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What happens when you need to deal with a debt in court?
Debt collection can be stressful and complex. Understanding your rights will help you navigate your options more confidently.
The third installment of our Consumer Confidence Comic series continues from Issue No. 2: Dealing with Debt Collection, to illustrate your rights and options in the face of different collection tactics. The story in this comic follows one person who is being sued for unpaid debt, and another person who is fighting an unlawful debt collection practice in court.
While some debts are legitimate, others may involve unlawful practices or attempts to collect debts you do not owe. Whether you're being sued for a debt in court, have had a judgment entered against you, or are dealing with a writ of garnishment, this comic will help you make informed decisions and point you in the right direction for additional support.
Oregon Consumer Justice partnered with consumer attorneys Kelly Donovan Jones and Michael Fuller and local illustrator Audra McNamee to bring this issue to life!
Available in English and Spanish (and doubling as a coloring book), this comic will help you understand your protections and rights when it comes to navigating debt collection.
Understand your rights if a debt collector takes legal action against you. Use this information to determine the next steps that make sense for you.
Read Issue No. 2 of our comics about debt collection notices and your rights when communicating with debt collectors.
Debt collection protections and exemptions in Oregon were strengthened with the passage of the FFPA in 2024.
This Oregon Law Help article explains your rights and important details to understand if you are sued over a debt.
Order copies to share broadly with your community.
There is a lot to consider when navigating a debt that involves the court. Use the following links to help throughout the process.
As a place to start, Oregon Consumer Justice partners with OCJ Law to provide legal services and solutions for consumers.
If a debt collector breaks the law, you can report them to federal agencies or your state attorney general's office. These enforcement agencies can investigate and take action.
Partners like Oregon Law Help can offer additional guidance and support.
