8 guides
Who is contacting you, what they legally have to prove, and how to deal with the biggest collection agencies.
Debt Collectors
You can make collection calls stop today, verbally for one channel or entirely with a written letter. What each option costs, and the exact letter to send.
April 23, 2026 · 12 min read
Debt Collectors
Jefferson Capital Systems is a Minneapolis debt buyer that collects card, auto, phone, and utility debts. Check the two creditor names and the itemization first.
April 14, 2026 · 7 min read
Debt Collectors
LVNV Funding buys charged-off debts and lets servicers like Resurgent collect them. What the tradeline means, what to verify, and how to settle it properly.
April 9, 2026 · 12 min read
Debt Collectors
Portfolio Recovery Associates bought your old account and collects it as the owner. Here's the exact sequence to follow before you pay or negotiate anything.
April 7, 2026 · 11 min read
Debt Collectors
Midland Credit Management is Encore Capital Group's U.S. debt buyer. Who they are, what the CFPB has required of them, and how to negotiate a settlement.
April 2, 2026 · 11 min read
Debt Collectors
Three kinds of company can hold your debt. Which one you're dealing with decides who can take your money, who can sue, and how far the balance can move.
February 26, 2026 · 16 min read
Debt Collectors
A collection letter can be one of four different documents, and each needs a different response. How to tell them apart, what to send back, and what never to say first.
February 19, 2026 · 13 min read
Debt Collectors
A missed payment becomes a collection account after about 180 days. Here's the full timeline, what changes when your debt is sold, and what to do first.
February 3, 2026 · 10 min read
