Stop the Takeaway.

Eviction & Apartment Debt

Know your rights before the landlord's next step, and fight the debt that follows you to your credit report.

• The eviction process step by step, and why your answer deadline matters
• What a summons means and what happens if you don't respond
• Common tenant defenses to raise with legal aid or a tenant attorney
• Inflated move-out charges and apartment collections
• Disputing apartment debt and tenant screening reports (FCRA & FDCPA)

Repo 2.0 & Charge-Offs

What they can and can't do when they take your car, and how to fight the balance and the reporting afterward.

Our first Repo Boot Camp drew 100+ paid students. 2.0 is even better.

• Your repo rights: "breach of the peace" and your property in the car
• The notices they owe you before selling the car
• Deficiency balances and when to challenge them
• How repos and charge-offs must report, and the common errors
• When a debt buyer comes after the balance

Authorized User Traps

Someone else's card is dragging down your credit. Learn how to get off the account, and what to do when they won't let you.

• What an authorized user is, and why you're usually not responsible for the debt
• How someone else's late payments and charge-offs end up on your report
• Getting removed: the card issuer and the credit bureaus
• Reported as the account owner instead of an authorized user? That's a reporting error.
• When a refusal or a collector coming after you becomes an FCRA or FDCPA violation