Episódios
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Credit cards. Tax debt. Business obligations. And no clear path forward.
In this episode of The Debt Hotline, George is joined by attorney Greg Anjewierden to walk through one caller’s overwhelming situation and the real options available when the numbers feel impossible.
Because when you’re staring at five figures of debt (or more), the question isn’t just “Can I pay this?”
It’s: Where do I even start?
Sued for debt? Use Solo to respond and resolve it:
https://www.solosuit.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotline
In this episode, you’ll learn:
What to do when your debt feels completely unmanageableHow to prioritize credit cards vs tax debtWhen settlement makes sense — and when it doesn’tHow gambling and financial stress can compound debt problemsThe difference between business and consumer debt protectionsWhat happens if you miss a settlement paymentWhether judges can rule while you’re still negotiatingWhen bankruptcy might actually be the cleanest path forwardReal scenarios covered:A caller facing $81,000 in combined debt and unsure what to tackle firstA settlement collapsing over one missed Christmas paymentA nurse sued by Chase for $19,000“They never sent me a bill — can they still sue?”Business debt and why FDCPA protections may not applyThe bottom line
When debt snowballs, it can feel like there’s no exit. But there is always a next best move. Whether it’s structured settlement, strategic negotiation, or bankruptcy protection, the worst thing you can do is freeze. The right strategy depends on your numbers — and your goals. You may feel stuck. You’re not.
The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
In this episode of The Debt Hotline, George sits down with former debt collection attorney Greg Anjewierden, founder of DebtBrief, to break down the single biggest mistake people make after getting sued — and what to do instead.
If you think calling the collector is your first move… think again.
Sued for debt? Use Solo to respond and resolve it:
https://www.solosuit.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotline
In this episode, you’ll learn:Why filing your Answer should come before anything elseWhat happens if you ignore discovery requestsHow motions for summary judgment can end your case fastWhy some debt settlement companies make lawsuits worseWhat to do if you suspect identity theftHow wage garnishments stack (and who gets paid first)When statute of limitations can actually save youWhether you should show up to court (spoiler: yes)Real scenarios covered:Being sued while enrolled in a debt settlement programA $40,000 auto loan lawsuit that may be fraudMultiple wage garnishments piling upA case filed just beyond the statute of limitationsA judge quietly suggesting a motion to dismissThe bottom line
The worst thing you can do after getting sued is panic or ignore it. The second worst? Trusting someone else without confirming your Answer was actually filed.
The good news: when you engage in the process early, your leverage increases dramatically. Most creditors want resolution — not trial. But only if you show up.
To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
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Getting sued for debt can feel overwhelming — should you fight the lawsuit or negotiate a settlement?
Attorney Greg Anjewierden has spent years on both sides of debt litigation. In this episode of The Debt Hotline, he breaks down real strategies that work in court.
Sued for debt? Respond and resolve it with Solo: https://www.solosuit.com?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotline
You’ll learn:
When it makes sense to fight a debt lawsuitWhen it’s better to negotiate a settlementHow to protect yourself even if you owe the debtWhat debt collectors can and can’t doSettlement ranges and payment plan examplesReal caller situations you can learn fromGreg has represented both creditors and consumers, so he knows how each side approaches settlement, arbitration, discovery, and trial.
To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
You filed your answer. You avoided a default judgment.
Now what?
In this episode of The Debt Hotline, Hannah is joined by bankruptcy and consumer rights attorney John Skiba (The Consumer Warrior) to walk through what actually happens after you respond to a debt lawsuit. From initial disclosures to motions for summary judgment, we break down the stages of a debt collection case — and what you should expect at each step.
If you’ve already filed your answer and are wondering whether you’re safe… this episode is for you.
