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Microsoft CEO Satya Nadella is backtracking from comments he made earlier today suggesting that women should not ask for raises.

At a conference celebrating women in technology, Maria Klawe, a member of Microsoft's board, asked Nadella what advice he would give women who are uncomfortable asking for raises.

We'll let ReadWrite take it from here:

" 'It's not really about asking for a raise, but knowing and having faith that the system will give you the right raise,' Nadella told a confounded (and predominantly female) audience at the Grace Hopper Celebration of Women in Computing on Thursday.

"Ascribing to mortals the fictional abilities of comic book heroes, Nadella advised that women embrace their innate 'super powers' and confidence, and trust a system that pays women 78% as much as men. ...

" 'That might be one of the initial "super powers," that quite frankly, women (who) don't ask for a raise have,' he told the straight-faced Klawe. 'It's good karma. It will come back.' "

As you can imagine, Nadella's comments drew quick ire across the Internet, and he realized that pretty quickly. He tweeted:

Was inarticulate re how women should ask for raise. Our industry must close gender pay gap so a raise is not needed because of a bias #GHC14

— Satya Nadella (@satyanadella) October 9, 2014

We're not sure what he means by that.

But we'll leave you with a story NPR's Jennifer Ludden filed back in 2011 about how and why women hesitate before asking for a raise.

She talked to economist Linda Babcock of Carnegie Mellon University, who said women are more likely to wait to be given a raise and wait to be assigned to the job or task they really want to do.

Jennifer reported:

"In fact, this hesitation might be for good reason. It turns out that when women do negotiate, it can backfire.

"[In an experiment,] Babcock showed people videos of men and women asking for a raise, following the exact same script. People liked the man's style and said, 'Yes, pay him more.' But the woman?

" 'People found that to be way too aggressive,' Babcock says. 'She was successful in getting the money, but people did not like her. They thought she was too demanding. And this can have real consequences for a woman's career.' "

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Kari Fiotti moved back to Omaha, Neb., in 2009 after a decade living in Italy. She had divorced her husband and returned to the U.S. to start a new life.

Then, Fiotti, 44, took a pricey fall.

"When I came back, I fell and I broke my wrist without insurance," she says.

Her doctor, she says, rejected her offer to make partial payments. So, like millions of Americans, her debt — which had grown to $1,640 with interest and fees — was turned over to collectors.

Fiotti soon learned how hard they would try to collect her unpaid bills.

Court records show that the collectors sued Fiotti, but that she didn't show up in court for the hearing about her case.

In May of last year, Fiotti suddenly realized, "My bank account's at zero and I'm like, whoa, what's going on?"

Debt collectors had seized her bank account because she didn't have enough to cover the debt. Fiotti says she was stunned. "You're taking everything that I have," she says. "You're not just taking a portion of it, you're taking my livelihood."

Fiotti says she was doing clerical work making about $10 an hour. She had a kid in college and no savings. She says she had to overdraw her checking account just to take out $50 to buy groceries. In the end, a friend put Fiotti in touch with a lawyer, and she now has the debt behind her.

This story was co-published by NPR and ProPublica, an investigative journalism organization.

For more on this story:

Read the ADP report on wage garnishment. The nation's largest payroll services provider released its report after studying 2013 payroll records for 13 million employees, at the request of ProPublica.

From NPR: Millions Of Americans' Wages Seized Over Credit Card And Medical Debt

From ProPublica: Unseen Toll, Wages Of Millions Seized To Pay Past Debts

From ProPublica: Old Debts, Fresh Pain: Weak Laws Offer Debtors Little Protection

If you have firsthand experience being sued over a debt, NPR and ProPublica would love to hear from you. Use this form to send a tip confidentially. A reporter may follow up with you.

This week, NPR and ProPublica are reporting on a striking change in the way debt collectors pursue people in this country. On the heels of the worst recession in generations, 1 in 10 working Americans between the ages of 35 and 44 is getting his or her wages garnished. That means their pay is being docked — often over an old credit card debt, medical bill or student loan.

But just how much money can collectors legally seize from people's wages and bank accounts? The answer is more than you might think.

In about half the states in the country, collectors can seize 25 percent of your paycheck. In all but a handful of states, they can take everything in your bank account.

