Debtstoppers.com It often starts with a surprise. You check the mail, and tucked between flyers and bills is a letter with bold print: past due balance, payment demanded. Only, you don’t even remember ...

Learn the types of public projects that states fund by issuing debt and download an exclusive state-by-state debt database.

Collection agency fees When your creditor sells or transfers the debt to a collection agency, that agency often tacks on its own set of fees. Depending on your state laws and the original contract ...

Some types of old debt are no longer collectible after a certain point. But collection agencies make money by scaring people into restarting the clock on payments.