Sued for debt? Respond and settle with Solo: https://www.solosuit.com?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotline
In this episode, you’ll learn:What typically happens after you file your answerHow long it takes to get a hearing date (and why it varies by state)What a motion for summary judgment means — and why it’s seriousWhether you should settle or fight the caseHow to create a realistic “settlement budget”The difference between negotiating with original creditors (like Discover) vs. debt buyersHow to avoid wage garnishmentWhat happens to your credit report after you settleReal questions covered:“They offered to settle after I filed my answer — what should I do?”“Discover filed a motion for summary judgment — did I lose?”“What percentage should I offer to settle a $15,000 lawsuit?”“How do I get a settled debt removed from my credit report?”“How long before I actually get a court date?”The bottom line
Filing an answer is a powerful first step, but it’s not the end of the process. Debt lawsuits move through specific stages, and staying engaged is critical. The good news? Most creditors prefer settlement over trial, and negotiating early can save you thousands in fees, interest, and court costs.
If you’ve been sued, don’t ignore it. Don’t panic either. There is almost always a path forward.
To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
Debt consolidation is supposed to help… so why do some people end up owing more money and facing lawsuits anyway?
Adam Parks joins this episode of The Debt Hotline. A 20-year veteran of the debt buying and collections industry, Adam breaks down what actually happens behind the scenes when debt is sold, negotiated, or sent to court.
Adam has worked with more than 200 debt buyers, collection agencies, and law firms, and previously served as President of the Receivables Management Association International (RMAI). In this conversation, he explains why collectors sometimes sue, what makes them more willing to settle, and why ignoring debt collectors is often the fastest way to escalate a case.
Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=debt_hotline
In this episode, you'll learn:
Why debt consolidation can sometimes make balances growWhat really happens when your debt is sold to a debt buyerThe biggest mistake people make that triggers lawsuitsWhy collectors often prefer settlement over courtWhat debt collectors actually look for when deciding to sueHow to safely handle identity theft disputes with collectorsReal caller questions answered:
“I consolidated $14k of debt and now I owe $25k and I'm being sued. What happened?”“Wells Fargo is suing me for $26,376 while my debt settlement company says they’re negotiating.”“Do judges ever dismiss these cases?”“A collector says I owe a debt from identity theft—what proof do they need?”“Should I settle before court if I can’t afford a lawyer?”The bottom line:
Most debt lawsuits don’t happen overnight—they happen after months or years of missed communication. When consumers engage early, verify debts, and negotiate clearly, settlements are far more likely and lawsuits can often be avoided entirely.
To submit a question to The Debt Hotline:
Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
Drowning in debt and wondering if you can actually negotiate with debt buyers? The answer is yes, but only if you communicate. In this episode of The Debt Hotline, George Simons sits down with Yale Levy, a seasoned attorney and former debt collector with nearly three decades of experience, to reveal the insider secrets of negotiating with debt buyers.
Debt buyers purchase charged-off debt portfolios from banks for around 4% of the original amount, then try to collect the full balance from consumers. If you're being contacted by a company you've never heard of, they probably bought your old debt from the original creditor. Yale shares what he learned from decades in collections and why the number one rule for consumers is simple: communicate, don't hide.
In this week's episode of The Debt Hotline, you'll learn:Why communication is the #1 factor in successful debt negotiationsHow to handle $150,000 in credit card debt when you're still current on paymentsWhat happens when your spouse passes away and leaves debt behindWhy "pay for delete" is largely a myth that doesn't work with major collectorsHow Social Security income can protect you from debt collectionWhat to do when settlement offers disappear due to missed deadlinesYale and George tackle real listener questions, including advice for someone with $150,000 in IT income facing massive credit card debt, a widow on Social Security worried about inherited debt, and consumers frustrated by settlement offers that kept increasing due to missed deadlines.Here are some important tips if you're dealing with debt buyers:Debt buyers purchased your debt for pennies on the dollar, giving you leverage in negotiationsSocial Security income is generally protected from garnishmentSettlement offers have real deadlines and missing them often means starting over at higher amounts"Pay for delete" violates credit reporting rules and major collectors won't honor these requestsPayment plans typically require $100+ monthly, sometimes extending up to 5 yearsEven with limited assets, you can often negotiate settlements for pennies on the dollarWhether you're dealing with Midland Funding, Portfolio Recovery, or any other debt buyer, this episode gives you practical strategies to communicate effectively, negotiate settlements, and avoid the biggest mistakes that cost consumers thousands. Solo can help you respond to debt lawsuits properly and SoloSettle makes debt negotiation straightforward—no awkward phone calls required.To submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
If collections are haunting you, your credit score is tanking, or you're struggling to qualify for loans, credit repair might be the solution you need. In this episode of The Debt Hotline, host Brandon from Team Solo sits down with Melinda, owner of Street Financial and a credit expert who transformed her own credit from poor to the high 700s. After working at three major banks and discovering that even financial institutions don't teach credit management, Melinda turned her struggles into expertise, helping thousands of people through TikTok, Instagram, and YouTube rebuild their credit profiles.