An Explosion Of Wage Garnishment Cases

In recent years, debt collectors have been filing millions of lawsuits against working Americans that are resulting in wage garnishments. That's according to an analysis by the payroll services company ADP.

Those who fall into this system find their futures determined by laws that consumer advocates say are outdated, overly punitive and out of touch with the financial reality faced by many Americans.

Lawyers and judges involved in these cases say it's common for people who are sued by debt collectors to not show up in court to defend themselves. They say some people seem to just stick their heads in the sand, while others get overwhelmed or just confused by the court documents.

The debtor's absence makes it easier for collectors to garnish wages and seize bank accounts.

The Law's Silence On Bank Seizures

Federal law regulating debt collection is silent on perhaps the most punishing tactic of collectors: It doesn't limit or prohibit them from cleaning out debtors' bank accounts.

State laws, while often more comprehensive, vary significantly. Only a handful, for instance, automatically protect a minimum amount of funds in a debtor's account.

When garnishment protections do exist, the burden is usually on debtors to figure out if and how the laws protect their assets.

"In an awful lot of states, the information that the employee gets is going to be very, very confusing," says William Henning, a law professor at the University of Alabama and chairman of a committee drafting a model state law on wage garnishment.

Back in 1968, when lawmakers passed the landmark Consumer Credit Protection Act, it specifically limited how much of a debtor's pay could be seized. But it made no mention of bank account garnishments. As a result, a collector can't take more than 25 percent of a debtor's paycheck, but if that paycheck is deposited in a bank, all of the funds can be taken.

Carolyn Carter, director of advocacy at the National Consumer Law Center, says the lawmakers didn't address bank seizures because they simply weren't common at the time. In today's collection environment, she said, "the wages that are deposited in a bank account become suddenly much more vulnerable than anyone realized."

Since the late 1960s, debt collection has changed in other ways that lawmakers couldn't have anticipated. Today, buying old debt is an industry in itself. And big debt-buying firms hire teams of lawyers to crank out lawsuit after lawsuit seeking to collect. Carter says it's time for lawmakers at the state and local level to revisit and reform existing laws.

'I Honestly Dread Paydays'

Like any American family living paycheck to paycheck, Conrad Goetzinger and Cassandra Rose hope that if they make the right choices, their $13-an-hour jobs will keep the lights on and put food in the fridge and gas in the car.

But every two weeks, the Omaha, Neb., couple is reminded of a choice they didn't make and can't change: A chunk of both of their paychecks disappears before they see it, seized to pay off old debts.

Twice, debt collectors have scooped every penny out of Goetzinger's bank account and even attempted to take his personal property.

“ It makes you feel hopeless that you're working for no reason and that you're never going to be able to succeed.

- Cassandra Rose

For Goetzinger, 29, it's the consequence of a laptop loan he didn't pay off after high school; for Rose, 33, it's a reminder of more than $20,000 in medical bills racked up while uninsured. The garnishments, totaling about $760 each month, comprise the single largest expense in their budget.

"I honestly dread paydays," Goetzinger says, "because I know it's gone by Saturday afternoon, by the time we go grocery shopping."

On a recent evening after Rose got her 11- and 12-year-old daughters upstairs to bed, the couple explained that the children need dental work. They need some crowns on their teeth. "I don't want my daughter walking around with a big silver tooth," Goetzinger says. "When you have to choose between keeping the power on for the rest of the week and getting teeth done, unfortunately, teeth falls to a lower priority."

Rose puts it this way: "It makes you feel hopeless that you're working for no reason and that you're never going to be able to succeed."

William Reinbrecht, a Nebraska attorney who represents people who are getting their wages garnished, says often there are other debts waiting in line. So when one gets paid off, the next garnishment kicks in.

"It's a little like debtors prison," he says. "It makes a subclass of people that are crushed by all of this, and they can't, no matter how hard they work, improve their economic position."

Are Working-Class Americans Being Asked To Pay Too Much?

For most workers, the unexpected loss of a quarter of their wages would make life difficult. For low-income workers, it can be particularly devastating.

The Consumer Expenditure Survey, produced by the Bureau of Labor Statistics, reports that, for a worker with annual wages between $20,000 and $30,000, the average amount spent on basic costs such as housing, transportation, food and health care is about $26,000. The average income for that population is also about $26,000.

