The Debt Hotline

Credit cards. Tax debt. Business obligations. And no clear path forward.In this episode of The Debt Hotline, George is joined by attorney Greg Anjewierden to walk through one caller’s overwhelming situation and the real options available when the numbers feel impossible.Because when you’re staring at five figures of debt (or more), the question isn’t just “Can I pay this?”It’s: Where do I even start?Sued for debt? Use Solo to respond and resolve it:https://www.solosuit.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotlineIn this episode, you’ll learn:What to do when your debt feels completely unmanageableHow to prioritize credit cards vs tax debtWhen settlement makes sense — and when it doesn’tHow gambling and financial stress can compound debt problemsThe difference between business and consumer debt protectionsWhat happens if you miss a settlement paymentWhether judges can rule while you’re still negotiatingWhen bankruptcy might actually be the cleanest path forwardReal scenarios covered:A caller facing $81,000 in combined debt and unsure what to tackle firstA settlement collapsing over one missed Christmas paymentA nurse sued by Chase for $19,000“They never sent me a bill — can they still sue?”Business debt and why FDCPA protections may not applyThe bottom line When debt snowballs, it can feel like there’s no exit. But there is always a next best move. Whether it’s structured settlement, strategic negotiation, or bankruptcy protection, the worst thing you can do is freeze. The right strategy depends on your numbers — and your goals. You may feel stuck. You’re not.The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

In this episode of The Debt Hotline, George sits down with former debt collection attorney Greg Anjewierden, founder of DebtBrief, to break down the single biggest mistake people make after getting sued — and what to do instead.If you think calling the collector is your first move… think again.Sued for debt? Use Solo to respond and resolve it:https://www.solosuit.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotlineIn this episode, you’ll learn:Why filing your Answer should come before anything elseWhat happens if you ignore discovery requestsHow motions for summary judgment can end your case fastWhy some debt settlement companies make lawsuits worseWhat to do if you suspect identity theftHow wage garnishments stack (and who gets paid first)When statute of limitations can actually save youWhether you should show up to court (spoiler: yes)Real scenarios covered:Being sued while enrolled in a debt settlement programA $40,000 auto loan lawsuit that may be fraudMultiple wage garnishments piling upA case filed just beyond the statute of limitationsA judge quietly suggesting a motion to dismissThe bottom line The worst thing you can do after getting sued is panic or ignore it. The second worst? Trusting someone else without confirming your Answer was actually filed.The good news: when you engage in the process early, your leverage increases dramatically. Most creditors want resolution — not trial. But only if you show up.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Getting sued for debt can feel overwhelming — should you fight the lawsuit or negotiate a settlement?Attorney Greg Anjewierden has spent years on both sides of debt litigation. In this episode of The Debt Hotline, he breaks down real strategies that work in court.Sued for debt? Respond and resolve it with Solo: https://www.solosuit.com?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotlineYou’ll learn:When it makes sense to fight a debt lawsuitWhen it’s better to negotiate a settlementHow to protect yourself even if you owe the debtWhat debt collectors can and can’t doSettlement ranges and payment plan examplesReal caller situations you can learn fromGreg has represented both creditors and consumers, so he knows how each side approaches settlement, arbitration, discovery, and trial.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

You filed your answer. You avoided a default judgment. Now what?In this episode of The Debt Hotline, Hannah is joined by bankruptcy and consumer rights attorney John Skiba (The Consumer Warrior) to walk through what actually happens after you respond to a debt lawsuit. From initial disclosures to motions for summary judgment, we break down the stages of a debt collection case — and what you should expect at each step.If you’ve already filed your answer and are wondering whether you’re safe… this episode is for you.Sued for debt? Respond and settle with Solo: https://www.solosuit.com?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotlineIn this episode, you’ll learn:What typically happens after you file your answerHow long it takes to get a hearing date (and why it varies by state)What a motion for summary judgment means — and why it’s seriousWhether you should settle or fight the caseHow to create a realistic “settlement budget”The difference between negotiating with original creditors (like Discover) vs. debt buyersHow to avoid wage garnishmentWhat happens to your credit report after you settleReal questions covered:“They offered to settle after I filed my answer — what should I do?”“Discover filed a motion for summary judgment — did I lose?”“What percentage should I offer to settle a $15,000 lawsuit?”“How do I get a settled debt removed from my credit report?”“How long before I actually get a court date?”The bottom line Filing an answer is a powerful first step, but it’s not the end of the process. Debt lawsuits move through specific stages, and staying engaged is critical. The good news? Most creditors prefer settlement over trial, and negotiating early can save you thousands in fees, interest, and court costs.If you’ve been sued, don’t ignore it. Don’t panic either. There is almost always a path forward.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Debt consolidation is supposed to help… so why do some people end up owing more money and facing lawsuits anyway?Adam Parks joins this episode of The Debt Hotline. A 20-year veteran of the debt buying and collections industry, Adam breaks down what actually happens behind the scenes when debt is sold, negotiated, or sent to court.Adam has worked with more than 200 debt buyers, collection agencies, and law firms, and previously served as President of the Receivables Management Association International (RMAI). In this conversation, he explains why collectors sometimes sue, what makes them more willing to settle, and why ignoring debt collectors is often the fastest way to escalate a case. Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotlineIn this episode, you'll learn:Why debt consolidation can sometimes make balances growWhat really happens when your debt is sold to a debt buyerThe biggest mistake people make that triggers lawsuitsWhy collectors often prefer settlement over courtWhat debt collectors actually look for when deciding to sueHow to safely handle identity theft disputes with collectorsReal caller questions answered:“I consolidated $14k of debt and now I owe $25k and I'm being sued. What happened?”“Wells Fargo is suing me for $26,376 while my debt settlement company says they’re negotiating.”“Do judges ever dismiss these cases?”“A collector says I owe a debt from identity theft—what proof do they need?”“Should I settle before court if I can’t afford a lawyer?”The bottom line:Most debt lawsuits don’t happen overnight—they happen after months or years of missed communication. When consumers engage early, verify debts, and negotiate clearly, settlements are far more likely and lawsuits can often be avoided entirely.To submit a question to The Debt Hotline: Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Drowning in debt and wondering if you can actually negotiate with debt buyers? The answer is yes, but only if you communicate. In this episode of The Debt Hotline, George Simons sits down with Yale Levy, a seasoned attorney and former debt collector with nearly three decades of experience, to reveal the insider secrets of negotiating with debt buyers.Debt buyers purchase charged-off debt portfolios from banks for around 4% of the original amount, then try to collect the full balance from consumers. If you're being contacted by a company you've never heard of, they probably bought your old debt from the original creditor. Yale shares what he learned from decades in collections and why the number one rule for consumers is simple: communicate, don't hide.In this week's episode of The Debt Hotline, you'll learn:Why communication is the #1 factor in successful debt negotiationsHow to handle $150,000 in credit card debt when you're still current on paymentsWhat happens when your spouse passes away and leaves debt behindWhy "pay for delete" is largely a myth that doesn't work with major collectorsHow Social Security income can protect you from debt collectionWhat to do when settlement offers disappear due to missed deadlinesYale and George tackle real listener questions, including advice for someone with $150,000 in IT income facing massive credit card debt, a widow on Social Security worried about inherited debt, and consumers frustrated by settlement offers that kept increasing due to missed deadlines.Here are some important tips if you're dealing with debt buyers:Debt buyers purchased your debt for pennies on the dollar, giving you leverage in negotiationsSocial Security income is generally protected from garnishmentSettlement offers have real deadlines and missing them often means starting over at higher amounts"Pay for delete" violates credit reporting rules and major collectors won't honor these requestsPayment plans typically require $100+ monthly, sometimes extending up to 5 yearsEven with limited assets, you can often negotiate settlements for pennies on the dollarWhether you're dealing with Midland Funding, Portfolio Recovery, or any other debt buyer, this episode gives you practical strategies to communicate effectively, negotiate settlements, and avoid the biggest mistakes that cost consumers thousands. Solo can help you respond to debt lawsuits properly and SoloSettle makes debt negotiation straightforward—no awkward phone calls required.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

If collections are haunting you, your credit score is tanking, or you're struggling to qualify for loans, credit repair might be the solution you need. In this episode of The Debt Hotline, host Brandon from Team Solo sits down with Melinda, owner of Street Financial and a credit expert who transformed her own credit from poor to the high 700s. After working at three major banks and discovering that even financial institutions don't teach credit management, Melinda turned her struggles into expertise, helping thousands of people through TikTok, Instagram, and YouTube rebuild their credit profiles.Together, Brandon and Melinda explore how to pull official credit reports, dispute inaccuracies, negotiate with collection agencies, and build positive credit history. Melinda also addresses the emotional side of credit repair, reminding listeners that poor credit doesn't define your worth; it's just a season that can change with the right plan.Sued for debt? Use Solo to resolve it: Solo | Resolve debt.Real callers join the conversation with honest, relatable questions:Tanya (North Carolina): How can she reach 680 from 590 after the divorce within a year?Marcus (Texas): Should he settle three charged-off cards or focus on building new credit after job loss and repossession?Gwen (Georgia): How can she rebuild credit after fire damage destroyed her business and led to Synchrony charge-offs?Jamal (Florida): What's the fastest way to raise his 610 score to qualify for a mortgage?Melinda answers with practical, actionable advice designed to help listeners understand their rights and rebuild their financial futures.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected]

If you’ve ever been contacted by a debt collector and weren’t sure what to do next, this episode of The Debt Hotline breaks it all down. Host George Simons, founder of Solo, sits down with Greg Anjewierden, founder of DebtBrief, to discuss what really happens when old debts change hands—and how to handle situations where things don't add up.Greg draws on years of experience representing both collectors and consumers to explain how debt collectors must prove two key things: that you actually owe the debt, and that they have the legal right to collect it. He walks listeners through what “chain of custody” means, how missing documents can win your case, and why filing the right motions—like a motion to set aside judgment—can stop wage garnishments in their tracks.Together, George and Greg tackle real listener questions, including:Daniel (Washington): What happens when your student loan has been sold multiple times—do you still owe it?Antonetti (Arkansas): How do you stop garnishments when you already have a payment plan?Dominique (Tennessee): Should you consider bankruptcy if you owe $35,000 across multiple debts?Anonymous (Ohio): Can collectors still garnish wages for a 13-year-old debt?Maria (Texas): Why can collectors still contact you for debts past the statute of limitations?Christopher (Utah): What happens if you’re sued in two courts for the same debt?Listeners learn how to recognize when collectors overstep, how bankruptcy impacts lawsuits, and how settlement tools like SoloSettle can help consumers negotiate fair deals without going to court.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailEmail: [email protected] visit solosuit.com to learn how to respond to a debt lawsuit

