Latest Update: As of July 14, 2026, the most significant confirmed development across the Walgreens litigation landscape is the $100 million Prescription Savings Club settlement (Russo et al. v. Walgreen Co., N.D. Ill.). On March 31, 2026, Judge Edmond E. Chang entered judgment granting final approval to the deal. The settlement administrator, A.B. Data, is now processing claims and reaching out to class members whose submissions were flagged as deficient. No payments have gone out yet — the settlement terms require the judgment to become fully final, which typically means waiting out the 30-day window for a possible appeal before distribution can begin. The claim filing deadline has already passed, and no new claims are being accepted.
Last updated: July 2026
Walgreens is facing not one but several major class action lawsuits covering everything from opioid distribution to prescription overcharges to COVID test fraud. If you’ve filled a prescription, bought a COVID test kit, or used Walgreens pharmacy services in the last decade, you may have a stake in one of these cases.
The numbers are significant. One opioid-related settlement alone reached $4.95 billion spread across multiple defendants, and Walgreens has been named directly in multiple state and federal actions.
This guide breaks down every active and recently settled Walgreens lawsuit, who qualifies, how much claimants can expect to receive, and when payments are scheduled to arrive. No legal jargon. No runaround.
Read on to get the answers the other sites won’t give you.
What Is the Walgreens Class Action Lawsuit?
The Walgreens class action lawsuit is not a single case. It’s a collection of legal actions filed against Walgreens by consumers, state governments, and federal agencies over a range of alleged harms.
These cases share a common thread: Walgreens allegedly put profits ahead of customers and communities. The specific allegations vary by case, but they include opioid over-dispensing, prescription pricing fraud, COVID test kit misrepresentation, and consumer deception.
Class action lawsuits group many individual claims into one legal action. This matters because individual customers often lack the resources to sue a corporation like Walgreens alone.
| Case Type | Status | Geographic Scope |
|---|---|---|
| Opioid Distribution Liability | Settled (partial) | Nationwide / State-by-State |
| Prescription Overcharge Fraud | Active / Pending | Multiple States |
| COVID Test Kit Fraud | Active / Pending | Nationwide |
| Pharmacy Benefit Manager Abuse | Under Investigation / Litigation | Federal + State Level |
| Consumer Fraud / False Advertising | Active | Multiple States |
Each of these cases operates under its own rules, timelines, and eligibility requirements.
Is Walgreens Being Sued Right Now?
Yes. Walgreens is currently named as a defendant in multiple active lawsuits as of 2025.
The company faces ongoing federal litigation, state attorney general actions, and private class action suits filed by consumers. The legal pressure has not let up since the opioid crisis spotlight first landed on pharmacy chains in the late 2010s.
In November 2022, a federal judge in San Francisco found Walgreens liable for contributing to the opioid epidemic in San Francisco County. That ruling was a turning point. It signaled that pharmacies, not just drug manufacturers, bear legal responsibility for the crisis.
Since then, new lawsuits have continued to pile on. States including Florida, Illinois, and California have filed or joined actions against Walgreens separately from the national MDL proceedings.
Walgreens has also faced scrutiny from the Federal Trade Commission related to pharmacy benefit manager practices, adding a regulatory dimension on top of the civil litigation landscape.
The Walgreens Opioid Lawsuit Explained
The Walgreens opioid lawsuit is one of the most significant pharmaceutical liability cases in U.S. history. Walgreens, along with CVS and Walmart, was found to have flooded communities with prescription opioids without adequate safeguards.
The central allegation: Walgreens pharmacists filled millions of suspicious opioid prescriptions they should have flagged or refused. This contributed directly to addiction, overdose deaths, and community-wide harm.
In 2022, a federal judge ruled in favor of two Ohio counties, Lake and Trumbull, ordering pharmacy chains to pay $650.9 million combined. Walgreens’ share of similar negotiated settlements has been structured as multi-year payments to state and local governments.
| Lawsuit Detail | Information |
|---|---|
| Court | U.S. District Court, Northern District of Ohio (MDL 2804) |
| Key Finding | Walgreens dispensed opioids without adequate oversight |
| Settlement Framework | State-by-state distributions negotiated separately |
| Funds Usage | Opioid treatment, recovery services, prevention programs |
| Walgreens’ Agreed Contribution | Approximately $5.7 billion across multiple settlements |
Most of the opioid settlement money goes to state and local governments, not directly to individual consumers. However, some states have created programs for affected individuals to access funds.
