Debt relief questions, answered

Answers

• Can you settle a debt after a judgment? — Answer
• Can a debt collector take your house? — Answer
• Debt management plan vs debt settlement — Answer
• Can a collector contact you after you dispute? — Answer
• Can you go to jail for not paying debt? — Answer
• Is debt consolidation a good idea? — Answer
• What happens to your debt when you die? — Answer
• How to rebuild credit after debt settlement — Answer
• Does settling a debt remove it from your report? — Answer
• Can creditors refuse a settlement offer? — Answer
• Should you pay a debt in collections? — Answer
• How much should you offer to settle a debt? — Answer
• Can a debt collector garnish your bank account? — Answer
• How to write a debt settlement letter — Answer
• How to remove a charge-off from your credit report — Disputes vs the 7-year rule
• Can you negotiate medical bills? — Yes - here is how
• Does debt consolidation hurt your credit? — Small temporary dip, explained
• What happens if you stop paying your credit cards? — The 30-180 day timeline
• Can debt collectors call your employer? — Your FDCPA rights at work
• Is debt settlement worth it? — When it makes sense — and when it doesn't
• How long does debt settlement take? — The realistic timeline
• Does debt settlement hurt your credit score? — The honest answer
• How much debt do you need to qualify for debt relief? — Typical minimums
• Can you settle IRS tax debt for less than you owe? — Offer in Compromise, explained
• Can you settle a merchant cash advance? — When MCA settlement is realistic
• What happens if you default on a merchant cash advance? — Lawsuits, judgments & personal exposure
• Can you refinance federal student loans? — Yes — but you'd lose federal protections
• Does refinancing student loans hurt your credit? — Soft pull vs hard pull, explained
• What is income-driven repayment (IDR)? — Federal payment caps by income