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A semi-realistic digital illustration of a young man with dark hair and glasses sitting at a wooden desk in a home office. He looks thoughtful, resting his chin on his hand while using a laptop labeled “EXPERIAN.” An open book lies on the desk beside him. Behind him, a floating digital window displays a mock news headline reading “The CFPB suing Experian” with a “LAWSUIT” stamp, suggesting a legal dispute. The background includes a window showing a sunny day with trees and a bookshelf with plants and folders.

When debt collectors come calling, it's easy to feel overwhelmed. But you have rights—and options. Knowing how to …