Can Bankruptcy Stop Wage Garnishment, Foreclosure, or Lawsuits?If debt collectors are calling, your wages are being garnished, or you're facing foreclosure, bankruptcy might be the lifeline you need. In this episode of The Debt Hotline, host Hannah Locklear sits down with Stephen Nowak, a senior associate attorney at Guardian Litigation Group with decades of experience in bankruptcy law. Stephen has helped countless consumers facing financial hardship understand their options and regain control of their financial futures. Together, Hannah and Stephen explore how bankruptcy's automatic stay works, the difference between Chapter 7 and Chapter 13, and what debts can actually be eliminated.Listeners get an expert's perspective on how filing for bankruptcy immediately stops most collection actions, from wage garnishments to foreclosure auctions. Stephen breaks down the process from start to finish, explaining what happens the moment you file, how the automatic stay protects you, and which debts survive bankruptcy. He also addresses the emotional side of filing, helping listeners understand that bankruptcy isn't about failure; it's about using a constitutional right to get a fresh start.Sued for debt? Use SoloSuit to resolve it: Solo | Resolve debtReal callers join the conversation with honest, relatable questions:Rachel (California): Will Chapter 7 stop her $9,000 credit card wage garnishment immediately?Angela (New York): Can bankruptcy make her $45,000 medical debt lawsuit disappear?David (California): Will filing wipe out the $12,000 he still owes after car repossession?Carol (Texas): Does bankruptcy cover both child support and creditor garnishments?Allan (New York): How does bankruptcy handle seven years of back taxes?Stephen answers them all with compassionate, practical advice designed to help listeners understand their legal rights and make informed decisions about their financial recovery.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected]

Drowning in car payments or stuck in a loan that feels never-ending? In this episode of The Debt Hotline, host Hannah Locklear is joined by Joshua Tatum, co-founder and Chief Product Officer of CarPutty, a fintech company helping people manage and refinance their cars with transparency and control. With over two decades of experience in consumer finance, Joshua breaks down how to make smarter auto loan decisions, whether you’re buying, leasing, or refinancing, and how to treat your car like an asset, not a liability.Together, Hannah and Joshua explore real strategies to lower monthly payments, avoid long-term debt traps, and regain financial stability through tools like CarPutty’s Flexline and V3 valuation system. They also take live calls from listeners across the country:Rachel (Texas): Paying $650 a month for three years and still not seeing progress.Daniel (Ohio): Owes $28,000 on a car worth $22,000, what now?Louis (Florida): Credit score in the low 600s. Can he still refinance?Jessica (California): Needs a second car for her business but doesn’t want more debt.Andrew (New York): Unsure if refinancing will save him money long-term.Sued for debt? Use Solo to resolve it: Solo | Resolve debtKey insights from this episode of The Debt Hotline include:Why most Americans end up “upside down” on their car loans.How refinancing can reduce payments by hundreds each month.Why 72-month loans cost more than you think.Smart ways to finance multiple cars under one account.How to rebuild credit and use debt strategically.The bottom line: You don’t have to stay stuck in a bad car loan. With the right knowledge and tools, financial freedom is possible, one car payment at a time.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected]

Wondering if debt settlement is your best option, or just another trap? Join George from Solo as he sits down with Sheldon Banker, a longtime expert from TurboDebt, to break down how debt settlement works, when it makes sense, and what to do if you’re already being sued.Sheldon shares real listener Q&As covering payday loans, massive interest fees, co-signed student loans, and navigating settlement while enrolled in a debt relief program. Sued for debt? Visit https://www.solosuit.com/?utm=podcast to respond.In this week’s episode of The Debt Hotline, you’ll learn:[Start] What TurboDebt does and how they help consumers tackle overwhelming debt03:24 Can you still settle after getting sued for a payday loan?05:30 Why lawsuits change your options, and how Solo helps06:32 How to respond when a collector tacks on $14K in interest to your credit card debt09:21 What to expect if you’re in a debt relief program and still getting summons13:30 Debt settlement vs. bankruptcy: when each makes sense15:11 How to negotiate with collectors if you don’t have full payment upfront17:14 Why DIY debt settlement is tough and what professionals can do differently20:39 Solo’s 7-step roadmap from lawsuit response to building credit22:21 Is your debt big enough for a settlement program? (The $7,500 rule)23:14 Co-signed a student loan that defaulted? What to do when you’re now being pursuedKey insights from Sheldon Banker:Most debt settlement companies can’t help once a lawsuit has been filed, Solo can.The scariest part of debt relief is the fear of letting go of your credit score, but minimum payments forever isn’t a real solution.If your debts total more than $7,500, a settlement program may be a smart alternative to bankruptcy.Private student loans are eligible for settlement, even if you’re a co-signer.You can negotiate yourself, but working with a company can save serious time, stress, and money.George and Sheldon also walk through Solo’s roadmap for financial recovery, from responding to a lawsuit to rebuilding credit after resolution. Learn more about TurboDebt at https://www.turbodebt.com.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Struggling with a car loan that’s straining your monthly budget? In this episode of The Debt Hotline, Brandon is joined by Nick Koroskowski, President of iLending, one of the nation’s largest auto loan refinancing providers. With over 20 years of experience in finance and auto lending, Nick shares insider strategies for lowering car payments and freeing up cash.Together, they unpack the essentials of auto loan refinancing—how it works, who qualifies, and what kind of savings are realistic. Nick explains how families are saving an average of $148 per month through refinancing, why rising credit scores open the door to lower interest rates, and how protection products like gap insurance can safeguard household budgets. Sued for debt? Use Solo to resolve it: Solo | Resolve debtLive listener questions bring real-life scenarios to the table, including:Maria (Texas): Can refinancing an 11% loan cut her payments?Kevin (Florida): Is refinancing possible when upside down by $4,000?Ashley (Ohio): With a $615 monthly payment, can refinancing create breathing room?Bob (Live Q&A): Are auto loans front-loaded like mortgages, and what about fees?James (Colorado): Missed two payments last year—still eligible to refinance?Latoya (California): Managing two car loans totaling $1,200—can they be combined?Robert (Georgia): Does refinancing mean starting over with a new 7-year loan?Key insights include:How to know if your loan is overpriced and worth refinancing.Why a short-term dip in credit score often leads to long-term gains.How refinancing can help even if you’re upside down on your loan.What documents you’ll need to get started—and how quick the process can be.Why there are no hidden fees when refinancing through transparent lenders.The bottom line: refinancing isn’t just for people in trouble—it’s for anyone looking to save money, reduce stress, or build flexibility into their budget. Even if your situation feels complicated, it’s free to explore your options.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected]

Drowning in debt and unsure whether bankruptcy or settlement is the right move? In this episode of The Debt Hotline, George is joined by Ben Jackson, co-founder of Upsolve, the nation’s largest nonprofit bankruptcy platform. Ben knows the struggle firsthand. After his first business failed, he was left with $60,000 in credit card debt and no way to pay it off. Filing Chapter 7 bankruptcy gave him a fresh start and the chance to rebuild his financial life.Together, George and Ben break down the critical decision many Americans face: whether to wipe out debt through bankruptcy or negotiate down balances through settlement. They share insider insights on Chapter 7 vs. Chapter 13 bankruptcy, debt management plans, and how everyday people can bounce back from even the toughest financial setbacks.Sued for debt? Use Solo to resolve it: Solo | Resolve debtLive caller questions add real-world perspective, including:Linda (Minnesota): On SSDI and worried about losing credit access after bankruptcy.Rufino (Illinois): Unsure if filing in one state will affect a move for work.Jeff (California): Facing an $8,000 lawsuit, should he choose mediation or arbitration?Nicola (Illinois): Current on credit cards, but wondering if banks will still negotiate a settlement.TC (Entrepreneur): Carrying $75,000 in debt on $50,000 annual income, what’s the next step?Key insights include:How bankruptcy can make you $160,000 better off over ten years.Why debt settlement may be smarter for balances under $10,000.The role of credit counseling and debt management plans in avoiding court.How quickly do credit scores recover after bankruptcy or settlement?The bottom line: Don’t let fear keep you stuck. Whether through bankruptcy, settlement, or a management plan, there’s always a way forward.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected]

Getting sued for debt can throw your life off balance, but you don’t have to face it on your own. In this episode of The Debt Hotline, Hannah Locklear is joined by Mitchell Ortega, Director of Litigation at Guardian Litigation Group. With years of experience in debt defense, bankruptcy, and consumer protection, Mitchell breaks down the debt lawsuit process from start to finish and shares the key steps you can take to protect yourself.Together, Hannah and Mitchell explain why most lawsuits don’t start with reckless spending but with life events like job loss, medical bills, or divorce. They cover what happens when you receive a demand letter, why you should never ignore service of process, and how filing an Answer keeps default judgment off the table. Mitchell also highlights how discovery works, when to consider arbitration, and what to do if identity theft or fraud is involved.Sued for debt? Use Solo to respond: https://www.solosuit.com/?utm_source=podcastSolo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt at https://www.solosuit.com/giveaway?utm_source=podcastIn this week’s episode of The Debt Hotline, you’ll learn:What a demand letter means and why it mattersWhy avoiding service can make things worseHow filing an Answer is your strongest first defenseWhy discovery is an opportunity, not just a burdenHow and when to negotiate a settlement before trialWhat default judgments really mean for your wages and assetsHow arbitration and identity theft change the litigation landscapeThe bottom line: Debt lawsuits are stressful, but with the right steps, you can regain control. Respond, negotiate, and settle before court for the best outcomes (in most cases). To submit a question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Email: [email protected]

