Perhaps it's happened to you: you've lost your job and the bills are starting to pile up, or you've had some unexpected medical expenses that your paycheck just won't cover. Suddenly you are in debt and worried about what's going to happen to you and your family.

What can happen to you when you owe money? Can you end up in jail? Can you be sued? What about those annoying phone calls from the debt collectors--can you stop them? You should know, there are laws in place to protect you if you can’t afford to pay your debts.

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Last Reviewed: January 7, 2020