Disputing collections debt can protect your credit, but only if you know when it actually makes sense to do so.

The statute of limitations also plays a critical role. Each state sets time limits on how long a creditor can sue you for ...

Get to know the research on debt collection lawsuits, racial disparities in judgments, and a big slice of consumer debt: ...

In April 2025, Freedom Debt Relief reviewed data from tens of thousands of people actively looking for help with their debt. The numbers might be surprising. A collection account is a debt your ...

Filing for bankruptcy can be a daunting decision and is often viewed as a last resort for those struggling under the weight of unmanageable debt — but hundreds of thousands of Americans still file for ...

The U.S. Department of Education will delay plans to seize tax refunds and garnish wages from struggling student loan ...

Collection Debt by the Numbers: The National Picture In April 2025, about one in four people looking for debt relief had at least one account in collections. The average collection balance is $3,027, ...

One in four Americans seeking help with debt has at least one account in debt collections. The average debt collection balance is $3,027 across two accounts. Americans seeking debt relief are ...