We know that if you are struggling with collection calls, you don’t have a lot of extra money to pay an attorney! But many times there are free or low-cost options available to help you.
Here are your four options:
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Did you know that if the debt collector is breaking the law, you may be able to work with an attorney who will charge you nothing at all?
Why would an attorney help you at no cost to you?
Because a debt collection agency that has violated the federal Fair Debt Collection Practices Act may have to pay your attorney’s fees, plus damages (to you). There is typically no cost to you at any point, from consultation to litigation to settlement, and the attorney may be able to help you stop the harassment.
And here is something most people don’t know: Many of these cases never even go to trial. The collection agency often settles before it gets that far.
For more information on how debt collection laws can help you, read our ebook, Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights. You can download or read the first chapter online for free!
If you are being sued for a debt or if there is no way you can afford to pay your debts, talk with a bankruptcy attorney. When you file for bankruptcy, collection calls and actions must stop, and you may be able to discharge (eliminate) some or all of your debts.
If the above suggestions aren't helpful to you, then you may want to look into free help from legal aid. Please remember, though, if a debt collector is breaking the law in its efforts to collect from you, an attorney may be willing to take on your case at no cost to you. So you may not even need to seek out legal aid.
In many parts of the country, legal aid offices or legal clinics staffed by law students provide low cost or free legal help with consumer law problems. These services are available to low-income consumers who qualify. To find a legal aid clinic in your area, type the name of your state + legal aid into a search engine or contact your local bar association.
Debt collectors may be breaking the law if they have:
Please note that the neither the authors of Debt
Collection Answers, or Ultimate Credit Solutions Inc. (which is the
owner of this website, DebtCollectionAnswers.com) are attorneys, nor to
we provide legal advice on this website.
We may be compensated for the marketing services we provide when we recommend specific products or services to our readers. It’s one of the ways we can continue to offer free answers to your questions at this website. We hope you find this service helpful, and welcome your comments!
Choosing an attorney is an important decision. Please keep in mind that past results do not guarantee future outcomes.