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Debt Collection, Garnishment, and Reposession

Legal Resources

This section provides good guides and publications on the following subjects:

Debt Collection: The process that creditors use to try and get funds they feel is owed to them by debtors.

Garnishment: When a creditor gets a court order to take funds directly from income (ex: work paycheck) to get back funds owed to them by a debtor.

Repossession:  The act of taking back a piece of property that was used as collateral by a debtor to borrow funds from a creditor.

  • Garnishment AND Anti-Garnishment Letter Form PDF

    An anti-garnishment letter tells your bank that creditors should not take money out of your account without your permission. It is used when you have unpaid debts, and creditors are threatening to sue you. Click the link below for information on what to do in this situation and a form letter you can use to respond. Content Detail

    Legal Hotline for Texans
  • Fair Debt Collections Practices Act (FDCPA)

    The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Click this link for the ENTIRE text of the act! Read More

    The Federal Trade Commission
  • Get Real Debt Help, Not Promises

    Information about where to get help for debt, as well as advice on how to deal with debt. Read More

    National Consumer Law Center
    Read this in:
    Spanish / Español
  • Unemployment Deferment Self Help Packet

    A deferment is a way to postpone paying back your student loans for a certain period of time. This packet contains information about the federal student loan unemployment deferment. Click this link for more information and a self packet to help you, now! Read More

    Student Loan Borrower Assistance
    Read this in:
    Spanish / Español