A recent survey by the Federal Reserve asked thousands of consumers whether they could afford an emergency expense of $400. Less than half of respondents said they could without borrowing money or selling something. Nearly 20 percent said they could think of no way they might cover such a cost.

So how did the federal lawmakers in 1968 set 25 percent as the allowable limit for garnishments? Like many laws, it was the result of closed-door compromise.

At the time, House Democrats argued that debtors could often afford to lose very little.

"For a poor man — and whoever heard of the wage of the affluent being attached? — to lose part of his salary often means his family will go without the essentials," argued Rep. Henry Gonzalez of Texas, in a speech on the House floor.

In the end, the House version of the consumer protection bill limited garnishment to 10 percent of income. But the Senate's version didn't limit garnishments at all. When a compromise bill finally emerged from a committee of lawmakers from both houses, the limit was 25 percent. Forty-six years later, that's still the law in more than half of states.

The 1968 law did seek to protect the poorest workers, but did so by setting a standard tied to the minimum wage. Time has eroded what even then was a modest protection. The federal minimum wage in 1968 was $1.60; adjusted for inflation, that's $10.95 in current dollars. With $7.25 the current minimum wage, federal law only protects workers from garnishment if they earn under about $11,310 annually. Even for a wage earner without any dependents, that wage is beneath the poverty line.

The Law Demands That You Pay Your Debts

Robert Foehl, a general counsel for ACA International — a trade association for debt collectors, says collectors play an important role in the economy. And sometimes, he says, "a creditor might have no other avenue for recovering their debt except through a legal process" such as wage garnishment.

In St. Louis, Mo., Associate Circuit Judge Chris McGraugh has presided over many collections cases. He says people will admit, for example, that they ran up a big debt on a credit card and didn't pay it. And the judge says he tells them "the law demands that you pay your debts!"

But at the same time, McGraugh says, he still sees some serious problems.

He says lawyers for debt collectors will sometimes ask for delays or continuance on cases if they see a debtor is taking time off from work to show up in court. They will do that several times over weeks or months until the person finally gives up and doesn't come to court anymore, allowing the debt collector to get a default judgment against the debtor.

McGraugh says he also finds payday loan cases unsettling because the court ends up enforcing a triple-digit interest rate that the person can never escape.

"You're talking about a person who takes out $200 and years later ends up with a $4,000 debt running at an interest of 200 percent." McGraugh says he finds those cases "egregious."

McGraugh says before he became a judge in 2012, he practiced all kinds of law, from car accident injury cases to death penalty defense. And he thought he knew the legal system pretty well.

"I had practiced law for 25 years. I had no idea something like that was occurring, and as such, I don't think most people know that that's occurring and this is allowed to happen," he says.

consumer debt

garnishment

It was an ordinary Friday. Courtney Brown, 24, of Kalamazoo, Mich., was busy looking for a job. "I've applied all kinds of places," she says. "Wal-Mart, Target, Verizon Wireless."

Then she got a strange letter in the mail. " 'We are writing you with good news,' " she reads to me over the phone. " 'We got rid of some of your Everest College debt. ... No one should be forced to mortgage their future for an education.' "

The letter went on to say that her private student loan from a for-profit college, in the amount of $790.05, had just been forgiven outright by something called the Rolling Jubilee.

Since November 2012, Rolling Jubilee has purchased and eradicated about $15 million worth of debt arising from unpaid medical bills. Today, the group announced that it has erased $3.9 million in private student loans, including Courtney Brown's and those of almost 3,000 other students of the for-profit Everest College.

Rolling Jubilee is a project of a group of economic activists called Strike Debt, which formed out of the Occupy Wall Street movement. The group timed today's announcement for the third anniversary of that protest. The word "jubilee" refers to a time decreed in the Bible, every 49th year, when all debts were ritually forgiven, and slaves and prisoners freed.

"Some debts are just, and others are unjust," Thomas Gokey, one of Strike Debt's organizers, says, explaining the group's stance. "Providing affordable, publicly financed, world-class education is a moral debt we are failing to pay."

Rolling Jubilee's tactic takes advantage of a peculiar characteristic of modern debt. When people stop paying, debts become delinquent. The original owner, say a bank, eventually writes the debts off and sells them off at bargain-basement prices to third-party collectors.

Rolling Jubilee has managed to step in instead and buy some of this secondary market debt, using donations raised online — in this case, buying student loan debt for less than 3 cents on the dollar. But instead of trying to collect this debt, the group makes it disappear.