Key Takeaway: Walgreens is currently named in multiple active lawsuits, and its opioid liability alone has already resulted in billions in settlements paid to governments, not necessarily directly to individuals.
Walgreens Prescription Overcharge Lawsuit Details
The Walgreens prescription overcharge lawsuit centers on allegations that the company charged customers and insurance plans more than it should have.
Specifically, the claim involves Walgreens’ Prescription Savings Club (PSC), a membership program offering discounted drug prices. Plaintiffs allege Walgreens reported inflated “usual and customary” prices to insurers and government programs like Medicaid while charging PSC members far less at the register.
This gap, between the real price and the reported price, allegedly caused insurance companies and federal health programs to overpay. Customers with co-pays tied to the reported price also overpaid.
| Detail | Information |
|---|---|
| Allegation | Reporting inflated drug prices to insurers and Medicare/Medicaid |
| Programs Affected | Medicare Part D, Medicaid, private insurance |
| DOJ Involvement | Department of Justice joined related federal claims |
| Settlement Amount | Walgreens paid approximately $269.2 million in one DOJ settlement |
| Consumer Impact | Customers overpaid co-pays based on inflated pricing |
The $269.2 million DOJ settlement from 2019 was one part of the resolution. But follow-on private class actions continue to work through the courts, seeking restitution for affected insured customers.
Walgreens COVID Test Lawsuit: What Happened?
The Walgreens COVID test lawsuit involves allegations that the company sold, promoted, and marketed COVID-19 rapid antigen test kits under conditions that were misleading to consumers.
The core complaint: consumers allege Walgreens sold tests that were defective, expired, or improperly stored. Some suits allege Walgreens misrepresented the reliability and accuracy of the tests it sold during the height of the pandemic.
Additional claims allege price gouging during the COVID-19 public health emergency, when demand for test kits far exceeded supply.
| Detail | Information |
|---|---|
| Product at Issue | COVID-19 rapid antigen home test kits |
| Core Allegation | Defective tests, misleading accuracy claims, price gouging |
| Litigation Status | Active class actions filed in multiple federal districts |
| Affected Period | 2020 through 2022 primarily |
| Potential Claimants | Consumers who purchased COVID test kits at Walgreens stores |
If you bought a COVID test kit at Walgreens between 2020 and 2022 and received inaccurate results or paid inflated prices, you may be a potential class member in these cases. Watch for formal claim filing notices as litigation progresses.
The Walgreens Pharmacy Benefit Manager Lawsuit
The Walgreens pharmacy benefit manager (PBM) lawsuit is one of the more complex cases in the current litigation pile, but it matters enormously to millions of prescription drug users.
Walgreens, through its relationship with PBMs like Express Scripts and OptumRx, allegedly participated in a system that artificially inflated drug prices while collecting rebates behind the scenes. Patients paid more. Insurers paid more. The PBMs and pharmacy chains profited.
The Federal Trade Commission released a scathing report in 2024 detailing how the largest PBMs, including those with Walgreens relationships, manipulated drug pricing. That report has fueled new lawsuits.
| Party | Role in Allegations |
|---|---|
| Walgreens | Participated in price inflation through PBM agreements |
| Express Scripts | PBM accused of rebate manipulation |
| OptumRx | PBM cited in FTC investigation |
| Patients | Paid inflated out-of-pocket costs |
| Employers / Insurers | Overpaid for prescription drug coverage |
This litigation is in its earlier stages compared to the opioid cases. Settlements, if they materialize, are likely still two to four years away for most plaintiffs.
Key Takeaway: The prescription overcharge, COVID test, and pharmacy benefit manager lawsuits are all distinct cases with separate eligibility rules, meaning you might qualify for more than one claim at the same time.
Walgreens Consumer Fraud Lawsuit Breakdown
The Walgreens consumer fraud lawsuits cover a broad range of alleged deceptions aimed directly at retail customers.
One major category involves misleading labeling and marketing of Walgreens-brand (store brand) products, particularly health supplements and over-the-counter medications. Plaintiffs allege Walgreens made efficacy claims its products could not back up.
Another category involves loyalty program manipulation, where customers were allegedly misled about reward point values, expiration terms, and redemption rules under the myWalgreens program.
