When you’re in debt, it can feel like you have no power. Like the people calling you, sending letters, and filing paperwork hold all the cards.

They don’t.

You have more rights than you probably realize. Here’s a quick overview of the protections that exist specifically for people in your situation:

You have the right to request verification.

If a collector contacts you, they must provide written proof that the debt is yours and that the amount is correct. You can dispute it within 30 days.

You have the right to tell collectors to stop contacting you.

A simple written request can stop the calls. They can still take legal action, but the harassment ends.

You have the right to be treated with dignity.

No threats, no lies, no intimidation. The law is clear on this.

You have the right to legal representation.

Whether you’re being sued, garnished, or harassed, you have every right to have an attorney in your corner — and at Lincoln Law Center, your first conversation with us is always free.

You have the right to a fresh start.

Debt doesn’t have to define your life. There are legal tools and strategies available that most people simply don’t know about.

If you’re feeling overwhelmed, that’s okay. That’s exactly why we’re here. Lincoln Law Center has helped over 1,000 families find their way to a better place — and we’d love to help you too.

Call (866) 817-8884 for a free, no-pressure conversation.