Disputing collections debt can protect your credit, but only if you know when it actually makes sense to do so.

You may have a legal obligation to repay old debts, but there are also strict limits on debt collectors' tactics.

In April 2025, Freedom Debt Relief reviewed data from tens of thousands of people actively looking for help with their debt. The numbers might be surprising. About one in four has at least one account ...

Filing for bankruptcy can be a daunting decision and is often viewed as a last resort for those struggling under the weight of unmanageable debt — but hundreds of thousands of Americans still file for ...

What collection debt looks like in America: A mid-year look In April 2025, Freedom Debt Relief reviewed data from tens of thousands of people actively looking for help with their debt. The numbers ...

Collection Debt by the Numbers: The National Picture In April 2025, about one in four people looking for debt relief had at least one account in collections. The average collection balance is $3,027, ...