Contact

Use the form below, or write to zykoadministracion@gmail.com directly. We read everything.

    We answer questions about this site, its sources and its arithmetic. We cannot advise you on your own debt — see the note below the form.

    Do not send account numbers, your Social Security number or any other financial detail. We do not need them and we will delete them.

    What we can help with

    • Corrections. If a number or a statement of law on this site is wrong, tell us which article and what is wrong. We correct it and note the correction.
    • Sources. If you want the primary source behind a figure, ask. Every calculation here is reproducible and we will show the working.
    • Press and permissions. Requests to quote or reference our material.
    • Privacy requests. Access, correction or deletion of your data, as set out in our Privacy Policy.

    What we cannot help with

    We cannot tell you what to do about your own debt. We are not financial advisers, credit counselors or attorneys, and answering an individual case would be exactly that. If you need personal help, two starting points that are usually free:

    • A nonprofit credit counselor accredited by the NFCC, or a member of AFCPE.
    • A consultation with a bankruptcy attorney. Most offer the first one at no cost.

    If you are being sued over a debt, do not wait for us. Respond to the summons within the deadline printed on it. Missing that deadline is how a disputable debt becomes a judgment.