Wage Garnishment After a Loan Default: Limits, Exemptions, and Your Rights
Federal law caps most wage garnishments at 25% of disposable earnings after loan default. Learn your protections, exemptions, and how to stop garnishment.
Category Consumer Protection
Auto Title Loan Protections vs Payday Loan Protections: Which Law Has Your Back
1 in 5 title loan borrowers loses their vehicle to repossession, yet no federal repossession statute exists. Here's how title and payday loan protections actually compare.
Beyond the Fine Print: Advanced Strategies for Spotting Predatory Loan Terms
APRs above 400%, hidden prepayment penalties, auto-rollover clauses — the CFPB flags at least 6 predatory loan structures that cost borrowers thousands. Here's how to spot them.
Consumer Protection Laws That Changed in 2026 and What They Mean for Borrowers
Lenders now face $50,000-per-violation fines and borrowers get 60-day BNPL dispute windows under 2026's biggest regulatory overhaul since Dodd-Frank.
What Lenders Are Not Allowed to Ask You During a Loan Application
Federal law protects 12 characteristics from lender questioning—including race, religion, and family plans. Here's what creditors cannot legally ask and how to report violations.
How Seniors Are Targeted by Loan Scams and How to Fight Back
Learn about loan scams seniors face daily. Discover the top tactics fraudsters use and proven steps older adults can take to protect their finances.
Debt Collection Texts vs Calls: Which Tactics Are Actually Illegal
Collectors who call before 8 a.m. or text your debt details to third parties can face $1,000 fines per lawsuit. Here's what the FDCPA actually prohibits.
Medical Debt on Your Credit Report: Rights Most Patients Never Use
A certified-mail FCRA dispute beats the online portal form — and patients in 15 states plus nonprofit hospital borrowers have enforceable rights most never invoke.
How a Gig Worker Successfully Fought an Illegal Auto-Renewal Loan Charge
The CFPB has recovered $1.6B from predatory lenders since 2011. Here's how one gig worker documented an unauthorized renewal fee and got a full refund in under 90 days.
5 Mistakes Borrowers Make When Filing a CFPB Complaint
Over 6 million CFPB complaints filed — yet many go unresolved because borrowers skip critical steps like attaching documents or naming the right company. Here's what to fix.