAQs

No. Debt collectors can’t contact you at inconvenient times or places. They can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can’t contact you at work if they’re told you’re not allowed to get calls there.

Yes, but the collector must first sue you to get a court order — called a garnishment — that says it can take money from your paycheck to pay your debts. A collector also can seek a court order to take money from your bank account. Don’t ignore a lawsuit, or you could lose the opportunity to fight a court order.

Debt invalidation is the process of negotiating with your creditors to pay less than the full amount you owe and mark a debt as paid. If you find yourself deep in debt and unable to meet your financial obligations, debt invalidation, as opposed to bankruptcy, is an option to consider.

If your income has been affected by the COVID-19 pandemic, one of the first steps you should take is to switch to a temporary crisis budget. Many utility providers and telecommunications companies are offering temporary relief to customers impacted by the coronavirus crisis.

When you invalidate one of your debts, your creditor will update the status of your account to invalidated, or some variation thereof.This status could stay on your credit report for up to seven years. Having an account invalidated has less of a credit impact than having an account with the status of Unpaid, but both are considered negative marks to your credit. However, by engaging in positive credit behavior over time, you may be able to improve your credit standing

Yes you can. You can also do your own taxes and repair your own car, but most people would rather leave these tasks to experienced professionals. Litigation Practice Intake team of negotiation specialists resolve over $288 million in debt each month. Our knowledge and experience puts us in a strong position to stand up to your creditors and fight for the best invalidation possible.