Think a judge will “meet you halfway” in court? Think again. In this episode of The Debt Hotline, George is joined by bankruptcy and consumer rights attorney John Skiba, who has helped more than 10,000 families resolve overwhelming debt.Together, George and John explain why trials are always winner-takes-all, how to avoid risky court outcomes, and the smart steps you can take to negotiate with Cavalry SPV and other collectors before it’s too late. They also take live caller questions covering lawsuits, credit reporting, CareCredit collections, and bankruptcy gone wrong.Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcastSolo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt at https://www.solosuit.com/giveaway?utm_source=podcastIn this week’s episode of The Debt Hotline, you’ll learn:Why judges don’t split the difference in debt cases (it’s all or nothing)How Cavalry SPV works as a debt buyer (and how to verify what you owe)Why filing an answer is your strongest defenseHow to protect yourself with written settlement agreementsWhat “dismissed with prejudice” really means for your credit reportWhen bankruptcy may (or may not) be the right path forwardReal caller stories include:Jenna (Texas): Sued by Cavalry for $2,700 but unable to afford the court-offered payment planDana (Oklahoma): Sued by a credit union while Chase offers a $1,400 settlement on the same accountMina (California): Collector missed court twice—can she clear the case from her credit?Tamara (Georgia): Stuck after her prepaid legal attorney abandoned her $800 CareCredit lawsuitRon (Missouri): Paid for a Chapter 7 bankruptcy that was never filed—now facing multiple lawsuitsKey insights:Settlement gives you more control than trial, where the stakes are all-or-nothingJudgments can lead to garnishments, liens, and levies depending on your stateNot all dismissals are equal—with prejudice can protect you from future collectionBankruptcy exemptions vary widely by state and may determine whether you keep your homeThe bottom line:If you’ve been sued for debt, don’t wait for a judge to cut you a deal—it won’t happen. Your best move is to settle before trial, keep control of the outcome, and protect your financial future.To submit a question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Think old debts just disappear? Think again. In this episode of The Debt Hotline, your host George and debt collection attorney Greg Anjewierden break down statute of limitations laws and tackle three jaw-dropping caller situations that prove ignoring debt problems can haunt you for decades, even across international borders.Greg Anjewierden is a licensed attorney, CEO and founder of Debtbrief, and former debt collection lawyer who knows the inner workings of debt litigation. He helps people navigate debt lawsuits with consulting, legal representation, and educational resources.Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcastSolo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm_source=podcastIn this week's episode of The Debt Hotline, you'll learn:What statute of limitations means and why it varies by state and debt typeWhy you MUST still respond to lawsuits, even if the statute has expiredHow to check your state's statute of limitations using Solo's calculatorWhen selling debt to collectors does NOT restart the clockReal caller stories with escalating drama:Asia (Texas): 8-year-old $900 medical debt - statute expired but collectors still textingDennis (Ecuador): $450k judgment from 2015 business foreclosure now being enforced by debt buyers who garnished his retirement accounts while he's living abroadVanessa (Missouri): Teacher questioning whether Mazuma Credit Union misrepresented their relationship with Capital One after car repossessionKey legal insights:How process servers work (and yes, they can dress as Amazon delivery drivers)Why domesticating judgments across states creates enforcement opportunitiesWhen settlement agreements might limit your ability to pursue counterclaimsAsset protection strategies for retirement accounts and IRAsThe bottom line:Old debt doesn’t just vanish, and the statute of limitations is simply a legal defense that still requires you to take action. Even expired debts can be collected through continued contact until you send a cease and desist letter. More importantly, ignoring valid debts can lead to judgments that can follow you for decades.If you want to understand your options before you step into court, visit Debtbrief at https://debtbrief.com/.To calculate the statute of limitations on your debt, you can use Solo’s calculator: https://www.solosuit.com/posts/statute-limitations-debt-by-state To submit a question to The Debt Hotline:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Are you worried that bankruptcy will destroy your credit forever? Think again. In this episode of The Debt Hotline, Hannah sits down with Ben Jackson, co-founder of Upsolve, to debunk the biggest myths about bankruptcy and credit scores. Ben shares his personal journey from $60,000 in debt to homeownership—all thanks to filing Chapter 7 bankruptcy at age 29.Ben is the co-founder of Upsolve, the largest bankruptcy nonprofit in the US that's helped over 18,000 people file bankruptcy and protect nearly $1 billion in debt. He has personal experience using bankruptcy to build the financial foundation for his current success.Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcastConsidering bankruptcy? Get free help at upsolve.orgSolo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm_source=podcastIn this week's episode of The Debt Hotline, you'll learn:Why most people see little to no credit damage from filing bankruptcy (and some see immediate improvement)How Ben rebuilt his credit score from 650 to over 700 within 18 months of filing bankruptcyThe difference between Chapter 7 (fresh start) and Chapter 13 (repayment plan) bankruptcyWhy filing bankruptcy in your twenties can accelerate long-term wealth buildingHow Upsolve's free tool works like TurboTax for bankruptcy formsReal listener Q&A covering:Whether bankruptcy affects your spouse's credit (it doesn't, if you file individually)How to handle stipulated judgments and unexpected interest chargesFiling bankruptcy while living outside the USProtecting assets like retirement accounts and irrevocable trustsWhat can cause a Chapter 7 filing to be denied (spoiler: almost nothing)The bottom line: By the time most people consider bankruptcy, their credit is already damaged from late payments and high debt. Filing bankruptcy often stops the bleeding immediately and starts the healing process. Most Upsolve users reach the 600s within 1-2 years and the 700s within 2-3 years. Courts want you to succeed, and bankruptcy is a legal right designed for fresh starts, not a moral failing.Ben's story: At 29, Ben was drowning in $60,000 of credit card debt despite working 60-80 hours a week for Uber and Lyft. He almost filed the wrong type of bankruptcy and spent six months with stacks of paper, creating a fire hazard in his living room. Today, he owns a home, has a family, and runs a successful nonprofit—all because bankruptcy gave him the fresh start he needed.To submit a question to The Debt Hotline:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

If you've been sued for debt and have no idea what happens next, this episode of The Debt Hotline is for you. Host Hannah Locklear is joined by Yale Levy, a former debt collection attorney with over 20 years of experience on both sides of the debt collection process. Together, they walk through the debt collection lawsuit process, from the first collection letter to your day in court, and offer tips for navigating it without losing control of your finances.Yale offers a rare, behind-the-scenes view of how creditors and collection law firms operate and what they’re really hoping for when they sue you. Spoiler: most of them don’t want to go to trial either. If you’ve received a summons, filed an Answer, or are worried about garnishment, this episode will give you the clarity (and confidence) to take your next step.Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcastSolo's Dancin’ in September Debt Payoff GiveawayEnter for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm_source=podcast + $500 mini prizes every Friday in September. Enter daily for more chances to win! What happens after a creditor sues you, and why you were selected for a lawsuitThe importance of responding with an Answer (and how Solo can help)What to expect during hearings and trials, from opening statements to final rulingsHow to negotiate a settlement at any stage of the lawsuitThe financial risks of ignoring your case, including wage garnishment and liensReal listener questions answered:“I’m on SSI—can they freeze my account or garnish me?”“I got a dismissal notice without prejudice. Should I sign it?”“What happens at arbitration, and can I settle beforehand?”“I’m being sued for a debt that was sold—can they still do that?”The bottom line: Filing an Answer gives you negotiation power and can delay or even prevent a judgment entirely. Most collectors prefer to settle out of court since trials are costly and time-consuming. If you ignore your case, garnishment and liens can kick in, taking control away from you and adding court fees and interest. Settling gives you the power to choose how and when you pay. And if your only income is from SSI or disability, it’s likely protected, but you still need to respond to protect yourself. Solo can help you file your Answer, and SoloSettle lets you negotiate a payment plan or lump sum on your terms.To submit a question to The Debt Hotline:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Building wealth after debt is possible and it can be an exciting journey. In this episode of The Debt Hotline, Hannah is joined by Michelle Winterfield, CEO and co-founder of Tandem, a finance app helping over 130,000 households manage more than $200 million. Michelle shares practical strategies for building long-term wealth for modern households, even if you're starting from zero (or below).Michelle brings deep insight from both her own financial journey and her time as a private equity investor turned fintech founder. She explains how to balance short- and long-term financial goals, why your mindset matters, and how to flip the narrative on family finances to build a secure future together.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week’s episode, you’ll learn:How to build family wealth, even with student loans or credit card debtWhy 6–9 months of emergency savings is step one (and where to keep it)Which investment accounts offer the best tax advantagesHow couples can build trust and avoid conflict around moneyWhy consistent investing matters more than perfect timingReal listener questions answered:“I paid off $22,000 in credit card debt. Why is my credit score still low?”“My wife wants to save, I want to invest, how do we decide?”“Is getting a second job better than budgeting on one income?”“How can a college freshman start building wealth?”“Should I invest my $4,000 savings or keep building my emergency fund?”The bottom line: Building wealth starts with smart foundations. She recommends paying off high-interest debt first, but not waiting forever to begin investing. Take advantage of “free money” like your employer’s 401(k) match, and use high-yield savings accounts for short-term goals. Transparency with your partner, especially about debt, is crucial, and treating saving and investing like non-negotiable monthly bills can create the consistency needed to build long-term financial security.To learn more about Michelle and Tandem:Website: https://www.usetandem.comInstagram & TikTok: @missmoneymichelleTo submit a question to The Debt Hotline, you can:Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

In this episode of The Debt Hotline, George from Team Solo is joined by consumer rights attorney Yale Levy, a seasoned legal expert with nearly 30 years of experience in collections, creditor and debtor rights, and civil litigation. As Solo’s head of business development, Yale brings insider knowledge from both sides of the debt industry.Together, George and Yale take on a tough question from a listener who borrowed money to invest in crypto and now faces a $15,000 lawsuit from PNC Bank. The caller shares how they tried to resolve the debt and why their court judgment caught them off guard. Yale and George walk through what went wrong, explain how to challenge a judgment, and offer tips for recovering from debt that spirals out of control. They also touch on crypto risk, how SoloSettle works, and the importance of filing the right paperwork when you're sued.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week’s episode of The Debt Hotline, you’ll learn:Why settlement is always on the table, even after you’ve been suedHow to time your offer for maximum successWhat collectors are legally required to do, and how to hold them to itWhy SoloSettle is a great alternative to calling collectors directlyReal listener questions answered:Whether you can be sued in one state if you’ve moved to another stateSettling debt after a default judgment is already enteredHow to make sure your Answer was received How to clear debt from your credit report after you’ve settled your debtThe bottom line: If you’ve borrowed money and it didn’t pan out, you still have options. Debt collectors settle all the time, but as a consumer, you should know your rights so you can protect yourself and show collectors you’re serious about settling. Filing the correct court documents, like an Answer or Motion to Vacate Judgment, can buy you time and even open the door to a better deal. Make sure you communicate with debt collectors. Avoiding phone calls doesn’t help, but platforms like SoloSettle can remove the emotion from the process and keep things on your terms. Always get settlement terms in writing and make sure they include a full release of debt. And remember, the law is on your side when you know how to use it.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

