『The Debt Hotline』のカバーアート

The Debt Hotline

The Debt Hotline

著者： Team Solo
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 If you've ever felt overwhelmed by debt or confused by a court summons, you're not alone—and you're not powerless.

The Debt Hotline is your direct line to clarity, confidence, and control over your financial future. Hosted by legal expert George Simons and financial wellness advocate Hannah Locklear, this show breaks down the debt collection process, teaches you how to respond to lawsuits, and gives you real, actionable steps to take back control.

With insights from industry pros, real listener questions, and practical guidance, The Debt Hotline helps you navigate debt with knowledge and courage. Don’t panic—get informed. Call in, tune in, and let’s get you back on track.Solo 個人ファイナンス 政治・政府 政治学 経済学
エピソード
  • How to Get a Debt Lawsuit Dismissed

    How to Get a Debt Lawsuit Dismissed
    2025/05/15
    When you're hit with a debt collection lawsuit, is there a magic phrase that will make it disappear? Consumer rights attorney John Skiba joins us to reveal what really works—and it's not what you might expect. Sued for debt? Go to https://www.solosuit.com/?utm=podcast to resolve it. You can also enter Solo’s Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: https://get.solosuit.com/giveaway?utm_source=podcastJohn explains why most people lose debt lawsuits before they even start (hint: it happens to 95% of consumers) in this informative episode. He also breaks down the strategic differences between fighting original creditors versus debt buyers.John shows why winning might not mean what you think. If you're being sued for $10,000 and settle for $2,500, that's a $7,500 victory! He explains why judges function more like "umpires" than advocates, and why telling them about your financial hardship won't automatically dismiss your case.In today’s episode, you'll discover:
    • When to file a Motion to Dismiss
    • How to leverage arbitration clauses in your favor
    • What happens if you lose a debt collection lawsuit—including wage garnishment, bank levies, and liens that can follow you for decades.
    • Common questions about improper service, interrogatories, settlement strategies, and dealing with old debts beyond the statute of limitations.
    Whether you're facing a lawsuit from Midland Funding, Portfolio Recovery, or an original creditor like American Express, this episode gives you practical strategies to respond properly, avoid default judgments, and potentially get your case dismissed. Solo can help you file your Answer document quickly 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 voicemail
    • Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8
    • Send an email to support@solosuit.com
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    29 分
  • Medical Debt 101: How to Protect Your Finances and Credit

    Medical Debt 101: How to Protect Your Finances and Credit
    2025/05/08
    When medical bills hit your mailbox, the financial stress can feel just as painful as the treatment itself. Debt resolution expert and attorney Greg Angellin joins us to break down how medical debt works, how it affects your credit, and how to defend yourself if you’re sued. Greg previously worked in medical debt collection—now he helps people fight back. In this episode, he shares insider knowledge on what collectors don’t want you to know.Greg explains why medical debt is often treated differently from credit card debt, including recent changes to credit reporting rules. Many consumers believe that if a medical debt isn’t on their credit report, it won’t hurt them—a dangerous myth. Greg clears up the confusion between credit reporting and debt collection, and explains why hospitals and collectors can still sue you, garnish wages, and freeze bank accounts, even if your debt is “under the radar.”You’ll learn how long medical debt stays on your credit report, what counts as a ‘valid’ medical debt, and how to find out if you qualify for financial assistance or interest-free payment plans. We discuss real-life settlement strategies and why many attorneys are more willing to compromise than third-party collectors.Whether you're facing a lawsuit over a hospital bill or simply trying to understand your rights, this episode offers a practical guide to protecting your credit and your peace of mind. Solo can help you respond to lawsuits and settle medical debts on your terms—no law degree required.
    • [05:01] Medical debt is still collectible even if it doesn’t appear on your credit report
      Many people assume if a medical bill isn’t on their credit report, it doesn’t matter—but you can still be sued and held legally responsible.
    • [08:35] Start by contacting the medical provider directly
      Before dealing with debt collectors, ask the hospital or provider about charity care or interest-free payment plans to resolve the bill early.
    • [11:20] Strategic silence can give you leverage
      If negotiations stall, it might be smart to stop communication and wait for a lawsuit—then re-engage once you’re dealing with an attorney who may be more willing to settle.
    • [15:33] Social Security is protected—but your bank account may not be
      Debt collectors can’t take Social Security directly, but they might access it if it's sitting in a bank account, so be cautious about where your money is kept.
    • [25:30] You can still settle after a judgment is entered
      Even if you lose in court, the creditor still has to collect—this gives you another opportunity to negotiate a lump-sum payment or better settlement.

    To submit a question to The Debt Hotline, you can:
    Call 801-613-8181 and leave a voicemail
    Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8
    Send an email to support@solosuit.com
    Visit https://www.solosuit.com/?utm=podcast
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    30 分
  • How to Settle a Judgment Debt Q&A With Lester Bird

    How to Settle a Judgment Debt Q&A With Lester Bird
    2025/05/01
    When faced with a judgment debt, understanding your options is crucial. In this enlightening episode, courts policy expert Lester Bird from the Pew Charitable Trust breaks down what actually happens in debt collection lawsuits across America. Drawing on years of data analysis, Lester shares eye-opening statistics about who gets sued, how much they owe, and what options work best for consumers.

    Sued for debt? Use Solo to resolve it: https://www.solosuit.com/?utm=podcast

    Most people don't realize that 60-70% of debt collection cases end in default judgments simply because defendants never respond to the lawsuit. But for those who do engage, settlement often offers the best path forward. Lester explains why avoiding garnishment—where 25% of your paycheck can suddenly disappear or your bank account gets wiped out—should be a top priority.

    The episode reveals surprising facts about debt collection lawsuits: half of all cases are for $2,000 or less, yet these small debts can balloon with filing fees, attorney costs, and strange penalties (like Oregon's "prevailing party fee" that charges you extra just for losing your case). Medical debt drives a third of all collection lawsuits in some states, and the same large companies dominate court dockets nationwide.

    You'll also discover Lester's practical debt settlement payment calculator tool that helps find the sweet spot between paying off debt quickly while keeping payments manageable. Whether you're facing a lawsuit now or want to understand how debt collection courts operate, this episode provides practical insights from someone who analyzes thousands of cases across the country.

    You can learn more about Lester’s research with Pew Charitable Trust here: pewtrusts.org/modernlegal

    Got debt questions? To submit a question to The Debt Hotline, you can:
    • Call 801-613-8181 and leave a voicemail
    • Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8
    • Send an email to support@solosuit.com
    Visit https://www.solosuit.com/?utm=podcast
    続きを読む 一部表示
    30 分

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