These are not small isolated complaints. They represent patterns of conduct alleged across millions of transactions.
| Fraud Category | Allegation | Approximate Cases Filed |
|---|---|---|
| Store Brand Misrepresentation | False health claims on OTC products | Multiple state filings |
| Loyalty Program Fraud | Misleading reward terms | Class actions in multiple states |
| Pharmacy Pricing Transparency | Failure to disclose lower available prices | Active FTC-related complaints |
Consumer fraud lawsuits are often the most accessible for everyday Walgreens shoppers, because you don’t need to prove physical harm. You need to show you were misled and spent money as a result.
Walgreens False Advertising Lawsuit Claims
The Walgreens false advertising lawsuit claims overlap with consumer fraud allegations but focus specifically on advertising representations.
Plaintiffs in these cases allege Walgreens ran advertising campaigns that made specific promises about product quality, savings, prescription accuracy, and health outcomes that were not true.
One area under scrutiny: Walgreens advertised its pharmacists as providing a higher level of care and counseling than standard pharmacies. Plaintiffs allege these were marketing claims not supported by actual pharmacist practice.
A related area involves advertised sale prices and “compare at” pricing, where the original reference price was allegedly fabricated to make discounts look bigger than they actually were.
| Claim Type | What Was Alleged | Legal Theory |
|---|---|---|
| Pharmacist Care Claims | Overstated level of professional counseling | False advertising / UDAP violations |
| Compare-At Pricing | Inflated reference prices on sale tags | State consumer protection law violations |
| Product Efficacy | Unsubstantiated health claims on store brands | FTC Act violations |
State consumer protection laws, often called UDAP statutes (Unfair and Deceptive Acts and Practices), vary by state. Your ability to collect damages from these claims depends heavily on which state you live in.
Who Qualifies for the Walgreens Lawsuit?
Who qualifies for the Walgreens lawsuit depends entirely on which specific case you’re looking at, but there are general patterns across most claims.
For opioid-related cases, individual consumers generally don’t receive direct payments. The money flows to state and local governments to fund addiction treatment programs. If you lost a family member or suffered addiction, check whether your state has a victim compensation program funded by these settlements.
For prescription overcharge cases, qualifying customers typically must have filled prescriptions at Walgreens between specific date ranges and paid co-pays or out-of-pocket costs tied to inflated pricing.
| Lawsuit Type | Who Generally Qualifies | Required Proof |
|---|---|---|
| Opioid Lawsuits | State/local governments; some victim funds | Documented harm in affected communities |
| Prescription Overcharge | Insured customers who paid co-pays at Walgreens | Purchase records, insurance statements |
| COVID Test Lawsuits | Consumers who bought COVID tests at Walgreens 2020-2022 | Receipt or purchase record |
| Consumer Fraud | Customers who bought misrepresented store brand products | Purchase evidence |
| False Advertising | Customers misled by advertised pricing or claims | Purchase record |
The easiest place to start is with prescription overcharge and consumer fraud cases, where eligibility is broadest and documentation requirements are most achievable for ordinary customers.
Key Takeaway: Eligibility varies by lawsuit type, and individual consumers have the best direct payout opportunities in the prescription overcharge, COVID test, and consumer fraud cases rather than the opioid cases.
Walgreens Class Action Lawsuit Eligibility Requirements
Walgreens class action lawsuit eligibility requirements typically center on four factors: what you purchased, where you purchased it, when you purchased it, and what harm resulted.
Think of it like a Venn diagram. You need to land in the overlap between the time period covered by the lawsuit, the specific product or service at issue, and the geographic scope of the case.
Here’s a general eligibility checklist across the most consumer-accessible cases:
Prescription Overcharge Case:
- Filled one or more prescriptions at Walgreens between 2006 and 2019 (date range varies by case)
- Were insured through Medicare, Medicaid, or private insurance
- Paid a co-pay or out-of-pocket cost based on Walgreens’ reported pricing
COVID Test Case:
- Purchased a COVID-19 rapid antigen test kit at a Walgreens retail location
- Purchase occurred between 2020 and 2022
- Received a test that produced inaccurate results OR paid a price higher than advertised
Consumer Fraud / False Advertising:
- Purchased a Walgreens-brand health product based on claims made on packaging or in advertising
- Product failed to perform as advertised
- You suffered financial harm as a result (even if small)
Documentation helps but is not always required at the initial claim stage. Many settlements allow class members to submit claims with basic attestations when exact records are unavailable.
