How to Dispute a Debt Collection

If you’ve ever been contacted by a debt collector and weren’t sure what to do next, this episode of The Debt Hotline breaks it all down. Host George Simons, founder of Solo, sits down with Greg Anjewierden, founder of DebtBrief, to discuss what really happens when old debts change hands—and how to handle situations where things don't add up.

Greg draws on years of experience representing both collectors and consumers to explain how debt collectors must prove two key things: that you actually owe the debt, and that they have the legal right to collect it. He walks listeners through what “chain of custody” means, how missing documents can win your case, and why filing the right motions—like a motion to set aside judgment—can stop wage garnishments in their tracks.

Together, George and Greg tackle real listener questions, including:

• Daniel (Washington): What happens when your student loan has been sold multiple times—do you still owe it?
• Antonetti (Arkansas): How do you stop garnishments when you already have a payment plan?
• Dominique (Tennessee): Should you consider bankruptcy if you owe $35,000 across multiple debts?
• Anonymous (Ohio): Can collectors still garnish wages for a 13-year-old debt?
• Maria (Texas): Why can collectors still contact you for debts past the statute of limitations?
• Christopher (Utah): What happens if you’re sued in two courts for the same debt?

Listeners learn how to recognize when collectors overstep, how bankruptcy impacts lawsuits, and how settlement tools like SoloSettle can help consumers negotiate fair deals without going to court.

To submit your own question to The Debt Hotline:

• Call [phone] and leave a voicemail
• Email: [e-mail]
• Or visit solosuit.com to learn how to respond to a debt lawsuit