Together, Brandon and Melinda explore how to pull official credit reports, dispute inaccuracies, negotiate with collection agencies, and build positive credit history. Melinda also addresses the emotional side of credit repair, reminding listeners that poor credit doesn't define your worth; it's just a season that can change with the right plan.
Sued for debt? Use Solo to resolve it: Solo | Resolve debt.
Real callers join the conversation with honest, relatable questions:Tanya (North Carolina): How can she reach 680 from 590 after the divorce within a year?Marcus (Texas): Should he settle three charged-off cards or focus on building new credit after job loss and repossession?Gwen (Georgia): How can she rebuild credit after fire damage destroyed her business and led to Synchrony charge-offs?Jamal (Florida): What's the fastest way to raise his 610 score to qualify for a mortgage?Melinda answers with practical, actionable advice designed to help listeners understand their rights and rebuild their financial futures.To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected] -
If you’ve ever been contacted by a debt collector and weren’t sure what to do next, this episode of The Debt Hotline breaks it all down. Host George Simons, founder of Solo, sits down with Greg Anjewierden, founder of DebtBrief, to discuss what really happens when old debts change hands—and how to handle situations where things don't add up.
Greg draws on years of experience representing both collectors and consumers to explain how debt collectors must prove two key things: that you actually owe the debt, and that they have the legal right to collect it. He walks listeners through what “chain of custody” means, how missing documents can win your case, and why filing the right motions—like a motion to set aside judgment—can stop wage garnishments in their tracks.
Together, George and Greg tackle real listener questions, including:Daniel (Washington): What happens when your student loan has been sold multiple times—do you still owe it?Antonetti (Arkansas): How do you stop garnishments when you already have a payment plan?Dominique (Tennessee): Should you consider bankruptcy if you owe $35,000 across multiple debts?Anonymous (Ohio): Can collectors still garnish wages for a 13-year-old debt?Maria (Texas): Why can collectors still contact you for debts past the statute of limitations?Christopher (Utah): What happens if you’re sued in two courts for the same debt?Listeners learn how to recognize when collectors overstep, how bankruptcy impacts lawsuits, and how settlement tools like SoloSettle can help consumers negotiate fair deals without going to court.
To submit your own question to The Debt Hotline:
Call (801) 613-8181 and leave a voicemailEmail: [email protected] visit solosuit.com to learn how to respond to a debt lawsuit -
Can Bankruptcy Stop Wage Garnishment, Foreclosure, or Lawsuits?
If debt collectors are calling, your wages are being garnished, or you're facing foreclosure, bankruptcy might be the lifeline you need. In this episode of The Debt Hotline, host Hannah Locklear sits down with Stephen Nowak, a senior associate attorney at Guardian Litigation Group with decades of experience in bankruptcy law. Stephen has helped countless consumers facing financial hardship understand their options and regain control of their financial futures. Together, Hannah and Stephen explore how bankruptcy's automatic stay works, the difference between Chapter 7 and Chapter 13, and what debts can actually be eliminated.
Listeners get an expert's perspective on how filing for bankruptcy immediately stops most collection actions, from wage garnishments to foreclosure auctions. Stephen breaks down the process from start to finish, explaining what happens the moment you file, how the automatic stay protects you, and which debts survive bankruptcy. He also addresses the emotional side of filing, helping listeners understand that bankruptcy isn't about failure; it's about using a constitutional right to get a fresh start.
