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What is consumer debt?

If you're dealing with issues related to debt, it's important that you know whether your debt is a consumer debt.

Consumer debt is any debt that comes from personal, family, or household expenses. 

If your debt is from expenses or a loan connected to your work or business, to the government, or it's related to a criminal court or family law case, it is most likely not a consumer debt.

Understanding whether your debt is consumer debt is important because it affects your options and legal rights. You will typically have more protection and rights when your debt is a consumer debt. 

Examples of consumer debts:

  • Credit card bills for personal purchases
  • Phone bills
  • Medical bills
  • Personal loans (such as a car loan for a personal vehicle)
  • Utility bills for your home
  • Mortgages for your home

Examples of debts that are not consumer debts: 

  • Credit card bills for business-related purchases
  • Mortgages for a business property
  • Tax debt
  • Child support or spousal support debt
  • Court debt such as fines, fees, and restitution 
  • Other debts owed to the government

More on Consumer Debt:

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