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Debt & Collections

Unemployment Overpayment Notices: Why They Happen and How to Appeal or Set Up Repayment

November 6, 2026November 4, 2026 by L. Leonard
Woman holding an envelope at her kitchen table

Got an unemployment overpayment notice? Learn why they happen, how to appeal the decision, request a waiver, or set up a repayment plan you can afford.

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How to Stop a Tax Refund Offset for Child Support Debt

November 6, 2026October 2, 2026 by L. Leonard
Mother sitting on a couch while her toddler plays nearby

Stopping a Child Support Tax Refund Offset: What It Actually Takes If a federal tax refund offset for child support has already happened, or you’ve received a notice that one is coming, you have real options — but the clock matters. Some paths (like disputing the debt) only work before the offset happens. Others (like … Read more

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How to Set Up an IRS Payment Plan (Installment Agreement)

November 6, 2026September 21, 2026 by L. Leonard
Woman at a dining table working on a laptop

Learn how to set up an IRS installment agreement online in 15-60 minutes, including requirements, costs, and steps to pay off tax debt over time.

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IRS Offer in Compromise: How to Settle Tax Debt for Less

November 6, 2026September 20, 2026 by L. Leonard
Man sitting at his kitchen table with his hands folded

Learn how an IRS Offer in Compromise works, who qualifies, and how to settle your tax debt for less than you owe.

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Wage Garnishment for Unpaid Taxes vs Student Loans: What’s the Difference

November 6, 2026September 8, 2026 by L. Leonard
Man sitting in his truck cab with both hands on the wheel

Wage garnishment for IRS tax debt vs. student loans follows different rules and caps. Learn the key differences before your paycheck is affected.

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Federal Student Loan Default: How to Rehabilitate Your Loan Step-by-Step

November 6, 2026September 5, 2026 by L. Leonard
Young man on a phone call at his kitchen counter

Learn how to rehabilitate a defaulted federal student loan step-by-step, remove default from your credit report, and stop wage garnishment.

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Chapter 7 vs Chapter 13 Bankruptcy: Which Should You File?

November 6, 2026August 27, 2026 by L. Leonard
Man sitting alone at his kitchen table at dusk

Chapter 7 vs Chapter 13 bankruptcy compared: eligibility, timelines, and costs explained so you can decide which one fits your financial situation.

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