If you're staring down overwhelming debt and wondering if bankruptcy might be the right option, this episode is a must-listen. Ben Jackson joins this week's episode of The Debt Hotline to share his personal bankruptcy experience and expert tips on navigating the entire bankruptcy process.Ben is the Co-founder of Upsolve, a nonprofit that's helped thousands of people file bankruptcy without hiring an attorney. Plus, Ben explains how he personally resolved more than $60,000 of debt through bankruptcy and eventually became a homeowner.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:When it makes sense to respond to a lawsuit vs when to consider bankruptcyHow long the bankruptcy process takes and what to expectHow bankruptcy affects your credit score and recovery timelineWhy Ben's credit score actually went up after filingHow to protect your assets, including your home and retirement accountsThe difference between Chapter 7 and Chapter 13 bankruptcyBen and George also answer real listener questions about timing bankruptcy with debt lawsuits, using 401k funds to pay off debt, and what veterans need to know about bankruptcy options.Here are some important tips if you're considering bankruptcy:You can file Chapter 7 bankruptcy for free using Upsolve.org—no lawyer requiredFiling bankruptcy stops most lawsuits and wage garnishments, but timing mattersResponding to a debt lawsuit first is critical, even if you plan to file bankruptcy laterMost people eliminate $40K–$100K in debt and only pay a $338 court fee (often waived)Retirement accounts like 401k plans are typically protected in Chapter 7 bankruptcyYour credit can recover within 1-2 years, sometimes improving immediately after filingWhether you're facing lawsuits from multiple creditors or just overwhelmed by monthly interest payments that exceed your living expenses, this episode provides honest insights about bankruptcy as a legitimate path to financial freedom. Through Ben's experience, you'll see how bankruptcy works as a legal tool for getting a fresh start rather than a sign of giving up.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

It might seem like an extreme question, but if you're buried in credit card debt, the fear of legal action can feel very real. Could you actually go to jail? George from Team Solo sits down with bankruptcy and consumer rights attorney, John Skiba, to discuss the smartest ways to settle credit card debt, avoid default judgments, and why timing matters when negotiating with collectors. John brings 20 years of legal experience in debt settlement, collections defense, and bankruptcy to the table, and he shares why the settlement process often favors the consumer, if you know what to do.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to respond and settle today.In this week’s episode of The Debt Hotline, you’ll learn:John shares why early communication matters, when to offer a lump sum, and what leverage consumers actually have.A breakdown of consolidation, settlement firms, bankruptcy, and new tools like SoloSettle.Facing default judgment in Texas: George and John walk Alana through responding to a default judgment, negotiating with a law firm, and using Solo.John explains civil vs. criminal law, garnishments, and rare contempt scenarios.Steps to take if you're facing a lawsuit for fraudulent or identity theft–related debt.Will shares how he used SoloSuit to respond to a lawsuit and asks what to expect next as he works to resolve his debt. George wraps with Solo’s 7-step framework for getting out of debt and building long-term wealth.Real listener questions answered:George and John also field real listener questions, including a college student scared about a $2,500 collections notice, a business owner facing $60,000 in merchant debt, and a woman wondering if her unpaid credit card balance could land her in jail.Key takeaways from attorney John Skiba:You don’t have to be served in-person to be sued—watch your mailboxA proper Answer to the lawsuit can stop a default judgment in its tracksMost collectors will settle because court costs and proof burdens are highYou can (and should) ask for a better settlement than their first offerSoloSettle is one of the safest ways to negotiate if you’re nervous about calling“Pay-for-delete” is rare with credit card debt, but not impossible if you negotiate rightThe bottom line: Even large debts can be settled safely and quickly if you respond the right way. George wraps the episode by sharing Solo’s 7-step framework for financial recovery:Respond to your lawsuit.Settle your lawsuit.Settle your other debts.Save a $1,000 stash for emergencies.Automate investments into index funds.Boost your credit score to 800Prosper—become a millionaire. Connect with John Skiba:Website: https://skibalaw.com/ YouTube: The Consumer Warrior YouTube ChannelTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Email: [email protected]

Struggling with poor credit? You’re not alone, and it’s not a life sentence. In this episode of The Debt Hotline, credit expert Melinda Carrera shares her personal journey from bad credit to a high 700s score. She also breaks down the tools, tactics, and mindset shifts that helped her rebuild credit fast and how you can use them in your own credit journey. Melinda is the owner of Street Financial, where she helps others clean up their credit reports, remove damaging accounts, and learn how to advocate for themselves with lenders and credit bureaus. From negotiating settlements to using phone-based credit cards, her tips are practical and proven.Struggling with debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week’s episode, you’ll learn:[Start] How Melinda raised her score after years of credit missteps04:07 What Street Financial does to help clients clean up personal info and get better results06:46 How to use pay-for-delete to negotiate lower settlements and improve your report08:44 What to do when a collection is only removed from some bureaus10:15) Why staying persistent with credit bureaus really pays off14:28 Can you remove a lawsuit from your credit report if the plaintiff didn’t show up?16:56 How to go from a 486 score to mortgage-ready19:00 Why Credit AI and phone-based cards are a modern alternative to secured cards20:39 A full breakdown of the 5 factors that shape your credit score23:52 Why your score might be stuck, even if you paid down debt26:08 What Melinda offers—credit reviews, dispute letters, Zoom consults, and free tools27:46 Can you remove a charge-off by sending a payment-for-removal letter?Key insights from Melinda Carrera:You don’t need a secured card to rebuild, start with a credit-building app from your phoneAlways get written proof when doing a pay-for-deleteYou can still remove settled accounts if you’re persistent with the bureausCapital One and other lenders may be more flexible than you thinkExperian’s free credit tools can show exactly where you need to improveYour credit score is made up of five key categories:35% Payment history: Stay current and avoid going more than 30 days late30% Utilization: Try to stay below 30% of your credit limit on each account15% Credit mix: Use a mix of revolving (credit cards) and installment (loans)10% Inquiries: Minimize hard credit pulls to avoid unnecessary dings10% Credit history length: It helps to have 7+ years of positive credit activityMelinda also answers real listener questions, from how to fix a 486 score to removing charge-offs and breaking past a 620 plateau.Connect with Melinda Carrera:You can find Melinda at @MelMoneyGal on all social media platforms. Melinda stresses that she only has one account all using the same username and there are lots of imposters.Instagram: https://www.instagram.com/MelMoneyGal/TikTok: https://www.tiktok.com/@melmoneygalLinktree: https://linktr.ee/MelindaCarreraStreet Financial website: https://www.streetfinancial.net/To submit a question to The Debt Hotline, you can:Call 801-613-8181Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Debt collection letter sitting on your kitchen table? Before you panic or ignore it, you need to know your rights. This episode of The Debt Hotline brings you insider secrets from someone who used to be on the other side: Greg Anjewierden, a licensed attorney who spent years collecting unpaid medical debt before switching sides to help consumers.Whether you're staring at your collection letter wondering if you should panic (spoiler: you shouldn't) or you're already dealing with a debt lawsuit, Greg breaks down your real options and rights in plain English.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:Why you're not legally required to respond to debt collection letters (until they actually sue you)How to send debt validation letters that force collectors to prove they own your debtWhy filing an Answer document is crucial, even before you're officially servedSettlement strategies that actually work when negotiating with debt collectorsHow to challenge car valuations after repossession to reduce what you still oweWhat to do when business debt involves personal guaranteesReal listener questions answered: Greg and George tackle urgent listener situations, including Raquel in Georgia facing a $13,400 lawsuit after medical hardship left her unable to work for a year, William dealing with American Express debt after his business partner's embezzlement scheme landed the partner in prison, and Scott rebuilding his entire financial life after losing $1.5 million to a fraudulent business partner. Key insights from Attorney Greg Anjewierden:"You're not legally obligated to give any response to a debt collector until you are sued"Debt buyers have to prove two things: that you owed the original debt AND that they legally own it nowFiling an Answer prevents default judgments and gives you leverage in settlement negotiationsNever admit you owe the debt in early communications, even if you know it's yoursDon’t expect your first settlement offer to be accepted, so don’t panic and keep negotiating counteroffersSpecial celebration: We announced Shawn as winner of our $4,700 debt payoff giveaway! Shawn, a 57-year-old former Wells Fargo marketing professional dealing with job search ageism, shared how the money will help him tackle his credit card debt and get back on his feet. Plot twist: he's negotiating with his former employer to settle the debt.Greg's insider perspective makes this episode essential listening if you're dealing with debt collectors. His advice comes from years of working both sides of the debt collection game, so you know you're getting strategies that actually work in the real world.Connect with Greg Anjewierden: Website: https://debtbrief.com/ Debtbrief offers affordable debt lawsuit defense including consulting, legal representation, forms, courses and other resources.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Worried bankruptcy will ruin your credit forever? Think you'll lose everything you own? Attorney Shawn Orcutt joins this episode of The Debt Hotline to bust the myths that keep people stuck in debt and explain how bankruptcy could actually be the fastest route to financial freedom.Shawn brings 15 years of bankruptcy experience to North Carolina families drowning in debt. His background is unique: computer science degree, MBA in financial planning, then law school after watching debt settlement clients get harassed daily. He loves bankruptcy law because it's one area where the power shifts back to consumers instead of creditors.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this Q&A episode of The Debt Hotline, you'll learn:Why Chapter 7 vs Chapter 13 bankruptcy isn't about "better or worse" but about what works for your situationThe truth about asset protection: most people keep everything they want to keepHow bankruptcy can wipe out massive IRS debt (if it's old enough and filed properly)Why filing bankruptcy triggers an automatic stay that stops foreclosures, lawsuits, and garnishments coldThe "spring cleaning" method: deciding what debts go in the keep pile vs trash pileHow bankruptcy actually improves your credit faster than you thinkReal listener questions answered:Hannah and Shawn tackle urgent situations including Bob facing a condo foreclosure with just days to spare, Madea in Texas being sued by her former landlord, and Dorian in Oklahoma trapped by predatory lenders with automatic bank drafts. They also address Angela in North Carolina worried about losing her house over $45,000 in debt, plus questions about HOA lawsuits, debt consolidation programs, and disabled individuals seeking debt relief.Key takeaways from Attorney Shawn Orcutt:The automatic stay kicks in the moment you file and creditors have to stop everything immediatelyCredit cards, medical bills, and personal loans get wiped out completely in the "trash pile"Chapter 13 gives you 3-5 years to catch up on house payments, taxes, and cars, and it's breathing room, not punishmentMost people keep everything they actually want; you only give up stuff you're tired of paying for anywayYour credit score focuses on the last 2 years of activity, not the full decade bankruptcy stays on your reportCreditors will flood you with credit card offers right after discharge because you're debt-free and hungry to rebuildShawn's personal credit experiment proves you can hit a credit score of 720-750 within two years by managing 3-5 credit cards strategically and requesting limit increases. FHA, USDA, and VA loans become available just two years after discharge, sometimes even during a Chapter 13 bankruptcy if you've made good trustee payments.The bottom line: Bankruptcy isn't financial death. It's often the fastest path to financial recovery when debt becomes unmanageable.Connect with Shawn Orcutt and The Law Offices of John T. Orcutt: https://www.billsbills.com Additional bankruptcy resources: National Association of Consumer Bankruptcy Attorneys: https://www.nacba.orgTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Debt collectors calling your job? Getting sued and don't know what to do?Attorney Jeff Lohman from Guardian Litigation Group joins this episode of The Debt Hotline to break down your fundamental rights when dealing with debt collection and what to do when collectors cross the line.Jeff brings his personal experience to this conversation. After losing everything in the 2008 mortgage collapse, he went to law school specifically to become a consumer protection attorney. Now he helps people navigate debt collection lawsuits, FDCPA violations, and credit reporting issues in Arizona and beyond.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this episode of The Debt Hotline, you'll learn:Your two most important rights: debt validation and freedom from harassmentWhy you have exactly 30 days to request debt validation from collectorsWhat actually counts as harassment under federal law (and why Regulation F was pulled back)How to handle default judgment requests and potentially get them vacatedWhen debt collectors can and cannot contact your family, friends, or workplaceStrategic ways to negotiate better settlements, including using arbitration clausesReal listener questions covered:Default judgment requests in California and how to respondDebt collectors calling family and work (FDCPA violations)Predatory lending with 400% interest rates and automatic withdrawalsSettlement strategies for $6,000 Midland Funding lawsuitsCommunity property states and spousal debt liabilityMotion to vacate judgment options for improper serviceKey takeaways from Attorney Jeff Lohman:Never ignore debt lawsuits. Less than 2% of people actually respond, leading to thousands of default judgments monthlyDebt collectors can only contact third parties for location information, and only if they don't already have your contact detailsOriginal creditors (like banks) aren't covered by the FDCPA, only third-party debt collectors areArbitration can give you leverage since it costs collectors thousands while only costing consumers a few hundred dollarsSettlement depends heavily on your financial situation, and being "judgment proof" gives you significant negotiating powerJeff also warns about debt collection scams: legitimate collectors will never demand immediate payment over the phone or threaten arrest. Always ask for written documentation and never pay someone who pressured you into a panic decision.Connect with Jeff Lohman and Guardian Litigation Group at https://guardianlit.comTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

