More than 20,000 civilians receive treatment each year in Department of Defense (DoD) military treatment facilities. The DoD aggressively pursues collection for medical services provided to these civilians at military treatment facilities pursuant to its authority under the Debt Collection Improvement Act. A new NCLC Digital Library article describes new regulations that provide pathways to financial assistance, including details of eligibility and how to apply for assistance.

This article explains how to respond to IRS tax debt. Always file a return even without paying taxes owed, almost never use a credit card, and press various exemptions against an IRS levy. Options are detailed to pay in installments, eliminate collections, and even reduce the debt owed. Special rights for spouses and debtors in bankruptcy are discussed, and sources of help are listed.

This article sets out seven key mistakes consumers make in attacking arbitration requirements: failing to first challenge delegation clauses; jumping into federal court; missing attacks on electronic consent and the contract’s language; mistaking the breadth of federal bans on arbitration; and underestimating arbitration’s ability to provide individual and even broad-based relief.