Sued for debt? Use SoloSuit to resolve it: Solo | Resolve debt
Real callers join the conversation with honest, relatable questions:Rachel (California): Will Chapter 7 stop her $9,000 credit card wage garnishment immediately?Angela (New York): Can bankruptcy make her $45,000 medical debt lawsuit disappear?David (California): Will filing wipe out the $12,000 he still owes after car repossession?Carol (Texas): Does bankruptcy cover both child support and creditor garnishments?Allan (New York): How does bankruptcy handle seven years of back taxes?Stephen answers them all with compassionate, practical advice designed to help listeners understand their legal rights and make informed decisions about their financial recovery.
To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected] -
Drowning in car payments or stuck in a loan that feels never-ending? In this episode of The Debt Hotline, host Hannah Locklear is joined by Joshua Tatum, co-founder and Chief Product Officer of CarPutty, a fintech company helping people manage and refinance their cars with transparency and control. With over two decades of experience in consumer finance, Joshua breaks down how to make smarter auto loan decisions, whether you’re buying, leasing, or refinancing, and how to treat your car like an asset, not a liability.
Together, Hannah and Joshua explore real strategies to lower monthly payments, avoid long-term debt traps, and regain financial stability through tools like CarPutty’s Flexline and V3 valuation system. They also take live calls from listeners across the country:
Rachel (Texas): Paying $650 a month for three years and still not seeing progress.Daniel (Ohio): Owes $28,000 on a car worth $22,000, what now?Louis (Florida): Credit score in the low 600s. Can he still refinance?Jessica (California): Needs a second car for her business but doesn’t want more debt.Andrew (New York): Unsure if refinancing will save him money long-term.Sued for debt? Use Solo to resolve it: Solo | Resolve debt
Key insights from this episode of The Debt Hotline include:
Why most Americans end up “upside down” on their car loans.How refinancing can reduce payments by hundreds each month.Why 72-month loans cost more than you think.Smart ways to finance multiple cars under one account.How to rebuild credit and use debt strategically.The bottom line: You don’t have to stay stuck in a bad car loan. With the right knowledge and tools, financial freedom is possible, one car payment at a time.
To submit your own question to The Debt Hotline:
Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected] -
Wondering if debt settlement is your best option, or just another trap? Join George from Solo as he sits down with Sheldon Banker, a longtime expert from TurboDebt, to break down how debt settlement works, when it makes sense, and what to do if you’re already being sued.Sheldon shares real listener Q&As covering payday loans, massive interest fees, co-signed student loans, and navigating settlement while enrolled in a debt relief program.
Sued for debt? Visit https://www.solosuit.com/?utm=podcast to respond.
In this week’s episode of The Debt Hotline, you’ll learn:
[Start] What TurboDebt does and how they help consumers tackle overwhelming debt03:24 Can you still settle after getting sued for a payday loan?05:30 Why lawsuits change your options, and how Solo helps06:32 How to respond when a collector tacks on $14K in interest to your credit card debt09:21 What to expect if you’re in a debt relief program and still getting summons13:30 Debt settlement vs. bankruptcy: when each makes sense15:11 How to negotiate with collectors if you don’t have full payment upfront17:14 Why DIY debt settlement is tough and what professionals can do differently20:39 Solo’s 7-step roadmap from lawsuit response to building credit22:21 Is your debt big enough for a settlement program? (The $7,500 rule)23:14 Co-signed a student loan that defaulted? What to do when you’re now being pursuedKey insights from Sheldon Banker:
Most debt settlement companies can’t help once a lawsuit has been filed, Solo can.The scariest part of debt relief is the fear of letting go of your credit score, but minimum payments forever isn’t a real solution.If your debts total more than $7,500, a settlement program may be a smart alternative to bankruptcy.Private student loans are eligible for settlement, even if you’re a co-signer.You can negotiate yourself, but working with a company can save serious time, stress, and money.George and Sheldon also walk through Solo’s roadmap for financial recovery, from responding to a lawsuit to rebuilding credit after resolution. Learn more about TurboDebt at https://www.turbodebt.com.To submit a question to The Debt Hotline, you can:
Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
Struggling with a car loan that’s straining your monthly budget? In this episode of The Debt Hotline, Brandon is joined by Nick Koroskowski, President of iLending, one of the nation’s largest auto loan refinancing providers. With over 20 years of experience in finance and auto lending, Nick shares insider strategies for lowering car payments and freeing up cash.