When you're drowning in debt, every solution seems either too risky, too confusing, or too good to be true. In this episode of The Debt Hotline, James Farias, CEO of Relief Strategies, joins Hannah to cut through the confusion and help you find the debt relief path that actually works for your situation.James brings over 30 years of leadership experience and a refreshingly honest approach to debt relief. Unlike companies that push one-size-fits-all solutions, James explains how to evaluate your options strategically and choose the path that makes sense for your specific circumstances.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:How to honestly assess your debt situation and determine which relief option fits your circumstancesThe real pros and cons of debt settlement vs. bankruptcy vs. debt management plansWhy communicating with creditors immediately after job loss or financial hardship is crucialRed flags to watch for when choosing debt relief companiesWhy federal student loan forgiveness programs are often better than private settlement companiesHow to handle multiple collection agencies contacting you about the same debtKey takeaways from James Farias:Start with honest financial assessment: Before choosing any debt relief option, calculate your total debt, minimum payments, and realistic ability to pay. James emphasizes that settlement isn't for someone thinking "things are getting tight." It's for people already considering bankruptcy.Communication prevents bigger problems: Whether facing job loss or lawsuit threats, contacting creditors immediately often leads to payment deferrals, structured plans, or reduced interest—all better than letting debts go delinquent.Settlement requires trade-offs: If you're considering debt settlement, understand you'll likely take a credit hit unless your credit is already damaged. Most people exploring settlement already have high debt-to-income ratios or missed payments.Not all debt is created equal: Credit card debt, student loans, and secured debts require different strategies. For federal student loans, James recommends exploring income-driven repayment and Public Service Loan Forgiveness before private settlement companies.Real listener questions answered:Hannah and James tackle practical scenarios including Samantha in California weighing settlement vs. bankruptcy for $42,000 in debt, John in Washington negotiating with Discover Bank's attorneys, and Noah in Illinois seeking low-risk options for $12,000 spread across four cards after having a baby.The conversation reveals James's unique perspective: Having started helping teachers with retirement planning, he noticed those who needed help most were drowning in debt and couldn't take advantage of wealth-building strategies while paying 20-30% interest on credit cards.The bottom line: There's no universal "best" debt relief option. The right choice depends on your specific situation, but with honest assessment and clear information, you can make decisions that set you up for long-term financial success.Learn more about James Farias and Relief Strategies at reliefstrategies.com.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Facing overwhelming debt and unsure which path to take? In this episode of The Debt Hotline, Hannah sits down with James Lambridis, founder and CEO of DebtMD, to break down three of the most popular debt relief strategies and help you choose the right one for your situation.James brings five years of hands-on experience talking to people struggling with debt—from $10,000 to over $100,000 in credit card balances. His insights reveal that most people are misinformed about their options and need clear guidance to move forward.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:The three main debt relief options: consolidation, credit counseling, and settlementHow to know which strategy fits your financial situationRed flags to avoid when choosing debt relief companiesTax implications of settled debt that companies often hideReal advice for listeners dealing with $9,000 to $40,000+ in debtKey takeaways from James Lambridis:Debt consolidation only makes sense if you get a lower interest rate than current debtsCredit counseling provides modest savings with nonprofit guidance and structured payoff plansDebt settlement requires defaulting but can dramatically reduce what you oweNever work with companies that charge upfront fees or guarantee specific resultsForgiven debt over $600 becomes taxable income, so you should plan for this at tax timeHannah and James tackle real listener questions, including advice for someone barely making minimums on $38,000 across five cards, a person worried about debt relief scams, and adult children helping retired parents navigate $40,000 in debt.The bottom line: There's no shame in owing money. The key is choosing the right strategy for your situation and working with legitimate professionals who charge fees only after delivering results.To connect with James and DebtMD, you can visit www.debtmd.com and use their Smart Debt Analyzer tool, which asks about your debt types, amounts, and goals to connect you with the right professionals for your unique situation.To submit a question to The Debt Hotline, you can:Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

You've filed your Answer to block a default judgment—now what? In this episode of The Debt Hotline, Hannah from Team Solo breaks down what to expect after you respond to a debt collection lawsuit and answers real listener questions about the next steps in the legal process.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: www.solosuit.com/giveaway?utm=podcastSued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:What happens after filing your Answer (court hearings, discovery, settlement opportunities)How to handle motions for summary judgment and discovery requestsWhen to attempt settlement negotiations for the best resultsHow statute of limitations affects your case timingHannah tackles real listener questions about debt collection cases going silent for months, dealing with debt buyers, and handling discovery requests. She explains why filing your Answer is just the first step and that you'll need to stay proactive with court deadlines, respond to discovery requests, and consider settlement to avoid lengthy court battles.Key takeaway: Settlement leverage is often strongest right after filing your Answer, so don't wait until trial to negotiate. You can use tools like SoloSettle to resolve your debt digitally without stressful phone calls.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

What if getting sued for debt was actually your best opportunity to negotiate a favorable settlement? In this episode of The Debt Hotline, consumer rights attorney John Skiba reveals why lawsuit notices don't have to mean courtroom drama and how smart negotiation can save you thousands without ever stepping foot in front of a judge.John Skiba is an experienced bankruptcy and consumer rights attorney and owner of Arizona Consumer Law Group, PLC. He has helped more than ten thousand families struggling with overwhelming debt issues and runs the popular YouTube channel Consumer Warrior, where he shares practical debt defense strategies for consumers nationwide.Whether you're facing a lawsuit from a junk debt buyer like Midland Funding or an original creditor like American Express, this episode shows you exactly how to leverage your position for the best possible outcome while avoiding the stress and uncertainty of trial.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm=podcastSued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this episode, you'll learn:Why getting sued is often the perfect time to negotiate a debt settlementHow to distinguish between different court proceedings (pretrial conference vs. trial vs. summary judgment)The key differences between fighting original creditors versus junk debt buyersWhen and how to contact attorneys to negotiate settlements before court datesWhat to do if you've already defaulted on a lawsuit and still want to settleWhy filing an Answer is just the first step, not the final solutionJohn tackles real listener questions about everything from arbitration costs to summary judgment motions, providing practical guidance for consumers who thought their only option was expensive litigation or default judgment.Key insights from John Skiba:Settlement is always possible: "If you're offering money, there's got to be some kind of deal that can be reached"Timing is everything: "The earlier you can get in front of it, the better deal you're going to get"Filing an Answer prevents default but doesn't end the lawsuit. It just starts the negotiation processJunk debt buyers often lack proper documentation, creating leverage for settlementEven after default judgment, settlement opportunities still exist before wage garnishment beginsYou should always go to creditors with a specific offer, not ask "what will you take?"The conversation reveals why 95% of people who get sued by debt collectors lose by default, how summary judgment motions work, and why failing to respond to legal motions is often interpreted as consent. John also explains the crucial difference between original creditor cases (which you'll likely lose unless you have bulletproof defenses) and junk debt buyer cases (where documentation disputes create real negotiating power).For expert debt defense strategies and over 800 educational videos, find John Skiba on YouTube at Consumer Warrior (https://www.youtube.com/@Consumer_Warrior) or visit his law website at https://skibalaw.com/To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

