Skip to content
FDCPA Glossary
Free Legal Help

What Could Count as a Debt?

Stop the

You have legal rights. We can help.


A debt is anything, typically money, that is owed to someone else. If you’ve been contacted by a third-party debt collector, you allegedly haven’t paid back a debt to a bank, company, hospital, loan officer, or any other organization.

What Forms of Debt Are There?

There are many forms of debt that are legal for third-party debt collectors to actively pursue. Here are just a couple of examples:

  • A check for services or products
  • Student loans
  • Medical bills or other similar obligations
  • Credit card debt

Debt collectors cannot harass you regarding unpaid taxes and a few additional types of debt, but most major forms of financial obligations count as debt for a third-party collector.

Speak With an FDCPA Attorney

If you’ve been contacted by a debt collector regarding outstanding credit card debt, student loans, or any other financial obligations, you should speak with an FDCPA attorney. It’s possible you no longer owe these debts, or worse, the debt collector is violating the FDCPA in an effort to collect the debt.

You can speak with an FDCPA attorney in your area by filling out our non-obligational Free Case Evaluation.

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.