Member Guide - Getting Started


When you join the Debt Collective you will be placed into a group based on your debt
type. We call these groups 'collectives.'

You will be able to meet other people in your situation to share information and learn how to fight back together against creditors and collectors. As a member, you will also have access our series of debt dispute tools. Our organizing team is available to support you every step of the way. You are not a loan! Below is a description of our collectives. If you don't have debt or have a special skill to offer, you will be placed in our solidarity bloc.

Our Collectives

The Auto Loans Collective is for anyone who went into debt to buy or lease a car.

A car is not a luxury item! It is a requirement for most people. We are people from across the country and from a variety of backgrounds working together to plan actions, to develop debt resistance campaigns and to launch coordinated strikes against the auto lending industry and related entities.

The Credit Card Collective is for anyone who has credit card debt.

Members of this collective are fighting back against the idea that people use credit cards to buy luxury items and to behave irresponsibly. For millions of people, credit cards are a lifeline to help compensate for low wages and the high cost of things like healthcare.

The Fines and Fees Collective is for anyone who is in debt to a local court system or probation company.

It is wrong that local court systems target poor people, disproportionately black and brown, and load them up with debt. Members of this collective are from all parts of the country and from diverse backgrounds. A common belief unites us: court fines and fees must end!

The For-Profit College Collective is for anyone who is in debt after attending a for-profit college.

The founding members of this collective launched the first debt strike in US history and filed the first Defense to Repayment claims, starting in 2015. This collective has already won over $1 billion in debt relief - and counting.

The Housing Debt Collective is for anyone who went into debt for a place to live.

Everyone needs a place to live. Housing is a human right. Members of this collective are working together to plan actions, to develop campaigns and to launch coordinated strikes against mortgage lenders, servicers, and others.

The Medical Debt Collective is for anyone who went into debt for health care.

It is wrong that 62 percent of personal bankruptcies in the U.S. are linked to medical debt. It is wrong that millions do not have access to healthcare. Members of this collective are working together to plan actions and campaigns and to launch coordinated strikes towards the goal of winning medicare for all.

The Payday Loan Collective is for anybody in debt to a payday lender or check cashing company.

Debt has isolated us and made us feel alone and ashamed. Members of this collective have come out of the shadows to fight back as individuals and as a group. A basic standard of living is a right! This group is working together to share information as well as plan actions and campaigns against predatory lenders.

The Solidarity Bloc is for anyone organizing in solidarity with people in debt.

Members of this group organize in solidarity with those who are struggling under the weight of indebtedness for simply trying to access basic needs like healthcare, education and housing.

The Student Debt Collective is for anyone who is in debt after attending a college or university.

Former and current college students are joining with others in our situation to fight back against student loan creditors, servicers and the federal government. Members of this collective are from across the country and from a variety of backgrounds. They are working together to plan actions, to develop debt resistance campaigns and to launch strikes. The 2020 strike campaign is live here:

Here is some basic technical info about our community.

  1. Basic Terms Used
  2. Browsing the Forum
  3. Navigation Tools
  4. Reading Topics
  5. Taking Part in Conversations
  6. Actions and Reactions
  7. Notifications

1. Basic Terms Used (Nomenclature)

Here are some very basic terms that will be helpful to keep in mind:
  • Topic:
    The collection of messages grouped together in a meaningful conversation, with a title, listed in a category, beginning with an Original Post, and including all replies in chronological order.

    Elsewhere this might be called a ‘thread’ but we use ‘topic’ since thread is used for linked elements that can go off in many different directions (and be confused with programming terms).

  • Post:
    Each element of a topic is referred to as a post. Each post has its own author and can be moved to a different topic if necessary, or even become the start of a new topic.

  • Original Post (or OP):
    The first post in any topic. This is key since it determines the focus of the topic and is what the title and tags will link to.

  • Category:
    The primary means of organizing topics. Each topic is placed in exactly one category. Categories have permissions which can restrict which users can create, reply, and see its topics. You can also configure notification preferences per category or even mute them as explained below. Categories are a similar concept to a ‘forum’ on other sites.

  • Tag:
    A marker placed on a topic to describe it. While a topic can only have one category, it can have multiple tags. New tags can be created by some users. You can read more about the differences between tags and categories.

  • User:
    This site requires to have an account in order to create posts and record any actions such as bookmarking, liking, tagging and flagging. Most site activity, therefore, is based around registered Users

2. Browsing the Forum

Topic lists

By default, the homepage will show all Latest conversations in the community but you can filter this list in a number of ways:

  • By category: in the menu line, click the ‘all categories’ title and a list of all the categories appears.

  • By tag: in the menu line, click the ‘all tags’ title and a list of all the tags are used will appear.

  • By level of activity: if you click on ‘Top’ the conversation topics will be listed in order of most activity (views and replies) for a specific time period. You can choose whether this is for all time, or select a specific period such as quarter, month, week or just today.

