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Across the country, millions of Americans are facing a financial reality they never expected. Rising prices for groceries, housing, insurance, and other everyday necessities have forced many families to rely on credit cards and loans simply to make ends meet. According to a July 2026 report by The Pew Charitable Trusts, Americans are accumulating what researchers call "survival debt"—debt incurred not for luxury purchases, but to pay for basic living
Beware If you have recently heard something like "This communication is from a debt collector attempting to collect a debt."
Statutes of limitations are established to protect debtors from being exposed to debt collectors or creditors for a specific length of time.
There is a high number of complaints involving debt scammers every day. It is safe to assume that these scammers continue.
If you live in Ohio and have old debts, the statute of limitations could be your ally.
It is no surprise that having debt can cause stress.
Debt can be a heavy burden for many individuals, and dealing with creditors can often exacerbate stress and anxiety.
I cannot emphasize the importance of a good credit score enough, however.
The Fair Credit Reporting Act ("FCRA") was enacted by congress in 1970 with the goal of protecting consumers from inaccuracies.
The FDCPA, also known as the Fair Debt Collection Practices Act, was enacted in 1978 by Congress.
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