Sourcing standard
Core consumer rights pages cite official or primary sources where possible, including the CFPB, FTC, USA.gov, state consumer offices, court papers, and local counsel.
- Federal consumer information is linked directly.
- State pages point readers toward state consumer offices and local court verification.
- We avoid exact state-law deadline charts unless the rule can be clearly verified and maintained.
AI-assisted drafting disclosure
Pages may be drafted or organized with AI-assisted tools, then structured to reduce generic wording, remove unsupported claims, and point readers toward official verification. AI assistance is not a substitute for professional legal review.
Update practice
Major template and source updates are labeled with the sitewide update date: June 15, 2026. Individual pages may be expanded as new official sources or reader questions are identified.
Official Sources To Check
Debt collection and court rules change. Use these sources as starting points, then verify anything deadline-related with your court, the papers served on you, or a licensed attorney in your state.