Debt Collection

Understand how debt collection works in Oregon, what happens at each stage, and the rights and options you have every step of the way. Find links to more detailed articles on each topic.

Getting a call or letter from a debt collector can be overwhelming. Learn your rights, what to do first, and how to protect yourself when contacted about a debt.

Before you decide what to do about a debt, make sure it’s real and correct. Learn how to check the details and protect your rights.

Learn what to do after you've been contacted about a debt. Understand your options, like paying, settling, disputing, or getting legal help.

Learn what debt collectors are allowed to do, what they’re not, and what to do if they break the rules.

Are you worried about debt collectors taking your Social Security disability benefits? If so, this article is for you. We'll help you understand your rights and steps you can take to protect your benefits from creditors. 

Learn the rules of when debt collectors can charge you interest and what to do if you think the charges are wrong.

Get step-by-step guidance on responding to a debt lawsuit, understand your options if you've been sued, and learn important deadlines for taking action.

Read our guide covering when a debt collector can take money from your paycheck or bank account or go after your property.