More than 40 million Americans now have some form of student loan debt, totaling an estimated $1.2 trillion. The amount erased by Rolling Jubilee, and the number of students helped, will not make a practical dent in that sum. "It doesn't solve the problem," says Gokey.

Instead, what he and the group's members are trying to do is draw attention to the plight of millions of people with unpaid student loans, especially high-interest private loans from relatively expensive for-profit colleges.

"They're the worst of the worst," says Gokey. The next step, he says, is to organize large numbers of people to press for policy changes that would allow debtors to be released from obligations they can't meet. Currently, student loans are nondischargeable in bankruptcy under most circumstances.

When Brown first got the letter from the Rolling Jubilee, it sounded like "a scam" — too good to be true. "I was in shock," she recalls. But after speaking to Gokey, "it made me feel better."

Brown says she had nearly completed a one-year program to become a dental assistant when Everest College assigned her to an internship in Battle Creek, Mich., about a 30-minute drive from her home.

"I had no transportation to Battle Creek. I asked them to find me a program closer, but with that type of internship you have to go out and find your own. And I didn't have those kinds of connections." As a result, she had to drop out of the program and, unemployed, found herself unable to pay her loans.

The for-profit college industry as a whole has come under increased scrutiny for its disproportionate contributions to the $1.2 trillion in student loan debt. While enrolling about 13 percent of students, who tend to be first-generation working adults, for-profits are responsible for a little under half of student-loan defaulters.

Strike Debt targeted Corinthian Colleges — the company that owns Everest College and two other for-profit college chains — deliberately. As NPR Ed previously reported, Corinthian Colleges is in the process of selling off most of its campuses.

Corinthian was already facing severe financial trouble when the Department of Education placed a hold on financial-aid payments to the company over the summer, because of a failure to satisfy some requests for information.

Corinthian Colleges has some 200 lawsuits pending against it for allegedly fraudulent practices. This includes a case brought by the California attorney general for violations of consumer protection and securities laws.

Yesterday, the Consumer Finance Protection Bureau announced yet another lawsuit against the company, this time for alleged predatory lending. The federal agency seeks relief for borrowers, saying the company misled students about job prospects, pressured them to take out high-interest private loans, and then used aggressive debt-collection tactics.

Company officials have defended their practices.

"Students who continue to study at our schools do so because there is clear, independent evidence that they receive a quality education," Kent Jenkins Jr., a Corinthian spokesman, told NPR Ed. He forwarded the company's official response to the California allegations, which said the complaint "paints a misleading and inaccurate picture of our schools."

Everest College and the other Corinthian colleges aren't officially shutting down. In fact, Everest is still recruiting and enrolling students as it searches for a buyer for its campuses. The decision of the Department of Education to allow most of the campuses to keep operating under new management also means borrowers, not the government or lenders, are still on the hook for those loans.

But not the lucky ones, like Brown. The weekly calls from debt collectors will stop. And, she says, she will soon be able to continue her job search without worrying that a hiring manager will see a ding on her credit report.

"I feel better knowing that it's off," she says. "I feel like I can do something better with myself."

Millions of Americans are still grappling with debt they've accumulated since the recession hit. And new numbers out Monday show many are having a tougher time than you might think.

One in 10 working Americans between the ages of 35 and 44 are getting their wages garnished. That means their pay is being docked — often over an old credit card debt, medical bill or student loan.

That striking figure comes out of a collaboration between NPR and ProPublica. The reporting offers the first available national numbers on wage garnishment.

A 'Roundhouse' Punch

Back in 2009, Kevin Evans was one of millions of Americans blindsided by the recession. He had a 25-year career selling office furniture, but suddenly, companies stopped buying furniture. His income collapsed. He sold his three-bedroom home outside Kansas City that he could no longer afford.

This story was co-reported by NPR and ProPublica, an investigative journalism organization.

In conjunction with these stories, ADP, the nation's largest payroll services provider, has released a report on wage garnishment. It studied 2013 payroll records for 13 million employees at the request of ProPublica. Read the report here.

For more on this story:

From NPR: With Debt Collection, Your Bank Account Could Be At Risk

From ProPublica: Unseen Toll, Wages Of Millions Seized To Pay Past Debts

From ProPublica: Old Debts, Fresh Pain: Weak Laws Offer Debtors Little Protection

If you have first-hand experience being sued over a debt, NPR and ProPublica would love to hear from you. Use this form to send a tip confidentially. A reporter may follow up with you.