Together, they unpack the essentials of auto loan refinancing—how it works, who qualifies, and what kind of savings are realistic. Nick explains how families are saving an average of $148 per month through refinancing, why rising credit scores open the door to lower interest rates, and how protection products like gap insurance can safeguard household budgets.
Sued for debt? Use Solo to resolve it: Solo | Resolve debt
Live listener questions bring real-life scenarios to the table, including:
Maria (Texas): Can refinancing an 11% loan cut her payments?Kevin (Florida): Is refinancing possible when upside down by $4,000?Ashley (Ohio): With a $615 monthly payment, can refinancing create breathing room?Bob (Live Q&A): Are auto loans front-loaded like mortgages, and what about fees?James (Colorado): Missed two payments last year—still eligible to refinance?Latoya (California): Managing two car loans totaling $1,200—can they be combined?Robert (Georgia): Does refinancing mean starting over with a new 7-year loan?Key insights include:
How to know if your loan is overpriced and worth refinancing.Why a short-term dip in credit score often leads to long-term gains.How refinancing can help even if you’re upside down on your loan.What documents you’ll need to get started—and how quick the process can be.Why there are no hidden fees when refinancing through transparent lenders.The bottom line: refinancing isn’t just for people in trouble—it’s for anyone looking to save money, reduce stress, or build flexibility into their budget. Even if your situation feels complicated, it’s free to explore your options.
To submit your own question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected] -
Drowning in debt and unsure whether bankruptcy or settlement is the right move? In this episode of The Debt Hotline, George is joined by Ben Jackson, co-founder of Upsolve, the nation’s largest nonprofit bankruptcy platform. Ben knows the struggle firsthand. After his first business failed, he was left with $60,000 in credit card debt and no way to pay it off. Filing Chapter 7 bankruptcy gave him a fresh start and the chance to rebuild his financial life.
Together, George and Ben break down the critical decision many Americans face: whether to wipe out debt through bankruptcy or negotiate down balances through settlement. They share insider insights on Chapter 7 vs. Chapter 13 bankruptcy, debt management plans, and how everyday people can bounce back from even the toughest financial setbacks.Sued for debt? Use Solo to resolve it: Solo | Resolve debtLive caller questions add real-world perspective, including:
Linda (Minnesota): On SSDI and worried about losing credit access after bankruptcy.Rufino (Illinois): Unsure if filing in one state will affect a move for work.Jeff (California): Facing an $8,000 lawsuit, should he choose mediation or arbitration?Nicola (Illinois): Current on credit cards, but wondering if banks will still negotiate a settlement.TC (Entrepreneur): Carrying $75,000 in debt on $50,000 annual income, what’s the next step?Key insights include:
How bankruptcy can make you $160,000 better off over ten years.Why debt settlement may be smarter for balances under $10,000.The role of credit counseling and debt management plans in avoiding court.How quickly do credit scores recover after bankruptcy or settlement?The bottom line: Don’t let fear keep you stuck. Whether through bankruptcy, settlement, or a management plan, there’s always a way forward.To submit your own question to The Debt Hotline:
Call (801) 613-8181 and leave a voicemailFill out this form: Debt Hotline Question SubmissionEmail: [email protected] -
Getting sued for debt can throw your life off balance, but you don’t have to face it on your own. In this episode of The Debt Hotline, Hannah Locklear is joined by Mitchell Ortega, Director of Litigation at Guardian Litigation Group. With years of experience in debt defense, bankruptcy, and consumer protection, Mitchell breaks down the debt lawsuit process from start to finish and shares the key steps you can take to protect yourself.
Together, Hannah and Mitchell explain why most lawsuits don’t start with reckless spending but with life events like job loss, medical bills, or divorce. They cover what happens when you receive a demand letter, why you should never ignore service of process, and how filing an Answer keeps default judgment off the table. Mitchell also highlights how discovery works, when to consider arbitration, and what to do if identity theft or fraud is involved.
