Disclaimer

Educational information only

The information provided by Know Your Debt Rights is for educational purposes only and is based on publicly available federal law. It does not constitute legal advice. No attorney-client relationship is created. Consult a qualified consumer rights attorney for advice specific to your situation.

No guaranteed results

Individual results vary. Success in disputing debt collection activity depends on the specific facts of your situation, the accuracy of your documentation, and factors outside our control. We make no guarantees regarding specific outcomes.

Not a credit repair organization

Know Your Debt Rights and LGJ Enterprises LLC are not credit repair organizations. We don't contact creditors, collectors, or credit bureaus on your behalf, and we don't promise to remove information from your credit report or improve your credit score. No one can lawfully remove accurate, timely information from a credit report.

Templates and tools

Sample letters, letter templates, and tools on this site and in our products are educational. They may not fit your situation, and laws vary by state. Review any letter carefully before sending it, and consider having a consumer attorney review your situation.

Laws change

We review our content regularly, but laws, regulations, court decisions, and company policies change. Check the "Last reviewed" date on each page and verify important information with the cited source or an attorney.

State law

Most of this site covers federal law. Your state may give you more protection or impose different rules, including different statutes of limitations and garnishment exemptions.

External links

We link to government agencies and other organizations for your convenience. We don't control their content and aren't responsible for it.