For the next several years he worked a string of low-wage jobs: at a lumber yard, at a 24-hour fitness center. He rented a room from a friend. He never collected unemployment. But with a daughter in college and basic living expenses, he ended up with a $7,000 credit card debt that he says he couldn't pay. Evans, 58, had fallen from middle-class life into basic subsistence living.

Then late last year, he found a better-paying, full-time customer service job in Springfield, Mo. Things were finally getting better, until early this year, when he opened his paycheck and found a quarter of it missing. His credit card lender, Capital One, had garnished his wages.

Twice a month, whether he could afford it or not, 25 percent of his pay — the legal limit — would go to his debt, which had ballooned with interest and fees to more than $15,000. "It was a roundhouse from the right that just knocks you down and out," Evans says.

The recession and its aftermath have fueled an explosion of cases like Evans'. Creditors and collectors have pursued struggling cardholders and other debtors in court, securing judgments that allow them to seize a chunk of even meager earnings. The financial blow can be devastating — more than half of U.S. states allow creditors to take a quarter of after-tax wages. But despite the rise in garnishments, the number of Americans affected has remained unknown.

At the request of ProPublica, ADP, the nation's largest payroll services provider, undertook a study of payroll records for 13 million employees. ADP's report, released Monday, shows that among employees in the prime working ages of 35 to 44 who had their wages garnished in 2013, roughly half, unsurprisingly, owed child support. But a sizable number had their earnings docked for consumer debts, such as credit cards, medical bills and student loans.

Your Money

With Debt Collection, Your Bank Account Could Be At Risk

Actually, for workers earning $25,000 to $40,000 a year, more people were garnished for consumer debt than for child support. This marks a dramatic change. In the past, the vast majority of wage garnishments went to secure child support payments or to collect on unpaid taxes. In recent years, though, debt collectors have been filing millions of lawsuits against people for just basic consumer debt: medical bills, student loans and credit card debt.

Extended to the entire population of U.S. employees, ADP's findings indicate that 4 million workers — about 3 percent of all employees — had wages taken for a consumer debt in 2013. People in some geographic regions and income groups had twice that rate of garnishment.

Carolyn Carter of the National Consumer Law Center says these findings are "alarming."

"States and the federal government should look on reforming our wage garnishment laws with some urgency," she says.

The increase in consumer debt seizures is "a big change," largely invisible to researchers because of the lack of data, says Michael Collins, faculty director of the Center for Financial Security at the University of Wisconsin, Madison. The potential financial hardship imposed by these seizures and their sheer number should grab the attention of policymakers, he says. "It is something we should care about."

High Garnishment Rates In The Midwest

ADP's study, the first large-scale look at how many employees are having their wages garnished and why, reveals what has been a hidden burden for working-class families. Wage seizures were most common among middle-aged, blue-collar workers and lower-income employees.

Nearly 5 percent of those earning between $25,000 and $40,000 per year had a portion of their wages diverted to pay down consumer debts alone in 2013, ADP found. More people in that income group were garnished to pay off consumer debt than to pay child support.

Perhaps due to the struggling economy in the region, the rate was highest in the Midwest. There, more than 6 percent of employees earning between $25,000 and $40,000 — 1 in 16 — had wages seized over consumer debt. Employees in the Northeast had the lowest rate. The statistics were not broken down by race.

Currently, debtors' fates depend significantly on where they happen to live. State laws vary widely. Four states — Texas, Pennsylvania, North Carolina and South Carolina — largely prohibit wage garnishment stemming from consumer debt.

Most states, however, allow creditors to seize a quarter of a debtor's wages — the highest rate permitted under federal law. Evans had the misfortune to live in Missouri, which not only allows creditors to seize 25 percent, but also allows them to continue to charge a high interest rate even after a judgment.

A Note About Garnishment In Missouri

Missouri provides a protection for a head of household with dependent children which caps the garnishment rate at 10 percent of a worker's paycheck. But Kevin Evans didn't qualify for that — or even know about it. And the burden is on the debtor to know about such exemptions and ask for a lower garnishment rate. It is legal for debt collectors to seize 25 percent of people's paychecks in Missouri even if they are head of household until the debtor objects and asks for the exemption.

