Collection/Repossession
Being Sued for a Debt?
The National Association of Consumer Advocates has created a series of videos providing information to consumers who are being sued on a debt. You can access those videos...
Can anyone use force to take my car from me?
If you have defaulted on a payment of a vehicle, the original seller may repossess the car that you have not finished paying for. The vehicle is what’s known as “collateral” and the people...
Claim of Exemption Form
General Claim of Exemption Form blank template for use in the State of Idaho.
Collections - Self-Help Forms
Interactive forms are available for free to low income individuals seeking a Claim of Exemption form or a Cease-Contact Letter to a creditor.
Links to the interactive Self-Help Forms are...
Consumer Complaints
At times we find ourselves in a difficult situation involving our bank, a large business, etc. and don’t know what to do. Calling customer service hasn’t led to any real results, so you may be...
Consumer Facts for Older Americans: When Your Social Security Benefits are Taken to Pay Back Money to the Federal Government
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. A 1996 law takes away...
Dealing with Debt Collectors
Are you being illegally harassed? If you are having problems with debt collectors, watch this video to learn about your rights under the Fair Debt Collection Practices Act and state...
Debt Collection Videos
View the videos on the pages above to learn more on a particular topic.
Most Common Problems
Are debt collectors calling you before 8 a.m. or after 9 p.m. or calling you at work without...
Defending Yourself in a Lawsuit
If you want to learn how to represent yourself, hear about common defenses against debt collectors, and gain knowledge of possible outcomes to your trial, then watch this...
Embargo de Sueldo
Un acreedor puede requerirle a un empleador a desviar parte del sueldo de un empleado para pagar un fallo/ sentencia. El acreedor está limitado a tomar el sueldo de un deudor que: a) exceda...
I Have a Judgment Against Me. Money is Being Taken Away from My Bank Account.
If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, learn what you can...
I Received Notice of a Lawsuit; What Should I Do?
If you are having problems with debt collectors, watch this video to learn about your rights! Hear about your rights under the Fair Debt Collection Practices Act and state laws. Find out what you...
Protecting Your Money from Garnishment
Many collection lawsuits are brought by companies called Debt Buyers. Debt Buyers pay money to other companies for the right to collect money owed to those companies. For example, you might owe...
Was I Served Legal Papers Properly?
If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, watch this video to learn what you can do. Learn about one of your key...