Written by Attorney Naomi Sarega | Last Updated August 2026 Brighthouse Law is a DBA of The Law Firm of Higbee & Associates. America’s civil justice system and economy is facing a growing challenge. Debt collection lawsuits are being filed at a pace that many courts—and many consumers—are struggling to handle. Recent research from the Pew Charitable Trusts shows that up to 4.7 million debt collection lawsuits are filed each year in the United States, making debt collection on

If you are facing financial hardship, it is important for you to understand how to communicate with your creditors or debt collectors

Our law firm has helped thousands of people get a fresh start with debt settlement.

Anyone facing large amounts of debt is under a seemingly insurmountable level of pressure.