By early 2010, Evans had fallen so far behind that Capital One suspended his card. For months, he made monthly $200 payments toward his $7,000 debt, according to statements reviewed by NPR and ProPublica. But by this time, the payments barely kept pace with the interest piling on at 26 percent. In 2011, when Evans could no longer keep up, Capital One filed suit. Court records show that Evans was served a summons, but he says he didn't understand that the stack of paperwork he received included a summons with a hearing date to appear in court.

If Evans had lived in neighboring Illinois, the interest rate on his debt would have dropped to below 10 percent after his creditor had won a judgment in court. But in Missouri, creditors can continue to add the contractual rate of interest for the life of the debt, so Evans' bill kept mounting. Missouri law also allowed Capital One to tack on a $1,200 attorney fee. Some other states cap such fees to no more than a few hundred dollars.

Evans has involuntarily paid over $6,000 this year on his old debt, an average of about $480 each paycheck, but he still owes more than $10,000. "It's my debt. I want to pay it," Evans says. But "I need to come up with large quantities of money so I don't just keep getting pummeled."

Capital One says in a statement that legal action is always a last resort. The company says it tried to work with Evans but that he was unable to keep up with the payments on a payment plan that he had agreed to.

The Garnishment Process

Companies can also seize funds from a borrower's bank account. There is no data on how frequently this happens, even though it is a common recourse for collectors. Among the people interviewed by NPR and ProPublica who were having their wages garnished, more often than not, debt collectors had also made attempts to seize money from their bank accounts. Some people we interviewed say they had stopped keeping money in banks as a result.

Guilty And Charged

As Court Fees Rise, The Poor Are Paying The Price

The garnishment process for most debts begins in local courts. A company can file suit as soon as a few months after a debtor falls behind. A ProPublica review of court records in eight states shows the bulk of lawsuits are filed by just a few types of creditors and companies. Besides major credit card lenders such as Capital One, medical debt is a major source of such suits. High-cost lenders who deal in payday and installment loans also file suits by the thousands. And finally, an outsized portion comes from debt buyers — companies that purchase mostly unpaid credit card bills.

When these creditors and collectors go to court, they are almost always represented by an attorney. Defendants — usually in tough financial straits or unfamiliar with the court system — almost never are.

In Clay County, Mo., where Capital One brought its suit against Evans in 2011, only 7 percent of defendants in debt collection cases have their own attorneys, according to ProPublica's review of state court data. Often the debtors don't show up to court at all: The most common outcome of a debt collection lawsuit in Missouri (and any other state) is a judgment by default.

Millions of debt collection lawsuits are filed every year in local courts. In 2011, for instance, the year Capital One went to court against Evans, more than 100,000 such suits were filed in Missouri alone.

Despite these numbers, creditors and debt collectors say they only pursue lawsuits and garnishments against consumers after other collection attempts fail. "Litigation is a very high-cost mechanism for trying to collect a debt," says Rob Foehl, general counsel at the Association of Credit and Collection Professionals. "It's really only a small percentage of outstanding debts that go through the process."

Experts in garnishment say they've seen a clear shift in the type of debts that are pursued. A decade ago, child support accounted for the overwhelming majority of pay seizures, said Amy Bryant, a consultant who advises employers on payroll issues and has written a book on garnishment laws.

"The emphasis is now on creditor garnishments," she says.

Bryant also says the rise in garnishments has become an unanticipated burden for employers.

"It becomes very complicated," she says, particularly for national employers who must navigate the differences in state laws. "It's very easy to make a mistake in the process." If an employer does not correctly handle a garnishment order, she says, it can become liable for a portion or even the entirety of the debt in some states.

The burden was enough to prompt the American Payroll Association to request in 2011 that the Uniform Law Commission draft a model state law on wage garnishment. Bryant said employers are hoping that the new law, which is still being drafted, will be adopted by a large number of states and reduce complications.

What's it like for a family trying to live on wages reduced by old debts? On Tuesday, NPR and ProPublica will examine how much creditors and debt collectors are allowed to take from debtors' wages and bank accounts, and how it impacts their lives.

If you have first-hand experience being sued over a debt, NPR and ProPublica would love to hear from you. Use this form to send a tip confidentially. A reporter may follow up with you.

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