A collector says I owe money I do not recognize

More bankruptcy and debt situations

• A creditor is collecting after my discharge Determine whether the debt was discharged and whether the contact concerns personal liability or a surviving lien.
• Which counseling and education courses are required? Prefiling credit counseling and postfiling debtor education are separate requirements, with limited exceptions.
• I received notice of a trustee meeting Follow the notice and trustee’s lawful instructions; this is a required part of many cases.
• I earn too much; does that rule out bankruptcy? Income is important but does not provide a universal yes/no answer.
• Can student loans be discharged? Some student debt requires a separate dischargeability proceeding and a legal showing; it is not automatically erased or universally impossible to discharge.
• My bank account was frozen Act quickly to identify the order and whether protected funds or exemptions are involved.
• Medical bills are overwhelming me Check billing accuracy and available financial assistance while evaluating the broader debt picture.
• I received a debt-collection lawsuit Respond through the court process by the applicable deadline, even if you already disputed the debt with the collector.

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