Pay-for-delete promises to erase collection debt from your credit report, but the results of this strategy can vary.

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. A collection account is a debt your ...

Get to know the research on debt collection lawsuits, racial disparities in judgments, and a big slice of consumer debt: ...

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 ...

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, ...