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Debt Help, Traps, and Your Rights — worksheet
Before you start: where your answers live
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Help, traps, and rights — a readiness check
This isn’t about grading; it’s about knowing where you’d turn before you need to.
| Prompt | My answer |
|---|---|
| A nonprofit counselor I could call (NFCC/FCAA), and their number | |
| The three FDCPA rights I’d lean on in a collection call | |
| My state’s statute of limitations on this kind of debt (or “need to check”) | |
| The warning signs that would tell me it’s time to get help | |
| Red flags that mean a “debt relief” offer is a trap |
Everything you type saves automatically on this device — no account, nothing sent to a server. Clearing site data or switching browser/device erases it.