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Ben Jackson

Ben Jackson

Upsolve Co-founder

Ben Jackson co-founded Upsolve after his own experience navigating $60,000 of crippling debt and finding freedom through bankruptcy. That journey opened his eyes to how inaccessible and confusing the bankruptcy process was for millions of Americans who needed a fresh start. Motivated by the belief that everyone deserves a second chance, Ben set out to build a tool that simplifies bankruptcy, making it easier for individuals to escape debt and rebuild their financial lives. Along the way, he earned a certificate in Legal Tech and Innovation, fellowships from Equal Justice America and The Kent Justice Foundation, and a law degree from the Chicago-Kent College of Law. His personal story of overcoming financial hardship drives his mission to empower others to achieve the same freedom.


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Articles written by Ben Jackson

How To Answer an Alabama Debt Collection Court Summons

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 15, 2026

Answering a debt lawsuit is easier than you might think! You simply need to fill out an official court answer form, tell the court why you disagree with the lawsuit, and file the paperwork with the court. Then, you have to send a copy of your answer form to the person suing you. Finally, wait to get notice from the court about next steps. If you contest the lawsuit, the court will schedule a hearing date to hear both sides of the case.

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How To Deal With Resurgent Capital Services

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 15, 2026

Resurgent Capital Services is a legitimate debt collection agency that collects past-due credit card bills, medical bills, and other consumer debt. The first thing you should do if Resurgent contacts you is verify the amount of the alleged debt and that it actually belongs to you. After confirming the debt is yours, you can choose how to address the situation. If you disagree with any details of the debt, you can dispute it. If you agree that you owe it, you can pay it in full or try to negotiate a debt settlement to pay a reduced portion of the debt.

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Your Guide to Arizona’s Debt Collection Laws

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 14, 2026

In Arizona, most debt collectors must follow regulations set out in state and federal law. These laws were designed to increase transparency and fairness in the debt collection process. Arizona state law mirrors the many protections set out in the federal Fair Debt Collection Practices Act (FDCPA), which prohibits third-party debt collectors from harassing or deceiving you. If debt collectors violate the law, you can report them and sometimes even sue them for damages. The statute of limitations for credit card debt and medical debt is six years in Arizona.

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How To Win Against Northstar Location Services

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 14, 2026

Northstar Location Services is a debt collection agency. If they reach out to you, you need to take action. Start by validating the debt they claim you owe. If the debt is accurate and you agree you owe it, consider negotiating a debt settlement to pay only a portion of the full amount. If Northstar sues you, respond immediately by filing an answer form. You don’t have to hire a lawyer to respond to the lawsuit.

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Can Bankruptcy Stop a Lawsuit?

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 14, 2026

You can file for bankruptcy even after being served with a lawsuit or having a judgment entered against you. Bankruptcy offers a way to manage overwhelming debt and protect yourself from further legal action. Once you file, most lawsuits are paused through an automatic stay. This process can provide the relief and fresh financial start you need.

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How To Answer a Michigan Court Summons for Debt Collection

Written by Ben JacksonLegally reviewed by Attorney Tina Tran
Updated March 15, 2026

 If you receive a court summons in Michigan, you will need to respond within 21 days (if you’re served in Michigan) or 28 days (if you’re served outside the state). To respond, you’ll need to file a written answer with the court named in the summons and complaint documents that notified you of the lawsuit. Be sure to make multiple copies of your answer form and to deliver a copy to the plaintiff (the person or company suing you). Finally, you’ll need to complete a certificate of service form after serving the plaintiff.

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How To Answer a Wisconsin Debt Collection Court Summons

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 14, 2026

 If you get a summons and complaint notifying you of a debt collection lawsuit against you in Wisconsin, your case will be heard in small claims court if it’s for $10,000 or less. If you want to dispute the claims against you, you need to respond to the lawsuit. In some counties, this means filing a written answer using a court-provided form. In other counties, it means showing up at a court hearing. Even if you aren’t required to file a written answer, reading this article can help you understand how to read court paperwork and prepare to present your side of the story.

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Wage Garnishment in Tennessee

Written by Ben JacksonLegally reviewed by Attorney Andrea Wimmer
Updated March 14, 2026

Wage garnishment in Tennessee allows a creditor to take money directly from your paycheck to repay a debt, but most creditors must first sue you and get a court judgment. After that, the court can issue a garnishment order, which tells your employer to withhold part of your pay. Both federal and Tennessee laws limit how much can be taken and offer some extra protection if you have dependent children.

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How To Respond To a Court Summons for Debt Collection in Ohio

Written by Ben JacksonLegally reviewed by Jonathan Petts
Updated March 14, 2026

If a debt collector brings a lawsuit against you in Ohio, you’ll get a summons and complaint. These documents inform you of who is suing you and which courthouse is dealing with your case. It’s important to reply by the deadline so you don’t lose the case. Replying requires you to fill out an answer form and certificate of service. You’ll file both of these with the court and send a copy of the answer form to the opposing party. The court will follow up with information about a potential hearing, arbitration, or mediation to resolve the case.

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How To Respond to a Colorado Debt Collection Court Summons

Written by Ben JacksonLegally reviewed by Attorney Tina Tran
Updated March 14, 2026

 If you’re sued by a debt collector in Colorado, you’ll receive a summons and complaint. These official documents inform you of the lawsuit against you and the deadline you have to respond. You’ll also receive a blank answer form where you can write your response to the court, including any defenses you have. Then you sign the form and make copies. You’ll file one copy with the court clerk, send one via mail to the person suing you, and keep one for your records.

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Y-Combinator

Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families eliminate their debt and fix their credit with our free bankruptcy tool. Our team includes debt experts and engineers who care deeply about making the financial system accessible to everyone. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.