『The Debt Hotline』のカバーアート

The Debt Hotline

The Debt Hotline

著者： Team Solo
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 If you've ever felt overwhelmed by debt or confused by a court summons, you're not alone—and you're not powerless.

The Debt Hotline is your direct line to clarity, confidence, and control over your financial future. Hosted by legal expert George Simons and financial wellness advocate Hannah Locklear, this show breaks down the debt collection process, teaches you how to respond to lawsuits, and gives you real, actionable steps to take back control.

With insights from industry pros, real listener questions, and practical guidance, The Debt Hotline helps you navigate debt with knowledge and courage. Don’t panic—get informed. Call in, tune in, and let’s get you back on track.Solo 個人ファイナンス 政治・政府 政治学 経済学
エピソード
  • How to File Bankruptcy for Free Without an Attorney

    How to File Bankruptcy for Free Without an Attorney
    2025/05/29
    If you’re staring down debt and wondering if bankruptcy might be the right option, this episode is a must-listen. Ben Jackson joins this week’s episode of The Debt Hotline to share his personal bankruptcy experience and expert tips on how to navigate the whole bankruptcy process.

    Ben is the Co-founder and Chief Product Officer of Upsolve, a nonprofit that’s helped hundreds of thousands of people file bankruptcy without having to hire an attorney. Plus, Ben explains how he personally resolved more than $60,000 of debt through bankruptcy, and how it helped him find financial freedom and eventually become a homeowner.

    If you’re considering bankruptcy and struggling with debt, enter Solo’s Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: https://get.solosuit.com/giveaway?utm_source=podcast

    Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.

    In this week’s episode of The Debt Hotline, you’ll learn:
    • When it makes sense to respond to a lawsuit vs when to consider bankruptcy
    • How long the bankruptcy process takes
    • How bankruptcy affects your credit
    • HHow to protect your assets, including your home
    Ben and George also answer real listener questions about wage garnishment, arbitration, and what to do if your credit report isn’t updating properly after discharge. Here are some important tips if you’re considering bankruptcy:
    • You can file Chapter 7 bankruptcy for free using Upsolve.org no lawyer required.
    • Filing bankruptcy stops most lawsuits and wage garnishments, but timing matters.
    • Responding to a debt lawsuit first is critical—even if you plan to file bankruptcy later.
    • Most people erase $40K–$100K in debt and only pay a $338 court fee (often waived).
    • Common DIY mistakes include using the wrong forms and missing key deadlines.
    To submit a question to The Debt Hotline, you can:
    • Call 801-613-8181 and leave a voicemail
    • Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8
    • Send an email to support@solosuit.com
    続きを読む 一部表示
    36 分
  • How To Protect Yourself From Predatory Lending with Law Professor Nathalie Martin

    How To Protect Yourself From Predatory Lending with Law Professor Nathalie Martin
    2025/05/26
    Predatory lending traps millions of Americans in debt cycles with interest rates as high as 600%. Law professor Nathalie Martin joins us to expose the shocking truth behind payday loans, title loans, and internet installment loans.


    Sued for debt? Use Solo to resolve it:

    https://www.solosuit.com/?utm=podcast
    Nathalie reveals how these loans target vulnerable communities with interest rates that would be illegal in many states. While 400% interest on payday loans sounds extreme, she explains that in states like Texas, rates can legally reach an astounding 662% with no effective cap. She also breaks down the differences between various predatory loans and how title loans can cause people to lose their vehicles—often their last valuable asset.
    In today's episode, you'll discover:
    • Why 75% of lender revenue comes from borrowers who take 10+ loans per year
    • How predatory loans are designed to be "easy to get into and hard to get out of"
    • The state-by-state patchwork of interest rate caps (and where there are none)
    • Why most borrowers use high-interest loans for basic expenses, not emergencies
    • Practical strategies for escaping predatory loan cycles when you're already trapped

    Whether you're struggling with payday loans, title loans, or considering a high-interest borrowing option, this episode provides critical information to protect your financial future. Solo can help you respond to debt collection lawsuits, and SoloSettle makes debt negotiation straightforward—giving you the tools to break free from predatory debt.

    You can also enter Solo's Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: get.solosuit.com/giveaway
    To submit a question to The Debt Hotline, you can:
    • Call 801-613-8181 and leave a voicemail
    • Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8
    • Send an email to support@solosuit.com
    続きを読む 一部表示
    27 分
  • How to Get a Debt Lawsuit Dismissed

    How to Get a Debt Lawsuit Dismissed
    2025/05/15
    When you're hit with a debt collection lawsuit, is there a magic phrase that will make it disappear? Consumer rights attorney John Skiba joins us to reveal what really works—and it's not what you might expect. Sued for debt? Go to https://www.solosuit.com/?utm=podcast to resolve it. You can also enter Solo’s Debt Payoff Giveaway for a chance to win $4,700 towards paying off your debt from now until June 4th: https://get.solosuit.com/giveaway?utm_source=podcastJohn explains why most people lose debt lawsuits before they even start (hint: it happens to 95% of consumers) in this informative episode. He also breaks down the strategic differences between fighting original creditors versus debt buyers.John shows why winning might not mean what you think. If you're being sued for $10,000 and settle for $2,500, that's a $7,500 victory! He explains why judges function more like "umpires" than advocates, and why telling them about your financial hardship won't automatically dismiss your case.In today’s episode, you'll discover:
    • When to file a Motion to Dismiss
    • How to leverage arbitration clauses in your favor
    • What happens if you lose a debt collection lawsuit—including wage garnishment, bank levies, and liens that can follow you for decades.
    • Common questions about improper service, interrogatories, settlement strategies, and dealing with old debts beyond the statute of limitations.
    Whether you're facing a lawsuit from Midland Funding, Portfolio Recovery, or an original creditor like American Express, this episode gives you practical strategies to respond properly, avoid default judgments, and potentially get your case dismissed. Solo can help you file your Answer document quickly and SoloSettle makes debt negotiation straightforward—no awkward phone calls required.To submit a question to The Debt Hotline, you can:
    • Call 801-613-8181 and leave a voicemail
    • Fill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8
    • Send an email to support@solosuit.com
    続きを読む 一部表示
    29 分

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