Walgreens Settlement Amount Per Person: What to Expect
The Walgreens settlement amount per person varies widely depending on the case type and how many class members file claims.
The more people who file, the smaller each individual share gets. That’s how class action math works. Think of it like splitting a pizza: the same pie, more slices, smaller portions.
For consumer-level claims, here are the general payout ranges based on comparable class action settlements in pharmacy and retail fraud cases:
| Claim Type | Estimated Individual Payout Range | Basis for Estimate |
|---|---|---|
| Prescription Overcharge | $20 to $500 per claimant | Based on co-pay overpayments |
| COVID Test Kit Fraud | $10 to $75 per test kit purchased | Based on purchase price and harm |
| Consumer Fraud (store brands) | $5 to $50 per product purchased | Common retail fraud settlement range |
| False Advertising | $10 to $100 per affected transaction | State UDAP damages |
These are estimates based on comparable settled cases. Individual payouts for prescription overcharge cases with documented heavy use may reach higher tiers.
Bold fact: In some prescription fraud class actions against pharmacy chains, top-tier claimants with extensive documented purchases have received payouts exceeding $1,000, though this requires strong documentation.
Walgreens Settlement Payout: How Much Could You Get?
The total Walgreens settlement payout across all cases is substantial, but individual checks are far more modest for most claimants.
Here’s the honest picture: class action settlements in consumer fraud cases typically result in small per-person payouts. The bigger money goes to attorneys in the form of fees (usually 25 to 33% of the total fund) and to high-documentation claimants.
However, the opioid settlement funds are a different story. Walgreens committed approximately $4.95 billion as part of the broader pharmacy chain opioid settlements. That money is earmarked for state-administered programs.
| Settlement Fund | Estimated Total Value | Who Receives It |
|---|---|---|
| Opioid Settlement (multi-state) | Up to $4.95 billion | State/local governments |
| DOJ Prescription Fraud Settlement | $269.2 million | Federal programs / Consumers |
| COVID Test Litigation (pending) | TBD | Individual consumers |
| Consumer Fraud Cases (pending) | TBD | Individual consumers |
Your payout potential is highest if you have documented prescription records showing co-pay overcharges over multiple years. That’s where individual compensation in the $200 to $500 range becomes realistic.
Key Takeaway: Total Walgreens settlement funds across all cases reach into the billions, but individual consumer checks will likely range from modest two-digit sums to a few hundred dollars depending on documentation and claim type.
The Walgreens Lawsuit Settlement: Current Status
The Walgreens lawsuit settlement status differs across cases, and this distinction matters a lot if you’re waiting for a check.
Some cases are fully settled and in the distribution phase. Others are still being litigated, meaning no settlement exists yet and a check could be years away. Still others are in settlement negotiations, which could move quickly or stall indefinitely.
Here’s the current breakdown as of 2025:
| Case | Settlement Status | What It Means for You |
|---|---|---|
| Opioid MDL (Ohio) | Mostly settled; distribution ongoing | Government funds being allocated; individual victim funds may be available by state |
| DOJ Prescription Fraud | Settled (2019) | Resolved; related private class actions still pending |
| COVID Test Litigation | Active; no settlement yet | File claim when settlement is reached |
| PBM Lawsuit | Early stage litigation | No settlement imminent |
| Consumer Fraud / False Advertising | Varies by state; some near settlement | Watch for class notice in your state |
When a settlement is proposed, the court must approve it before anyone gets paid. That approval process can take six to eighteen months from the time a settlement is announced.
Walgreens Settlement 2025: What’s Happening This Year
The Walgreens settlement 2025 picture is one of ongoing activity rather than a clean resolution. Multiple threads are moving at the same time.
Opioid-related distributions to states are continuing. Some states are still working through their internal allocation processes, deciding how much goes to addiction treatment versus law enforcement versus victim services.
On the private consumer class action front, 2025 is expected to bring settlement negotiations to a more active phase in both the prescription overcharge follow-on cases and some of the consumer fraud cases.
Key 2025 developments to watch:
- FTC action on PBM practices: The FTC’s 2024 report is expected to trigger formal enforcement actions in 2025, which could accelerate related class actions.
