"Should I Pay Debt Collector Or Original Creditor" Discussion

Upsolve Community Member
You do have rights against collection agencies and debt collectors under the https://upsolve.org/learn/fdcpa/. Of course that won't prevent them from trying to collect the debt, it just limits what they can do. 

Upsolve Community Member
Here's a few resources that can help! 

Upsolve Community Member
https://upsolve.org/learn/happens-debt-goes-to-collections/

Upsolve Community Member
https://upsolve.org/learn/dealing-with-debt-collectors-when-you-cant-pay/

Upsolve Community Member
Hi JD! I', you are having a difficult time with collectors bugging you! Here is an excellent section on CARS in the Upsolve Learning Center: https://upsolve.org/learn/category/cars/. There is also an excellent article there on https://upsolve.org/learn/dealing-with-debt-collectors-when-you-cant-pay/

Upsolve Community Member
There's several different options for dealing with your debt- that article Mark shared is a great one. 

Upsolve Community Member
Keep asking questions as you have them! Thank you! 

Upsolve Community Member
This sounds stressful, Athena. https://help.upsolve.org/hc/en-us/articles/360019367693-How-does-bankruptcy-work-if-I-m-retired- Does this help? 

Upsolve Community Member
You might want to consider your different options for dealing with the debt- some options include debt consolidation, negotiating with the creditors, and filing for bankruptcy. You can learn more here if you want :) https://upsolve.org/learn/debt-consolidation-vs-bankruptcy/

Upsolve Community Member
After you file they can't call you anymore. I decided to file bankruptcy because they were calling so many times every day and I still couldn't pay them

Upsolve Community Member
This is a great question, thanks for asking. 

Upsolve Community Member
It depends on the specifics of your circumstances- but this might help you learn more! https://upsolve.org/learn/debt-collection-on-disability/

Upsolve Community Member
https://upsolve.org/learn/child-support-garnishment/

Upsolve Community Member
I'm sorry to hear about your uncle passing away. :( There are a lot of different legal considerations in your situation. Contact an attorney or a local legal aid office right away if you receive legal papers for a lawsuit. You could also contact a Consumer Protection attorney if you want to learn more about your rights and debt collection. This article explains how a Consumer Protection Attorney can help: https://upsolve.org/learn/what-is-a-consumer-protection-attorney/ This article has information on how to get free legal aid help: https://upsolve.org/learn/how-to-get-free-legal-aid-help/ There are also statutes of limitations on debt, so this article on time limits and old debt might give you a little peace: https://upsolve.org/learn/statute-of-limitations-debt/ 

Upsolve Community Member
Jacqueline shared some really helpful information- start there and circle back here if you have any further questions. Lawsuits can get complicated, and we don't offer legal advice here, but we're here to help point you in the right direction. 

Upsolve Community Member
Thanks for asking.