Dispute by Debt Type

Credit card debt is the most common consumer debt in America. Under the FCBA, you have 60 days to dispute billing errors. Many collection accounts lack proper documentation.

80% of medical bills contain errors. The No Surprises Act protects against out-of-network surprise bills. Medical debt can't appear on credit reports for 365 days.

Federal student loans have specific protections. Private student loans are governed by state contract law. Income-driven repayment and forgiveness programs may apply.

Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.

Personal loans are unsecured debt governed by the original loan agreement and state law. If in collections, FDCPA applies. Many collection agencies lack original documentation.

Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.

Telecom debt from cell phone, internet, and cable bills. The FCC regulates billing practices. Early termination fees and equipment charges are the most common disputes.

Rent debt from unpaid rent, lease break fees, or security deposit disputes. State landlord-tenant law governs. Security deposit claims have strict return timelines.