  • By what’s ‘New’ to you: by default, new topics are those created in the last 2 days that you have not opened yet to keep the list fresh and relevant. New topics show a small blue dot next to the topic title


  • By what topics are “Unread”: by default, unread topics are those that you have previously opened and read for at least 4 minutes, and that have new posts (replies) submitted to them. Unread topics show a number in a blue circle indicating how many new posts are in the topic.


See who is participating

There are several ways to see who is involved in topics.


On the homepage you will see a selection of avatars (profile pictures) of:

  • the user who started the topic (always the first photo);
  • a selection of the most active participants;
  • and, who created the most recent post (usually the last photo).
  • in some cases, the first photo has a blue border or blue halo to indicate that the original poster is also the most recent poster

The box at the bottom of the OP tells you; who created the post and when, gives a count of the replies and views in this topic to date, a display of the avatars of the most frequent participants, popular links and other information about the post.

3. Navigation Tools

  • For Search, the Menu, or your User page, use the icon buttons at the upper right .


4. Reading Topics

A healthy community needs members to be posting new content, but this activity is not everything. Readers are the true indicators of how healthy the community is. What’s the point of posts that no-one reads? The community encourages and tracks reading habits so community managers can keep a healthy balance.

Keep scrolling

Click a topic title and read down the list of replies in chronological order, following links or previewing replies and quotes as you go. Use your mouse to scroll the screen, or use the timeline scroll bar on the right which also shows you how far through the conversation you’ve read. On smaller screens, select the bottom progress bar to expand it.

Jump back in

  • Selecting a topic title will take you to your last read post in the topic. To enter at the top ↑ or bottom ↓ instead, click the reply count or last reply date.


  • Topics above the light red line on a list are new or updated since your last visit. If you have read all the way to the end of a topic, the title will be light grey instead of black.


Sometimes conversations are clearer if topics are split, where posts are moved to a more appropriate topic, or two related topics are merged. If a post is moved, a link will appear that will allow readers to jump to that comment wherever it has been moved to, and the person who posted it will also be notified.


At the end of the OP you will also see lists of related topics that link to the one you are reading

5. Taking Part in Conversations


Press any image Reply button to open the editor panel at the bottom of your browser. You can continue reading (and even search or navigate to different topics) while you compose your reply.

The community shows all posts in the order they are published. It does not make you chase down multiple threaded paths. However, it still gives you lots of ways to follow the context of conversations.

To reply to a specific post in a topic, clicking the grey Reply button at the end of each post and your reply is linked to that post.

  • If your reply is the next one published after the post you are replying to, this will appear next in chronological order
  • If yours is NOT next, then two things happen after your post is published:
    • Your post will include a new link in its header with an image to show what this is ‘in reply to’ - clicking this link displays that previous post for context next to your reply
    • The original post includes a count of replies at the bottom - clicking this link displays the content of the replies



Drafts will automatically be saved as you write. If you minimise the editor or navigate to a different topic, the editor might disappear. To open a draft, return to the topic you were replying to or click the highlighted bar at the bottom of your browser, and the editor will reappear with your draft.


To insert a quote, select the text you wish to quote, then press the Quote button that pops up. There is no need to quote the a whole message, it helps to be specific. Repeat this for multiple quotes even from different posts and different users. The quoted text will point to their original source.



To notify someone about your reply, mention their name. Type @ to begin selecting a username. This search will also search the name fields in case you don’t know a particular username.



To use standard Emoji, just type : to match by name, or traditional smileys ;)


Alternatively, click on more to see a complete list of emoji to select from.

Oneboxes (Link Previews)

Read details about this feature in: Rich link previews with Onebox - faq - Discourse Meta

To generate a summary for a link, paste it on a line by itself. To start a topic with a link, paste the link into the title field.



Your reply can be formatted using simple HTML, BBCode, or Markdown:

This is <b>bold</b>.
This is [b]bold[/b].
This is **bold**.

For more formatting tips, try our 10 minute tutorial.

6. Actions and Reactions

There are action buttons at the bottom of each post:


  • To let someone know that you enjoyed and appreciated their post, use the like button. Share the love!

  • Grab a copy-pasteable (permalink) link to any reply or topic via the link button.

  • Use the button to reveal more actions. Flag to privately let the author, or the site staff, know about a problem. Bookmark to find this post later on your profile page.

7. Notifications

When someone is talking directly to you — by replying to you, quoting your post, mentioning your @username , or even linking to your post, a blue number will immediately appear over your profile picture at the top right.

When you have been sent a Personal Message you will receive this in your Inbox and a green number will appear over your profile picture to the left.

Click your profile image to scroll through all your notifications .


You can optionally receive all these notifications as push notifications to your desktop browser or Android device. Simply allow the site to send you notifications through your browser when it asks permission.

Don’t worry about missing a reply – you’ll be emailed any notifications that arrive when you are away.

If you want, you can get notified about other things happening on the site as well, either at the category or topic level.

Topic notifications

You can change your notification level for any individual topic via the notification control at the bottom, and right-hand side, of each topic.


Category notifications

Notification level can also be set per category. To change any of these defaults, see your user preferences, or visit the category page, and use the notification control above the topic list, on the right side.


1 Like