Sued for debt? Use Solo to respond: https://www.solosuit.com/?utm_source=podcast
Solo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt at https://www.solosuit.com/giveaway?utm_source=podcast
In this week’s episode of The Debt Hotline, you’ll learn:What a demand letter means and why it mattersWhy avoiding service can make things worseHow filing an Answer is your strongest first defenseWhy discovery is an opportunity, not just a burdenHow and when to negotiate a settlement before trialWhat default judgments really mean for your wages and assetsHow arbitration and identity theft change the litigation landscapeThe bottom line: Debt lawsuits are stressful, but with the right steps, you can regain control. Respond, negotiate, and settle before court for the best outcomes (in most cases).
To submit a question to The Debt Hotline:Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Email: [email protected] -
Think a judge will “meet you halfway” in court? Think again. In this episode of The Debt Hotline, George is joined by bankruptcy and consumer rights attorney John Skiba, who has helped more than 10,000 families resolve overwhelming debt.
Together, George and John explain why trials are always winner-takes-all, how to avoid risky court outcomes, and the smart steps you can take to negotiate with Cavalry SPV and other collectors before it’s too late. They also take live caller questions covering lawsuits, credit reporting, CareCredit collections, and bankruptcy gone wrong.
Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcast
Solo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt at https://www.solosuit.com/giveaway?utm_source=podcast
In this week’s episode of The Debt Hotline, you’ll learn:
Why judges don’t split the difference in debt cases (it’s all or nothing)How Cavalry SPV works as a debt buyer (and how to verify what you owe)Why filing an answer is your strongest defenseHow to protect yourself with written settlement agreementsWhat “dismissed with prejudice” really means for your credit reportWhen bankruptcy may (or may not) be the right path forwardReal caller stories include:
Jenna (Texas): Sued by Cavalry for $2,700 but unable to afford the court-offered payment planDana (Oklahoma): Sued by a credit union while Chase offers a $1,400 settlement on the same accountMina (California): Collector missed court twice—can she clear the case from her credit?Tamara (Georgia): Stuck after her prepaid legal attorney abandoned her $800 CareCredit lawsuitRon (Missouri): Paid for a Chapter 7 bankruptcy that was never filed—now facing multiple lawsuitsKey insights:
Settlement gives you more control than trial, where the stakes are all-or-nothingJudgments can lead to garnishments, liens, and levies depending on your stateNot all dismissals are equal—with prejudice can protect you from future collectionBankruptcy exemptions vary widely by state and may determine whether you keep your homeThe bottom line:
If you’ve been sued for debt, don’t wait for a judge to cut you a deal—it won’t happen. Your best move is to settle before trial, keep control of the outcome, and protect your financial future.
To submit a question to The Debt Hotline:
Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
Think old debts just disappear? Think again. In this episode of The Debt Hotline, your host George and debt collection attorney Greg Anjewierden break down statute of limitations laws and tackle three jaw-dropping caller situations that prove ignoring debt problems can haunt you for decades, even across international borders.
Greg Anjewierden is a licensed attorney, CEO and founder of Debtbrief, and former debt collection lawyer who knows the inner workings of debt litigation. He helps people navigate debt lawsuits with consulting, legal representation, and educational resources.
Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcastSolo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm_source=podcast
In this week's episode of The Debt Hotline, you'll learn:What statute of limitations means and why it varies by state and debt typeWhy you MUST still respond to lawsuits, even if the statute has expiredHow to check your state's statute of limitations using Solo's calculatorWhen selling debt to collectors does NOT restart the clockReal caller stories with escalating drama:Asia (Texas): 8-year-old $900 medical debt - statute expired but collectors still textingDennis (Ecuador): $450k judgment from 2015 business foreclosure now being enforced by debt buyers who garnished his retirement accounts while he's living abroadVanessa (Missouri): Teacher questioning whether Mazuma Credit Union misrepresented their relationship with Capital One after car repossessionKey legal insights:How process servers work (and yes, they can dress as Amazon delivery drivers)Why domesticating judgments across states creates enforcement opportunitiesWhen settlement agreements might limit your ability to pursue counterclaimsAsset protection strategies for retirement accounts and IRAsThe bottom line:
Old debt doesn’t just vanish, and the statute of limitations is simply a legal defense that still requires you to take action. Even expired debts can be collected through continued contact until you send a cease and desist letter. More importantly, ignoring valid debts can lead to judgments that can follow you for decades.
