About GetDebtRelief

GetDebtRelief explains, state by state, the rules that protect you when you're in debt: how long creditors have to sue, what can be garnished, and who collectors answer to. Our calculators are free, with no sign-up.

When you ask for help through our form, we pass your request to debt relief providers, such as credit counseling agencies, debt settlement companies, lenders or attorneys, that may contact you about your options. We may be paid by those providers. That never costs you anything, and you're never obliged to use any of them.

We are not a lender, credit counselor, debt settlement company or law firm. Our state pages are general information, checked against each state's laws on the date shown, and not legal advice. For a decision about your own situation, talk with a certified credit counselor, a tax professional or an attorney.