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.

The likelihood that a debt collector will sue you over an unpaid balance depends on the debt, the amount and how collectible ...

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 ...