- COVID test litigation: Several cases are moving through discovery, which typically precedes settlement talks by six to twelve months.
- State consumer fraud cases: Illinois, California, and New York have been particularly active in pursuing Walgreens-related consumer protection cases.
If you believe you have a qualifying claim, 2025 is the year to get organized. Waiting until settlements are formally announced often means missing early claim windows.
Walgreens Settlement Check Date: When Will You Get Paid?
The Walgreens settlement check date depends entirely on which case you’re in and where that case stands in the legal process.
There is no single universal check date. That’s the honest answer no other site wants to give you, because it’s less satisfying than a specific date. But knowing the real timeline helps you plan.
Here’s how the payout timeline works in a typical class action settlement:
| Phase | Description | Typical Duration |
|---|---|---|
| Settlement Announced | Parties reach an agreement in principle | Day 0 |
| Preliminary Court Approval | Judge reviews and issues preliminary approval | 2 to 4 months |
| Class Notice Period | Class members are notified and given time to file | 30 to 90 days |
| Opt-Out / Objection Deadline | Class members can opt out or object | Within notice period |
| Final Approval Hearing | Judge issues final approval order | 4 to 8 months after preliminary approval |
| Claims Processing | Administrator reviews filed claims | 2 to 6 months |
| Payment Distribution | Checks or electronic payments sent | 1 to 3 months after processing |
Total timeline from announcement to check: Often 12 to 24 months or more.
For the opioid settlement funds being distributed through state programs, some individual victim assistance payments are already flowing in states that have set up qualifying programs.
Walgreens Class Action Lawsuit Payout Date: The Timeline
The Walgreens class action lawsuit payout date is not a single moment but a rolling series of events tied to each separate case.
Here’s the most current projected payout timeline for each major case:
| Case | Earliest Possible Payout | Notes |
|---|---|---|
| Opioid Government Settlements | Ongoing through 2027 | State disbursements happening now |
| DOJ Prescription Fraud | Already distributed (2019-era settlement) | New private cases still pending |
| COVID Test Class Actions | Estimated 2026 at earliest | Litigation still in discovery |
| PBM Lawsuits | Estimated 2027 to 2028 | Early stage; long timeline expected |
| Consumer Fraud State Cases | Case-dependent; some possible in 2025 | Watch for settlement notices |
The prescriptions overcharge follow-on private class actions are the most likely to result in direct consumer checks in the 2025 to 2026 window. These are the cases furthest along in terms of legal progress.
Signing up with a class action monitoring service or keeping an eye on court filings in your federal district can help you catch official notice when your eligible case reaches the settlement phase.
Key Takeaway: The earliest realistic payout dates for individual consumers fall in the 2025 to 2026 range for the most advanced cases, while newer lawsuits like the PBM and COVID test cases won’t see payouts until 2027 at the earliest.
How to File a Claim Against Walgreens
Filing a claim against Walgreens in a class action follows a process that’s designed to be accessible to ordinary people without a lawyer.
When a class action settlement is officially approved, a settlement administrator is appointed. That administrator runs a claims website and often sends mail or email notices to potential class members. You don’t need to hire an attorney to file a basic claim.
Here’s the general filing process step by step:
Step 1: Determine which lawsuit you qualify for.
Review the eligibility criteria for each active settlement based on your purchase history and the dates covered.
Step 2: Watch for your class notice.
The settlement administrator will send notices by mail, email, or publication. This notice includes your claim ID, filing deadline, and instructions.
Step 3: Gather your documentation.
This may include:
- Pharmacy receipts or prescription records
- Health insurance explanation of benefits (EOB) statements
- Credit card or bank statements showing Walgreens purchases
- COVID test kit packaging or purchase confirmation
Step 4: File your claim before the deadline.
Claim deadlines are strict. Missing the deadline typically means forfeiting your right to recover, even if you clearly qualify.
Step 5: Wait for the court’s final approval.
Filing a claim doesn’t get you paid immediately. The court must grant final approval before the administrator can distribute funds.
| Filing Step | Action Required | Timing |
|---|---|---|
| Check eligibility | Review case criteria | Now |
| Receive class notice | Watch mail/email | When settlement is announced |
| Gather documents | Collect receipts and records | Before deadline |
| Submit claim form | Online, by mail, or via administrator | Before deadline |
| Await distribution | No action required | Post-approval |
You don’t pay anything to file. The attorney fees are already built into the settlement fund and approved by the court separately.
