Resources: Your Rights

Dealing with debt can make anyone feel overwhelmed and anxious. Below is a list of resources to help you navigate your way through this process and hopefully alleviate some of the stress.

Your Rights | Representing Yourself | Debt Resources | Certified Credit Counseling


Dealing with Debt Collectors – Video

Short video explaining valuable information about how to deal with aggressive debt collectors.
By: Federal Trade Commission
Read this in: Spanish / Español

Debtors’ Rights: Dealing with Collection Agencies

0200EN – This publication helps you understand debt collection practices and your rights when dealing with debt collectors. Includes form letters you can use to mail to debt collectors requesting that they stop contacting you.
By: Northwest Justice Project
Read this in: Laotian / ພາສາລາວ , Russian / Pусский , Spanish / Español

Debtors’ Rights in a Lawsuit

0204EN – This publication provides information on how to represent yourself when you are being sued for money.
By: Northwest Justice Project
Read this in: Chinese / 中文 , Laotian / ພາສາລາວ , Russian / Pусский , Somali / Soomaali , Spanish / Español , Vietnamese / Tiếng Việt

Time-Barred Debts: Understanding Your Rights When It Comes to Old Debts

If you have old debts, collectors may not be able to sue you to collect on them. That’s because debt collectors have a limited number of years – known as the statute of limitations – to sue you to collect. After that, your unpaid debts are considered “time-barred.” According to the law, a debt collector cannot sue you for not paying a debt that’s time-barred.
By: Federal Trade Commission

Payday Loans: What to do if You Get Caught in the Debt Trap

A payday loan is a short-term, high-cost loan that must be paid back on or before your next payday, whether your income is from employment or government benefits. Payday loans are made by storefront lenders, check cashers, pawn shops, credit unions, and Internet-based providers.
By: Northwest Justice Project
Read this in: Spanish / Español

Prioritizing Debt: Which Bills do I Pay First?

0110EN – General information about which bills you should pay first when you are having trouble paying all of your debts.
By: Northwest Justice Project
Read this in: Laotian / ພາສາລາວ , Russian / Pусский , Spanish / Español , Vietnamese / Tiếng Việt


Community Debt and Bankruptcy Issues

Community debts are those debts that both you and your spouse are responsible for. This fact sheet defines which types of debts are defined as community debts. (PDF file)
By: Northwest Justice Project

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