If you want to understand your options before you step into court, visit Debtbrief at https://debtbrief.com/.To calculate the statute of limitations on your debt, you can use Solo’s calculator: https://www.solosuit.com/posts/statute-limitations-debt-by-state
To submit a question to The Debt Hotline:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
Are you worried that bankruptcy will destroy your credit forever? Think again. In this episode of The Debt Hotline, Hannah sits down with Ben Jackson, co-founder of Upsolve, to debunk the biggest myths about bankruptcy and credit scores. Ben shares his personal journey from $60,000 in debt to homeownership—all thanks to filing Chapter 7 bankruptcy at age 29.
Ben is the co-founder of Upsolve, the largest bankruptcy nonprofit in the US that's helped over 18,000 people file bankruptcy and protect nearly $1 billion in debt. He has personal experience using bankruptcy to build the financial foundation for his current success.
Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcast
Considering bankruptcy? Get free help at upsolve.org
Solo's Dancin' in September Debt Payoff Giveaway: Enter for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm_source=podcast
In this week's episode of The Debt Hotline, you'll learn:Why most people see little to no credit damage from filing bankruptcy (and some see immediate improvement)How Ben rebuilt his credit score from 650 to over 700 within 18 months of filing bankruptcyThe difference between Chapter 7 (fresh start) and Chapter 13 (repayment plan) bankruptcyWhy filing bankruptcy in your twenties can accelerate long-term wealth buildingHow Upsolve's free tool works like TurboTax for bankruptcy formsReal listener Q&A covering:Whether bankruptcy affects your spouse's credit (it doesn't, if you file individually)How to handle stipulated judgments and unexpected interest chargesFiling bankruptcy while living outside the USProtecting assets like retirement accounts and irrevocable trustsWhat can cause a Chapter 7 filing to be denied (spoiler: almost nothing)The bottom line: By the time most people consider bankruptcy, their credit is already damaged from late payments and high debt. Filing bankruptcy often stops the bleeding immediately and starts the healing process. Most Upsolve users reach the 600s within 1-2 years and the 700s within 2-3 years. Courts want you to succeed, and bankruptcy is a legal right designed for fresh starts, not a moral failing.
Ben's story: At 29, Ben was drowning in $60,000 of credit card debt despite working 60-80 hours a week for Uber and Lyft. He almost filed the wrong type of bankruptcy and spent six months with stacks of paper, creating a fire hazard in his living room. Today, he owns a home, has a family, and runs a successful nonprofit—all because bankruptcy gave him the fresh start he needed.
To submit a question to The Debt Hotline:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
If you've been sued for debt and have no idea what happens next, this episode of The Debt Hotline is for you. Host Hannah Locklear is joined by Yale Levy, a former debt collection attorney with over 20 years of experience on both sides of the debt collection process. Together, they walk through the debt collection lawsuit process, from the first collection letter to your day in court, and offer tips for navigating it without losing control of your finances.
Yale offers a rare, behind-the-scenes view of how creditors and collection law firms operate and what they’re really hoping for when they sue you. Spoiler: most of them don’t want to go to trial either. If you’ve received a summons, filed an Answer, or are worried about garnishment, this episode will give you the clarity (and confidence) to take your next step.
Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcast
Solo's Dancin’ in September Debt Payoff Giveaway
Enter for a chance to win $4,700 to help pay off your debt: https://www.solosuit.com/giveaway?utm_source=podcast + $500 mini prizes every Friday in September. Enter daily for more chances to win!
