Guides
Articles about common issues for senior citizens and legally disabled persons struggling with debt.If you would rather discuss your situation than read an article, call 855-435-7787. There is no charge to talk to us.
Questions people ask us
Twenty-eight short answers about protected income, cost, signing up, credit, and what we do.
Receving a 1099-C tax form
What a 1099-C means, how to work out whether you were insolvent, and how to fill out IRS Form 982 to show the IRS you should not owe taxes on the cancelled debt.
When you can't afford your RV payment
How to surrender a motorhome or fifth wheel, what a deficiency balance is, and why it can't result in a judgment that can take your protected income.
Student Loan Debt
Find out why the type of student loan matters. Learn more about current options dealing with default of federal student loans and why disability discharge of federal student loans is still a working option.
Reliable Transportation
What to watch out for if you're considering a vehicle loan when you're on a fixed income. Ideas for finding affordable transportation.
Changing where your Social Security is deposited
Learn about the three ways to change your direct deposits to a new bank or credit union account and what these processes require.
How We Use the Law to Protect our Clients
The federal law we use to stop debt collection contact and a two-minute video explaining what we do.
If you are sued for a debt
Learn why a lawsuit for debt is not a criminal matter. Discover whether or not you have to file a response to a lawsuit. We explain what a judgment is and why most of the people we represent are judgment-proof.
Ask us your question
Tell us about your situation and our office will call you back, usually within one business day.