https://www.detta.us/learn/ Free, attorney-reviewed, plain-English guides to understanding and resolving your own debt. Self-help software, not a law firm. en-us https://www.detta.us/newsletter/issue-01/ https://www.detta.us/newsletter/issue-01/ 6 Jul 2026 12:00:00 GMT Federal enforcement fell off a cliff, 15 lawsuits hit debt-relief companies in six weeks, and the states are stepping in. What it means for you. https://www.detta.us/learn/debt-relief-options-compared/ https://www.detta.us/learn/debt-relief-options-compared/ 3 Jul 2026 15:00:00 GMT DIY, settlement companies, credit counseling, consolidation, bankruptcy - real costs, credit impact, risks, and who each fits. Free, attorney-reviewed, plain English. https://www.detta.us/learn/debt-glossary/ https://www.detta.us/learn/debt-glossary/ 3 Jul 2026 15:00:00 GMT Charge-off, time-barred, validation notice, default judgment - every confusing debt term, defined in plain English. Free, attorney-reviewed, plain English. https://www.detta.us/learn/credit-card-charge-off/ https://www.detta.us/learn/credit-card-charge-off/ 3 Jul 2026 12:00:00 GMT A charge-off means the creditor wrote your debt off as a loss - but you still owe it. What happens next, the 7-year rule, and your options. Free, attorney-reviewed, plain English. https://www.detta.us/learn/debt-collector-scam-red-flags/ https://www.detta.us/learn/debt-collector-scam-red-flags/ 3 Jul 2026 12:00:00 GMT Threats of arrest, gift-card demands, refusing to identify themselves - how to spot a fake collector and verify a real one. Free, attorney-reviewed, plain English. https://www.detta.us/learn/can-debt-collectors-garnish-wages/ https://www.detta.us/learn/can-debt-collectors-garnish-wages/ 2 Jul 2026 12:00:00 GMT When garnishment can happen, the federal limit on your paycheck, and which income is protected. Free, attorney-reviewed, plain English. https://www.detta.us/learn/statute-of-limitations-on-debt/ https://www.detta.us/learn/statute-of-limitations-on-debt/ 2 Jul 2026 12:00:00 GMT How long you can be sued over a debt, when the clock starts, and what quietly restarts it. Free, attorney-reviewed, plain English. https://www.detta.us/learn/negotiate-credit-card-debt/ https://www.detta.us/learn/negotiate-credit-card-debt/ 2 Jul 2026 12:00:00 GMT How much to offer, which department to call, and how to get the deal in writing - without a settlement company. Free, attorney-reviewed, plain English. https://www.detta.us/learn/debt-validation-letter/ https://www.detta.us/learn/debt-validation-letter/ 2 Jul 2026 12:00:00 GMT Make a collector prove the debt is really yours before you pay. The 30-day window and what your letter must include. Free, attorney-reviewed, plain English. https://www.detta.us/learn/debt-snowball-vs-avalanche/ https://www.detta.us/learn/debt-snowball-vs-avalanche/ 26 Jun 2026 12:00:00 GMT Which method clears your cards faster, the honest answer, and how to choose. Free, attorney-reviewed, plain English. https://www.detta.us/learn/drowning-in-credit-card-debt/ https://www.detta.us/learn/drowning-in-credit-card-debt/ 26 Jun 2026 12:00:00 GMT A calm, judgment-free first step when it all feels bottomless, plus where to find help. Free, attorney-reviewed, plain English. https://www.detta.us/learn/can-a-credit-card-company-sue-you/ https://www.detta.us/learn/can-a-credit-card-company-sue-you/ 26 Jun 2026 12:00:00 GMT The real timeline from missed payment to lawsuit, garnishment, and the statute of limitations. Free, attorney-reviewed, plain English. https://www.detta.us/learn/do-i-need-a-debt-settlement-company/ https://www.detta.us/learn/do-i-need-a-debt-settlement-company/ 26 Jun 2026 12:00:00 GMT An honest comparison of your options for resolving debt, including doing it yourself for free. Free, attorney-reviewed, plain English. https://www.detta.us/learn/debt-collector-rights/ https://www.detta.us/learn/debt-collector-rights/ 26 Jun 2026 12:00:00 GMT What collectors can and cannot do under the FDCPA, what to do when they call, and how to spot a scam. Free, attorney-reviewed, plain English.