What if debt collection actually helped rebuild your credit instead of destroying it? In this episode of The Debt Hotline, Hannah sits down with Gwyneth Borden, founder and CEO of Remynt, to explore how fintech is transforming debt resolution and how you can turn your debt payoff journey into a credit-building opportunity.Gwyneth brings over 15 years of experience disrupting traditional industries and explains how Remynt partners directly with creditors to create a consumer-first debt resolution process. Instead of fear-based collection tactics, she reveals how you can start rebuilding credit with payments as low as $10 per month while resolving your debt—something traditional debt collectors never offer.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveawaySued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this episode, you'll learn:Why traditional debt collection is broken and what consumer-first alternatives look likeHow Remynt partners with creditors to create win-win debt resolution experiencesPractical strategies for rebuilding credit while paying off debt (including the 30% utilization rule)Why paying off collections doesn't always improve your credit score and what to do insteadHow credit builder products can boost your score by 10-70 points without taking on new debtThe difference between FICO and VantageScore models and why your score varies by lenderHannah and Gwyneth tackle real listener questions, including advice for someone dealing with joint credit cards after divorce, a laid-off worker trying to rebuild credit after COVID, and someone whose credit score wasn’t boosted even after paying off collections.Key insights from Gwyneth Borden:Debt collection doesn't have to be fear and shame-based; there's a better way that actually helps consumersCredit utilization below 30% (ideally 10%) is the most impactful factor for improving your scoreMissing even partial payments still counts as late, so communicate with creditors before you fall behindNewer credit scoring models don't penalize paid-in-full collections, but older models still doMortgage lenders may require you to pay old debts even after they've fallen off your credit reportThe conversation also reveals why creditors often sue right when you start paying other debts (they see you have money), how wage garnishment can take up to 25% of your income, and why the "snowball method" of debt payoff often works better psychologically than the "avalanche method."For tools to rebuild credit while resolving debt, visit Remynt at https://getremynt.comTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Wondering if debt settlement is your best option, or just another trap? Join George from Solo as he sits down with Sheldon Banker, a longtime expert from TurboDebt, to break down how debt settlement works, when it makes sense, and what to do if you’re already being sued.Sheldon shares real listener Q&As covering payday loans, massive interest fees, co-signed student loans, and navigating settlement while enrolled in a debt relief program.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to respond.In this week’s episode of The Debt Hotline, you’ll learn:[Start] What TurboDebt does and how they help consumers tackle overwhelming debt03:24 Can you still settle after getting sued for a payday loan?05:30 Why lawsuits change your options, and how Solo helps06:32 How to respond when a collector tacks on $14K in interest to your credit card debt09:21 What to expect if you’re in a debt relief program and still getting summons13:30 Debt settlement vs. bankruptcy: when each makes sense15:11 How to negotiate with collectors if you don’t have full payment upfront17:14 Why DIY debt settlement is tough and what professionals can do differently20:39 Solo’s 7-step roadmap from lawsuit response to building credit22:21 Is your debt big enough for a settlement program? (The $7,500 rule)23:14 Co-signed a student loan that defaulted? What to do when you’re now being pursuedKey insights from Sheldon Banker:Most debt settlement companies can’t help once a lawsuit has been filed, Solo can.The scariest part of debt relief is the fear of letting go of your credit score, but minimum payments forever isn’t a real solution.If your debts total more than $7,500, a settlement program may be a smart alternative to bankruptcy.Private student loans are eligible for settlement, even if you’re a co-signer.You can negotiate yourself, but working with a company can save serious time, stress, and money.George and Sheldon also walk through Solo’s roadmap for financial recovery, from responding to a lawsuit to rebuilding credit after resolution.Learn more about TurboDebt at https://www.turbodebt.com.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Credit educator Melinda Carrera of Street Financial joins Hannah on The Debt Hotline to uncover the truth about debt settlements, credit scores, and your power to clean up your report. Whether you’ve recently settled a debt or are just thinking about it, this episode will help you understand what sticks, and what you can remove.Mel shares her personal story of credit recovery after a car repossession and reveals why updating your report could be as simple as making a phone call. Learn how to dispute errors, ask for account removals, and rebuild your score in 2025 using tools you already have access to.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Celebrate financial freedom and end your debt this July! Enter Solo’s In-DEBT-ENDence Day Giveaway for a chance to win $4700 to pay off your debt:: https://www.solosuit.com/giveaway?utm=podcast In this week’s episode of The Debt Hotline, you’ll learn:[Start] What actually stays on your report after settling a debt06:45 How to remove “paid for less than full balance” from your credit report08:15 Why credit bureaus may agree to remove settled accounts faster than you think13:55 How to dispute duplicate debts and outdated info14:53 How life events, like illness or job loss, can factor into negotiation24:24 What to do if you have a judgment or public record from debt collectionKey insights from Melinda Carrera:70% of credit reports contain errors, check yours closelyYou have the right to ask for settled accounts to be removedBeing proactive and vocal can lead to faster credit recoveryMost lenders want to work with you if you’re trying to make things betterTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] more from Mel: streetfinancial.net

