Debt and credit are where ordinary money trouble turns into something that follows you around — collectors who harass you (often over a debt that's wrong, not yours, or too old to enforce), and quiet errors on your credit report that cost you housing, jobs, and loans without you ever seeing why. The good news is how much power you actually have and how little of it people use: you can demand written proof before paying anything, dispute report errors for free, make the harassment legally stop, and — for old debt — discover it may not be collectable at all. This kit helps you spot what's not allowed, know the moves, and find free help. Free, private, works offline.
Everything here is general information to help you ask better questions —
not legal or financial advice. Debt-collection and credit rules vary by country, and
examples drawn from US law (FDCPA, FCRA) are flagged as such.