DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Oregon
ORColumbia Ultimate

Dispute Columbia Ultimate in Oregon

Your Oregon rights against Columbia Ultimate: SOL is 6 years for credit card debt. Garnishment capped at 25% of disposable earnings or amount exceeding $254/week.

6 years

Oregon credit card SOL

Oregon Unlawful Debt Collection Practices Act

State collection law

Common Columbia Ultimate Violations

Collecting on debts discharged in bankruptcy
Failing to update credit reports after dispute
Adding unauthorized interest charges

Oregon Dispute Tips vs Columbia Ultimate

If you filed bankruptcy, send them your discharge papers immediately
Columbia collects utility and telecom debts — check final statements
Demand they remove inaccurate entries from all three credit bureaus

Oregon Protections

State act applies to original creditors
$40,000 homestead exemption (single)

Oregon Debt Laws

All protections in Oregon

Columbia Ultimate Overview

All violations & tips

Dispute Columbia Ultimate in Oregon — $9.99/mo