What happens when the paycheck hits...but a big chunk disappears due to wage garnishment? Don’t panic, and don’t assume it’s too late to settle. In this week’s episode of The Debt Hotline, attorney Greg Anjewierden joins George to explain how you can still negotiate and resolve your debt even after garnishment begins. Greg is a Utah-based attorney and founder of Debtbrief (https://debtbrief.com), a platform that connects people with resources like Solo to fight back against debt collectors. With practical experience and a calm, strategic approach, Greg walks through the legal options available to people facing garnishment, plus how to use timing and leverage to your advantage. Got a judgment? Getting garnished? Visit https://www.solosuit.com/?utm=podcast to take action today.In this episode:Why wage garnishment usually means you’ve already lost in court—and what to do nextHow to legally negotiate a lump sum or payment plan even after the money starts coming out of your checkWhen not to make extra payments unless you get a settlement deal in writingHow stopping interest accrual in a settlement can save you thousands—even if you pay the full balanceHow losing your job can actually give you leverage to settle debtWhat to do when you’re retired and only collecting Social SecurityThe truth about settling large commercial debts—and when bankruptcy might make more senseListener questions tackled this week:“I’ve been garnished for two years and still owe money—why?”“What’s a good defense for a wage garnishment after I missed my court date?”“Should I hire a lawyer after getting a sheriff’s letter?”“How do I settle my old debts while trying to rebuild my credit to buy a home?”“What if a collector won’t negotiate with me at all?”Remember: Just because garnishment started doesn’t mean you’ve lost all control. You still have rights, and you still have options.Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Facing debt collection and wondering if settlement is really possible? Attorney Jonathan Yong from Guardian Litigation Group joins Hannah to reveal exactly how debt settlement works from the legal trenches. Whether you're deaing with your first collection notice or already facing a lawsuit, Jonathan breaks down the negotiation process that resolves 95% of debt cases before trial.Jonathan brings years of experience as both corporate counsel in financial services and a consumer protection attorney, and he reveals the insider strategies of verifying debt ownership, negotiating from a position of strength, and protecting yourself from common settlement scams. He also explains why you can still negotiate even after a judgment and shares the documentation that can dramatically improve your settlement terms.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: www.solosuit.com/giveaway?utm=podcastIn this week's episode of The Debt Hotline, you'll learn:How 95% of debt cases settle before trial and why creditors want to work with youThe critical first step: verifyin the debt collector actually owns your debtDifferent settlement options: reduced principal, extended payment plans, or new interest ratesWhy you can still negotiate even after a judgment has been entered against youWhat to expect at a motion for summary judgment hearing Real strategies for removing negative marks from your credit reportKey insights from Jonathan Yong:You're not going to jail for unpaid debt; it's strictly a financial matterAlways get settlement offers in writing before paying anythingPush for the best deal possible, especially if you have documented financial hardshipSettlement is possible at any stage: pre-lawsuit, during litigation, or post-judgmentOriginal creditors, debt buyers, and collection agencies each have different negotiation approachesStates with stronger consumer exemptions often see more favorable settlement termsHannah and Jonathan tackle real listener questions covering everything from paying off decades-old debts and vacating default judgments to settling payday loans and handling discovery disputes. Jonathan also explains complex legal concepts like motions for summary judgment in practical terms anyone can understand.The bottom line: Debt problems don't have to ruin your life. Whether you hire experienced counsel like Guardian Litigation Group for complex cases or use Solo's self-representation tools for smaller amounts, taking action early gives you the most options for resolution.For legal representation in debt matters, contact Guardian Litigation Group at 1-800-316-3133.For DIY tools to respond to lawsuits and negotiate settlements, visit www.solosuit.com.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Feeling stuck under a mountain of debt? You're not alone, but there's a way out that's faster than you think. In this episode of The Debt Hotline, Hannah sits down with Adam Carroll, founder of The Shred Method, to reveal how everyday people can accelerate their debt payoff and achieve financial freedom in 3-7 years.Adam brings over 20 years of financial education experience and shares the behavior modification system that's helped countless "shredders" eliminate student loans, credit cards, and even mortgages at lightning speed. He breaks down the shocking reality that most people don't actually own their income—and how to change that.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Enter Solo's In-DEBT-ENDence Day Giveaway this July for a chance to win $4,700 to help pay off your debt: www.solosuit.com/giveaway?utm=podcastIn this week's episode of The Debt Hotline, you'll learn:How The Shred Method works and why traditional minimum payments keep you trappedReal success story: How one couple paid off 25 years of student loan debt in just 8 monthsThe difference between "available money" and "accessible money" and why it mattersShould you pay off debt first or start investing? Adam's controversial takeHow to optimize cash flow using a line of credit as a "behavior modification tool"Real listener Q&A covering mortgage strategies, retirement vs. debt payoff, and moreKey insights from Adam Carroll:Most people pay 83% interest, 17% principal on long-term loans—The Shred Method flips this"If you do for two years what most people won't do, you can do for the rest of your life what most people can't do"The goal isn't just paying off debt; it's owning 80-90% of every dollar you makeInterest expense is typically the second-largest expense in people's lives$100K+ earners often wonder "where did the money go?" Shred fixes the leakHannah and Adam tackle real listener questions from people dealing with credit card debt, mortgages, student loans, and the classic dilemma of whether to cash out retirement accounts to pay off debt. They also dive into settlement strategies for those already in collections.The bottom line: Debt doesn't have to be a life sentence. With the right system and mindset, you can break free faster than you ever thought possible and start building real wealth.Want to learn more about The Shred Method? Visit https://www.theshredmethod.com/ to explore Adam's debt acceleration system. Use their free savings calculator at https://www.theshredmethod.com/savingsanalysis to see how quickly you could knock out your debts, and follow them on Instagram @the.shredmethod for ongoing tips and success stories.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Facing IRS debt can feel overwhelming, but you have options. In this episode of The Debt Hotline, Hannah sits down with Jay Patrick, Director of Client Solutions at Tax Relief Helpers, to break down exactly how to negotiate with the IRS and avoid the worst-case scenarios.Jay brings 15 years of experience in tax resolution and explains the three main ways to resolve IRS debt: offer in compromise, installment agreements, and currently non-collectible status. He also shares real-world insights on what happens when you ignore tax debt (spoiler: wage garnishments can reach up to 100% of your paycheck).Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Enter Solo’s In-DEBT-ENDence Day Giveaway this July for a chance to win $4700 to help pay off your debt: www.solosuit.com/giveaway.In this week's episode of The Debt Hotline, you'll learn:What happens if you ignore IRS tax debt (wage garnishments, bank levies, and liens)Timeline from first notice to enforcement action (typically 6 months to 1 year)Three IRS resolution options: offer in compromise, installment agreements, and currently non-collectible statusHow IRS wage garnishments differ from other debt collectors (they can take much more)Real listener questions about reversing wage garnishments, prioritizing tax vss credit card debt, and protecting Social Security benefitsKey takeaways from Jay Patrick:The IRS can garnish 25-100% of wages depending on your income sourceInterest and penalties always accrue on tax debt, even with payment plansYou must be current on all tax filings to negotiate effectivelySocial Security recipients have some protection from garnishmentCommunication is key, so don't ignore IRS noticesHannah and Jay also tackle real listener questions, including advice for a self-employed person owing $18,000 during COVID, someone disputing unfiled returns from 2018-2019, and a Social Security recipient worried about benefit garnishment.The bottom line: Tax problems are stressful but solvable. Taking action early gives you the most options for resolution. To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Wondering if bankruptcy is right for you? Ben Jackson, co-founder of the nonprofit Upsolve, joins this live episode to answer real listener questions about filing bankruptcy, protecting your assets, and getting a fresh financial start. With personal experience eliminating $60,000 in debt through Chapter 7 bankruptcy, Ben shares expert insights on when bankruptcy makes sense and how to navigate the process.Upsolve is America's largest bankruptcy nonprofit, having helped over 13,000 people eliminate more than $700 million in debt—completely free. Ben breaks down the difference between Chapter 7 and Chapter 13 bankruptcy, explains how to protect your home and assets, and addresses specific situations from medical debt to foreclosure prevention.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:How bankruptcy can protect your home through state exemption lawsWhy medical debt often leads to bankruptcy and how Chapter 7 eliminates it completelyThe automatic stay that stops foreclosure, wage garnishment, and collection calls immediatelyWhen Chapter 13 payment plans work better than a Chapter 7 fresh startHow to handle complex inheritance and probate issues during debt collectionWhether manufactured home loans and VA mortgages can be dischargedWhy $50 monthly investments after bankruptcy can create generational weathBen also tackles real listener questions:Filing bankruptcy while protecting home equity and assetsStopping foreclosure through both Chapter 7 and Chapter 13 bankruptcyDealing with payday loans, medical bills, and personal loans in bankruptcyConverting Chapter 13 to Chapter 7 after job lossUsing statute of limitations as a defense in debt collection lawsuitsVacating default judgments and understanding dismissal vs winning at trialKey insight: As Ben explains, the decision to file bankruptcy depends less on your total debt and more on whether that debt is holdin you back from financial progress. Once debt is eliminated, people typically see their credit scores and overall financial health improve because they're no longer stressed and can focus on building their future.About Upsolve: The nonprofit organization helps people file Chapter 7 bankruptcy for free at upsolve.org, with a simple screening tool to determine eligibility. They've helped thousands of Americans eliminate overwhelming debt and get back on their feet financially.Statute of Limitations Calculator: Solo offers a free tool to help determine if debt collectors can still legally sue you for old debts. The calculator at https://www.solosuit.com/posts/can-statute-of-limitations-be-extended helps you find out if the statute of limitations has expired on your debt based on your last payment date and state laws.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Can you build wealth while dealing with debt? Former financial services lawyer turned FinTech innovator Feli Oikonomopoulou joins this week's The Debt Hotline episode to prove the answer is year. As founder and CEO of WealthMeUp, a gamified financial wellness platform, Feli shares practical strategies for integrating investing into your everyday life, even when you're managing existing debt.With over 30 years of experience at institutions like Bank of America Merrill Lynch and the European Investment Fund, Feli brings a unique global perspective on debt and investing. She reveals how the US credit culture differs dramatically from Europe and shares five actionable tips for building wealth without waiting until you're completely debt-free:Start investing small amounts immediately - even $10 per week while managing existing debt.Prioritize high-interest debt while saving small - tackle credit cards first but still set aside money for investing.Know the differences between good debt and bad debt - mortgages and student loans versus credit cards.Automate your payments and savings - remove willpower from the equation.Use technology tools - leverage apps and platforms to simplify both debt management and wealth building.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:Why you should start investing with just $10 per week even while paying off debtHow to prioritize high-interest debt while still setting aside money for wealth buildingThe difference between good debt (mortgages and student loans) and bad debt (credit cards)How to automate paymets and savings to remove willpower from the equationWhy 80% of women drive consumer spending but only 36% use major investment platformsHow WealthMeUp turns everyday purchases into automatic investmentsThe European versus American approach to credit and borrowing.Feli also answers real listener questions about:Starting investments while debt is still in collectionsWhether to pay off 20% iterest credit card debt before investingLearning investing basics without getting scammed by get-rich-quick schemesFinding investment apps that align with your personal values and goalsKey insight: Don't wait until you're debt-free to start building wealth. The key is making investing a habit and integrating it into your everyday life, which is exactly what WealthMeUp helps accomplish by automatically investing your cashback and rewards from purchases you're already making.About WeathMeUp: The app partners with lifestyle brands to automatically invest your cashback and rewards instead of letting you spend them. Users complete a questionnaire about their values and financial goals, then receive curated investment portfolios that reflect both their risk tolerance and personal beliefs—whether that's supporting women-led companies, environmental initiatives, or specific industries.Connect With Feli and WealthMeUp:Website: wealthmeup.aiLinkedIn: https://www.linkedin.com/company/wealthmeup/Instagram and Tiktok: @wealthmeup.aiEmail: [email protected]'s personal email: [email protected] submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Getting sued for debt doesn’t mean you’re out of options. Joining The Debt Hotline today, attorney John Skiba explains exact steps to take when you’re served with a debt collection lawsuit: 1. Don’t Ignore It. The clock starts ticking the moment you’re served. That means you need to get an Answer filed and communicate with the attorney right away. 2. Leverage the Discloser Phase. Once your Answer is filed, the creditor is usually required to provide documentation, such as account records or proof they own the debt. This gives you valuable leverage in negotiations, so go through everything with a fine tooth comb. 3. Evaluate Expenses. Put together what John calls a Settlement Budget to help you assess what you can realistically afford. 4. Expect Pushback and Plan For It. Give yourself a little bit of wiggle room when you’re submitting a proposal.5. Stay Consistent and Proactive. Remember, the main thing is action. You don’t want to let it default because that’s when things get really bad.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week's episode of The Debt Hotline, you'll learn:Why filing an Answer prevents default judgments and strengthens your negotiating positionHow initial disclosure documents give you leverage in settlement negotiationsWhy settlement offers aren't admissible in court (so you can negotiate freely)How to handle automatic withdrawals and potential FDCPA violationsWhy statute of limitations creates massive leverage for consumersThe difference between secured debt (mortgages) and unsecured debt (credit cards)How to object when debt collectors fail to provide required disclosureJohn also answers real listener questions about:What to do when collectors counter with the full debt amountHandling unexpected money withdrawals from payment plansSettlement strategies for post-statute of limitations debtsDealing with foreclosure threats and secured debt issuesUsing lack of disclosure as a defense in courtNegotiating with Jefferson Capital and other debt buyersKey takeaway: Communication and action are essential. Whether you're negotiating a settlement or preparing for court, taking proactive steps—like filing an Answer and requesting proper documentation—puts you in control of the outcome rather than letting collectors dictate terms.Special moment: Congratulations to Bianca Paez, winner of Solo's $4,700 debt payoff giveaway! Bianca plans to use the money to pay off two of her open collections accounts and try to settle her $11,000 lawsuit. Check it out the announcement here: https://www.youtube.com/watch?v=-5gZpdrDm7MTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Think debt disqualifies you from homeownership? Think again. Scott Griffin, a nationally recognized mortgage expert with over 25 years of experience, joins this week's episode to shatter myths about buying a home while managing debt.Scott is the founder of Scott Griffin Financial, a licensed real estate broker who has advised Congress on housing reform and appears regularly on CNBC. In this eye-opening conversation, he reveals why 2025 is the "year of solution-based lending" and how programs like FHA 100 can get you into a home for under $1,000 out of pocket.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it and get on the path towards home ownership.In this week's episode of The Debt Hotline, you'll learn:Why VA loans have NO minimum credit score requirement for veteransHow the FHA 100 program covers your down payment AND closing costsWhy paying off all your debt might actually hurt your credit scoreHow to qualify for investment properties even with $30,000 in credit card debtHow to take over someone's existing low-interest mortgageWhy medical debt often doesn't count against mortgage applicationsThe difference between mortgage brokers vs. banks (and why brokers win)Scott also tackles real listener questions about:Whether to pay down revolving debt or charged-off accounts firstQualifying for second homes and investment properties with existing debtGetting approved with medical debt and credit scores around 620Understanding PMI removal and property tax strategiesScott's contact information:Phone: 818-20-SCOTT (818-207-2688)Website: scottgriffin.comServes California borrowersBottom line: Don't let debt derail your homeownership dreams. As Scott says, "If you pay rent, you can pay a house payment." The key is working with a knowledgeable mortgage broker who understands the full range of available programs.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Getting served with a debt lawsuit? Don't panic—but don't ignore it either. Attorney Dennis Charney joins this week's episode of The Debt Hotline to share insider strategies for responding to debt collection lawsuits and protecting your rights in court.Dennis brings over 20 years of legal experience (plus he's a helicopter pilot in his spare time!) to break down exactly what happens when you're sued for debt and how to fight back effectively. Whether you're facing a credit card lawsuit, medical debt collection, or dealing with aggressive debt buyers, this episode gives you the roadmap to respond properly and avoid costly mistakes.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.The clock starts ticking the moment you're served. Dennis explains why filing an Answer is absolutely critical—and why 95% of people lose their cases simply by doing nothing. He also reveals a powerful strategy that debt collectors hate: demanding arbitration under your original credit card agreement.In this week's episode of The Debt Hotline, you'll learn:How long you have to respond (varies by state: 20-45 days)The exact strategy for filing an Answer that puts you in controlWhy demanding arbitration can force collectors to spend thousands while giving you massive leverageHow to use debt validation letters before lawsuits even startWhat happens if a judge refuses your arbitration request (and how to fight back)Dennis and George also tackle real listener questions, including:What to do if you missed court and got a default judgmentHow to negotiate when you're already making payments on a lawsuitWhether calling the attorney directly helps with small medical debtsHow to handle situations where hospitals can't even find your old billsProtection strategies for Social Security recipientsRemember: debt collectors prefer getting something over nothing, and they definitely prefer settling over fighting. When you respond properly, you hold the cards.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

