Debt Collection Isn’t a Done Deal: Make the Debt Buyer Prove It
A collection letter is a claim, not a verdict. Here is how debt buying works, how to request validation, and what a debt buyer has to prove before it can collect or win in court.
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What Courts Have Said About Sovereign Citizen Arguments
Strawman, redemption and “secret account” theories use real legal words. Here are the real concepts behind them and what courts have said, so you can decide for yourself.
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The 120-Day Rule: When a Mortgage Servicer Can Start Foreclosure
Federal servicing rules limit how soon foreclosure can begin on most home loans. Here is how the 120-day rule and the loss mitigation protections work.
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How to Read a Court Rule and Confirm It Is Current
Court rules decide deadlines, formats and what a filing must contain. Here is a simple method to read a court rule correctly and confirm it is still in force.
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Who Can Enforce a Promissory Note Under the UCC?
Owning a debt and having the right to enforce the note are not always the same thing. Here is how UCC Article 3 decides who may enforce a note.
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Judicial vs. Nonjudicial Foreclosure: Which One Applies to You?
Foreclosure happens in one of two ways: through a lawsuit, or under a power-of-sale clause without one. Here is how to tell which applies.
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Served With a Lawsuit? What Happens Next in Federal Court
Being served with a lawsuit starts a clock. Here is how the first weeks of a federal civil case work, from the summons to the answer deadline.