What happens after a creditor sues you, and why you were selected for a lawsuitThe importance of responding with an Answer (and how Solo can help)What to expect during hearings and trials, from opening statements to final rulingsHow to negotiate a settlement at any stage of the lawsuitThe financial risks of ignoring your case, including wage garnishment and liens
Real listener questions answered:“I’m on SSI—can they freeze my account or garnish me?”“I got a dismissal notice without prejudice. Should I sign it?”“What happens at arbitration, and can I settle beforehand?”“I’m being sued for a debt that was sold—can they still do that?”The bottom line: Filing an Answer gives you negotiation power and can delay or even prevent a judgment entirely. Most collectors prefer to settle out of court since trials are costly and time-consuming. If you ignore your case, garnishment and liens can kick in, taking control away from you and adding court fees and interest. Settling gives you the power to choose how and when you pay. And if your only income is from SSI or disability, it’s likely protected, but you still need to respond to protect yourself. Solo can help you file your Answer, and SoloSettle lets you negotiate a payment plan or lump sum on your terms.
To submit a question to The Debt Hotline:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
Building wealth after debt is possible and it can be an exciting journey. In this episode of The Debt Hotline, Hannah is joined by Michelle Winterfield, CEO and co-founder of Tandem, a finance app helping over 130,000 households manage more than $200 million. Michelle shares practical strategies for building long-term wealth for modern households, even if you're starting from zero (or below).
Michelle brings deep insight from both her own financial journey and her time as a private equity investor turned fintech founder. She explains how to balance short- and long-term financial goals, why your mindset matters, and how to flip the narrative on family finances to build a secure future together.
Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.
In this week’s episode, you’ll learn:
How to build family wealth, even with student loans or credit card debtWhy 6–9 months of emergency savings is step one (and where to keep it)Which investment accounts offer the best tax advantagesHow couples can build trust and avoid conflict around moneyWhy consistent investing matters more than perfect timing
Real listener questions answered:
“I paid off $22,000 in credit card debt. Why is my credit score still low?”“My wife wants to save, I want to invest, how do we decide?”“Is getting a second job better than budgeting on one income?”“How can a college freshman start building wealth?”“Should I invest my $4,000 savings or keep building my emergency fund?”
The bottom line: Building wealth starts with smart foundations. She recommends paying off high-interest debt first, but not waiting forever to begin investing. Take advantage of “free money” like your employer’s 401(k) match, and use high-yield savings accounts for short-term goals. Transparency with your partner, especially about debt, is crucial, and treating saving and investing like non-negotiable monthly bills can create the consistency needed to build long-term financial security.
To learn more about Michelle and Tandem:
Website: https://www.usetandem.comInstagram & TikTok: @missmoneymichelle
To submit a question to The Debt Hotline, you can:
Call (801) 613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] -
In this episode of The Debt Hotline, George from Team Solo is joined by consumer rights attorney Yale Levy, a seasoned legal expert with nearly 30 years of experience in collections, creditor and debtor rights, and civil litigation. As Solo’s head of business development, Yale brings insider knowledge from both sides of the debt industry.
Together, George and Yale take on a tough question from a listener who borrowed money to invest in crypto and now faces a $15,000 lawsuit from PNC Bank. The caller shares how they tried to resolve the debt and why their court judgment caught them off guard. Yale and George walk through what went wrong, explain how to challenge a judgment, and offer tips for recovering from debt that spirals out of control. They also touch on crypto risk, how SoloSettle works, and the importance of filing the right paperwork when you're sued.
Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.
In this week’s episode of The Debt Hotline, you’ll learn:
Why settlement is always on the table, even after you’ve been suedHow to time your offer for maximum successWhat collectors are legally required to do, and how to hold them to itWhy SoloSettle is a great alternative to calling collectors directly
Real listener questions answered:
Whether you can be sued in one state if you’ve moved to another stateSettling debt after a default judgment is already enteredHow to make sure your Answer was received How to clear debt from your credit report after you’ve settled your debt
The bottom line: If you’ve borrowed money and it didn’t pan out, you still have options. Debt collectors settle all the time, but as a consumer, you should know your rights so you can protect yourself and show collectors you’re serious about settling. Filing the correct court documents, like an Answer or Motion to Vacate Judgment, can buy you time and even open the door to a better deal.
Make sure you communicate with debt collectors. Avoiding phone calls doesn’t help, but platforms like SoloSettle can remove the emotion from the process and keep things on your terms. Always get settlement terms in writing and make sure they include a full release of debt. And remember, the law is on your side when you know how to use it.
To submit a question to The Debt Hotline, you can:
Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] - Mostrar mais
