When a debt changes hands, your obligations — and your options — may not be quite what you'd expect.

Get to know the research on debt collection lawsuits, racial disparities in judgments, and a big slice of consumer debt: ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Legal action is ultimately a calculated decision, so how likely is it ...

Don't rush into payment. Validate your debt and know your rights. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions ...

Understanding debt collection thresholds can help you navigate your options and avoid legal consequences.