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

Could your debt be reduced or forgiven? Take our financial relief quiz. Whether you owe it or not, receiving a debt collection notice can conjure up feelings of anxiety, worry and perhaps confusion, ...

The statute of limitations also plays a critical role. Each state sets time limits on how long a creditor can sue you for ...

You may have options if a debt settlement no longer feels right, but the timing, paperwork and payments matter.