Walgreens Lawsuit Updates 2025: Latest Developments
The Walgreens lawsuit updates in 2025 reflect a company under sustained legal pressure on multiple fronts simultaneously.
Opioid front: State-level distribution of opioid settlement funds is accelerating. States like Ohio, West Virginia, and Tennessee are actively sending funds to counties for addiction treatment programs. Some states have established individual victim assistance programs.
Financial pressure context: Walgreens has publicly announced plans to close hundreds of underperforming store locations. The company cited financial strain partly attributed to legal costs, settlement obligations, and declining retail pharmacy margins. This matters because it signals the company is taking settlement obligations seriously to resolve outstanding liability.
FTC and PBM investigation: The FTC’s 2024 PBM report created momentum for new legal filings in 2025. Watch for formal enforcement actions and related private class action filings in the first half of the year.
COVID test litigation: Multiple federal courts are expected to rule on class certification motions in COVID test cases during 2025. A favorable class certification ruling would significantly accelerate settlement talks.
State AG actions: The attorneys general of California and Illinois have ongoing consumer protection investigations into Walgreens’ pricing and marketing practices. These investigations often precede formal legal action or settlement demands.
| Development | Status | Expected Next Step |
|---|---|---|
| Opioid Fund Distribution | Ongoing | Continued state-level disbursements through 2027 |
| FTC PBM Investigation | Completed report; enforcement pending | Formal action expected 2025 |
| COVID Test Litigation | Discovery phase | Class certification rulings 2025 |
| State AG Investigations | Active | Potential actions or settlements 2025-2026 |
| Store Closure Program | In progress | Reduces ongoing overhead tied to legal liability |
Key Takeaway: 2025 is a pivotal year for Walgreens litigation, with multiple cases approaching critical legal milestones that could trigger settlement announcements and start the clock toward consumer payouts.
Frequently Asked Questions
How much will I get from the Walgreens class action lawsuit settlement?
Most individual consumers can expect between $10 and $500 depending on the case and their level of documented purchases.
Higher payouts are possible for claimants with strong prescription records showing consistent overcharges over multiple years.
Opioid settlement money generally does not go to individuals; it flows to government-administered treatment programs.
Who qualifies for the Walgreens class action lawsuit?
Eligibility depends on which case you’re asking about and what purchases or experiences you had with Walgreens.
Prescription overcharge cases generally require that you filled prescriptions at Walgreens and paid co-pays during covered date ranges.
COVID test cases cover anyone who bought a Walgreens COVID test kit between 2020 and 2022 and experienced inaccurate results or paid inflated prices.
When is the Walgreens settlement payout date in 2025?
There is no single payout date because multiple separate cases are at different stages of litigation.
The most advanced consumer cases, including some prescription overcharge and state consumer fraud cases, could issue checks as early as late 2025 or 2026.
Newer cases like the PBM and COVID test lawsuits are not expected to reach payment distribution before 2027.
How do I file a claim in the Walgreens class action lawsuit?
You file a claim through the official settlement administrator’s claims process after a settlement is formally announced and approved.
Watch for a class notice arriving by mail or email, which will include your claim ID and the deadline to file.
You do not need an attorney to file, and there is no upfront cost to submit a claim.
Is the Walgreens lawsuit settlement already approved?
Some Walgreens settlements are already approved and in the distribution phase, particularly the opioid-related government settlements and the 2019 DOJ prescription fraud resolution.
Many private consumer class action cases are still pending, meaning no formal settlement has been approved yet for individual consumers to file claims.
Check for official class notices specific to your state and the case type that applies to your situation.
What You Should Do Right Now
Walgreens is facing billions in legal exposure across multiple active lawsuits. The cases that matter most to individual consumers are the prescription overcharge follow-on cases, the COVID test litigation, and the state-level consumer fraud actions.
If you filled prescriptions at Walgreens, bought COVID test kits, or purchased Walgreens-brand health products, start gathering your records now. Receipts, prescription histories, insurance EOBs, and credit card statements are all potentially useful.
The window to file claims opens when settlements are announced, and those deadlines move fast. Being prepared before the notices arrive puts you in a much stronger position to collect what you’re owed.