If you're dealing with a debt collection judgment and wondering if you can still negotiate, this episode is for you. Yale Levy, a former collection attorney with 20 years of experience, joins this week's episode of The Debt Hotline to share expert insights on post-judgment debt settlement strategies.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Yale explains how he helped collectors recover millions in debt before joining Solo, and now uses that insider knowledge to help consumers navigate the debt collection process. Plus, Yale breaks down why post-judgment settlements cost significantly more than pre-lawsuit negotiations—typically 60-80% versus 20-40% of the original amount.Here are some important tips if you're facing a debt judgment:You can still negotiate even after a judgment, but it costs moreCommunication is key—use SoloSettle, hire an attorney, or call directlyTiming matters. The earlier you negotiate, the better your dealWage garnishments and bank levies eliminate your negotiating powerMotion to set aside judgment may work if service was improperPost-judgment settlements typically range from 60-80% of original debtIn this week's episode of The Debt Hotline, you'll learn:When you can still negotiate vs when leverage disappears completelyHow wage garnishments can take up to 25% of your take-home payWhy bank levies are hit-or-miss depending on timingHow to leverage hardship situations for better settlement termsYale and George also answer real listener questions about statute of limitations in New York, dealing with litigation delays, setting aside old judgments, and what to do when collectors file for summary judgment after you've already settled.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

If you’re staring down debt and wondering if bankruptcy might be the right option, this episode is a must-listen. Ben Jackson joins this week’s episode of The Debt Hotline to share his personal bankruptcy experience and expert tips on how to navigate the whole bankruptcy process. Ben is the Co-founder and Chief Product Officer of Upsolve, a nonprofit that’s helped hundreds of thousands of people file bankruptcy without having to hire an attorney. Plus, Ben explains how he personally resolved more than $60,000 of debt through bankruptcy, and how it helped him find financial freedom and eventually become a homeowner.   If you’re considering bankruptcy and struggling with debt, enter Solo’s Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: https://get.solosuit.com/giveaway?utm_source=podcastSued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.In this week’s episode of The Debt Hotline, you’ll learn: When it makes sense to respond to a lawsuit vs when to consider bankruptcyHow long the bankruptcy process takesHow bankruptcy affects your creditHHow to protect your assets, including your homeBen and George also answer real listener questions about wage garnishment, arbitration, and what to do if your credit report isn’t updating properly after discharge. Here are some important tips if you’re considering bankruptcy:You can file Chapter 7 bankruptcy for free using Upsolve.org no lawyer required.Filing bankruptcy stops most lawsuits and wage garnishments, but timing matters.Responding to a debt lawsuit first is critical—even if you plan to file bankruptcy later.Most people erase $40K–$100K in debt and only pay a $338 court fee (often waived).Common DIY mistakes include using the wrong forms and missing key deadlines.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

Predatory lending traps millions of Americans in debt cycles with interest rates as high as 600%. Law professor Nathalie Martin joins us to expose the shocking truth behind payday loans, title loans, and internet installment loans.Sued for debt? Use Solo to resolve it:https://www.solosuit.com/?utm=podcast  Nathalie reveals how these loans target vulnerable communities with interest rates that would be illegal in many states. While 400% interest on payday loans sounds extreme, she explains that in states like Texas, rates can legally reach an astounding 662% with no effective cap. She also breaks down the differences between various predatory loans and how title loans can cause people to lose their vehicles—often their last valuable asset. In today's episode, you'll discover:Why 75% of lender revenue comes from borrowers who take 10+ loans per yearHow predatory loans are designed to be "easy to get into and hard to get out of"The state-by-state patchwork of interest rate caps (and where there are none)Why most borrowers use high-interest loans for basic expenses, not emergenciesPractical strategies for escaping predatory loan cycles when you're already trappedWhether you're struggling with payday loans, title loans, or considering a high-interest borrowing option, this episode provides critical information to protect your financial future. Solo can help you respond to debt collection lawsuits, and SoloSettle makes debt negotiation straightforward—giving you the tools to break free from predatory debt.You can also enter Solo's Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: get.solosuit.com/giveaway To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

When you're hit with a debt collection lawsuit, is there a magic phrase that will make it disappear? Consumer rights attorney John Skiba joins us to reveal what really works—and it's not what you might expect. Sued for debt? Go to https://www.solosuit.com/?utm=podcast to resolve it. You can also enter Solo’s Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: https://get.solosuit.com/giveaway?utm_source=podcastJohn explains why most people lose debt lawsuits before they even start (hint: it happens to 95% of consumers) in this informative episode. He also breaks down the strategic differences between fighting original creditors versus debt buyers. John shows why winning might not mean what you think. If you're being sued for $10,000 and settle for $2,500, that's a $7,500 victory! He explains why judges function more like "umpires" than advocates, and why telling them about your financial hardship won't automatically dismiss your case.In today’s episode, you'll discover: When to file a Motion to DismissHow to leverage arbitration clauses in your favorWhat happens if you lose a debt collection lawsuit—including wage garnishment, bank levies, and liens that can follow you for decades. Common questions about improper service, interrogatories, settlement strategies, and dealing with old debts beyond the statute of limitations.Whether you're facing a lawsuit from Midland Funding, Portfolio Recovery, or an original creditor like American Express, this episode gives you practical strategies to respond properly, avoid default judgments, and potentially get your case dismissed. Solo can help you file your Answer document quickly and SoloSettle makes debt negotiation straightforward—no awkward phone calls required.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected]

When medical bills hit your mailbox, the financial stress can feel just as painful as the treatment itself. Debt resolution expert and attorney Greg Anjewierden joins us to break down how medical debt works, how it affects your credit, and how to defend yourself if you’re sued.Greg previously worked in medical debt collection—now he helps people fight back. In this episode, he shares insider knowledge on what collectors don’t want you to know.Sued for debt? Go to https://www.solosuit.com/?utm=podcast to resolve it.Greg explains why medical debt is often treated differently from credit card debt, including recent changes to credit reporting rules. Many consumers believe that if a medical debt isn’t on their credit report, it won’t hurt them—a dangerous myth. Greg clears up the confusion between credit reporting and debt collection, and explains why hospitals and collectors can still sue you, garnish wages, and freeze bank accounts, even if your debt is “under the radar.”You’ll learn how long medical debt stays on your credit report, what counts as a ‘valid’ medical debt, and how to find out if you qualify for financial assistance or interest-free payment plans. We discuss real-life settlement strategies and why many attorneys are more willing to compromise than third-party collectors.Whether you're facing a lawsuit over a hospital bill or simply trying to understand your rights, this episode offers a practical guide to protecting your credit and your peace of mind. Solo can help you respond to lawsuits and settle medical debts on your terms—no law degree required.[05:01] Medical debt is still collectible even if it doesn’t appear on your credit reportMany people assume if a medical bill isn’t on their credit report, it doesn’t matter—but you can still be sued and held legally responsible.[08:35] Start by contacting the medical provider directlyBefore dealing with debt collectors, ask the hospital or provider about charity care or interest-free payment plans to resolve the bill early.[11:20] Strategic silence can give you leverageIf negotiations stall, it might be smart to stop communication and wait for a lawsuit—then re-engage once you’re dealing with an attorney who may be more willing to settle.[15:33] Social Security is protected—but your bank account may not beDebt collectors can’t take Social Security directly, but they might access it if it's sitting in a bank account, so be cautious about where your money is kept.[25:30] You can still settle after a judgment is enteredEven if you lose in court, the creditor still has to collect—this gives you another opportunity to negotiate a lump-sum payment or better settlement.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8 Send an email to [email protected] https://www.solosuit.com/?utm=podcast

When faced with a judgment debt, understanding your options is crucial. In this enlightening episode, courts policy expert Lester Bird from the Pew Charitable Trust breaks down what actually happens in debt collection lawsuits across America. Drawing on years of data analysis, Lester shares eye-opening statistics about who gets sued, how much they owe, and what options work best for consumers.Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcastMost people don't realize that 60-70% of debt collection cases end in default judgments simply because defendants never respond to the lawsuit. But for those who do engage, settlement often offers the best path forward. Lester explains why avoiding garnishment—where 25% of your paycheck can suddenly disappear or your bank account gets wiped out—should be a top priority.The episode reveals surprising facts about debt collection lawsuits: half of all cases are for $2,000 or less, yet these small debts can balloon with filing fees, attorney costs, and strange penalties (like Oregon's "prevailing party fee" that charges you extra just for losing your case). Medical debt drives a third of all collection lawsuits in some states, and the same large companies dominate court dockets nationwide.You'll also discover Lester's practical debt settlement payment calculator tool that helps find the sweet spot between paying off debt quickly while keeping payments manageable. Whether you're facing a lawsuit now or want to understand how debt collection courts operate, this episode provides practical insights from someone who analyzes thousands of cases across the country.You can learn more about Lester’s research with Pew Charitable Trust here: pewtrusts.org/modernlegal Got debt questions? To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] https://www.solosuit.com/?utm=podcast

Navigating debt collection in 2025 doesn’t have to be a nightmare. In this episode, we’re joined by Yale Levy, a former debt collection attorney with over 20 years of experience who now works with Solo, the platform helping people respond to lawsuits and negotiate settlements. Yale breaks down what most people get wrong about debt collection—and how simple communication can save you thousands.Collectors typically settle for 70–90% of the original debt, but ignoring them can cost you up to 150% once interest, court costs, and legal fees pile on. Whether you're facing a lawsuit or just dreading the next collector call, Yale explains why negotiating—rather than avoiding—is key to protecting your finances.He also clears up common misconceptions, including why the “never pay your debts” advice circulating online is dangerously misleading. We also dig into real strategies for negotiating: from calling collectors directly to using tools like SoloSettle to communicate digitally—no phone calls or awkward conversations required. Yale shares a real-life example of a woman who settled a $15,000 lawsuit for $10,500, avoiding judgment and extra fees. He also outlines what happens after you settle, including how it impacts your credit report and what to expect during tax season if the forgiven debt exceeds $600. If you're sued in a state where you don’t live, he explains how to push back with a motion to dismiss. Throughout the conversation, Yale reminds listeners that debt doesn’t define them—but how they respond to it does. Whether you’re overwhelmed, confused, or just ready to take action, this episode offers practical, calm advice from someone who’s seen it all from both sides of the table.To submit a question to The Debt Hotline, you can: - Call 801-613-8181 and leave a voicemail - Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8- Send an email to [email protected] https://www.solosuit.com/?utm=podcast

Before we dive into how to beat debt collectors and settle lawsuits, let’s take a minute to get to know the voices behind The Debt Hotline. In this special kickoff episode, hosts George Simons and Hannah Locklear share their backgrounds, why they care about helping people fight debt, and what you can expect from the show moving forward.Debt collection lawsuits can be overwhelming—but you don’t have to face them alone. George and Hannah are here to demystify the legal process, share expert-backed strategies, and empower you with real, actionable tools to take control of your financial future.To submit a question to The Debt Hotline, you can: - Call 801-613-8181 and leave a voicemail - Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8- Send an email to [email protected]