Free Legal Advice About
Debt Collection

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. Below you will find several services that may help.

We are affiliates of some of these services, which means we may be compensated for our marketing services. That’s one of the ways we can offer free help on this site. To learn more, please read our disclosure here.

Here are five options you will learn about below:

#1: Talk to a Consumer Law Attorney for Free!

Did you know that if the debt collector is breaking the law, there are attorneys 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). That means 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.

Get a free consultation now:

Call (844) 244-6600 (toll free)
request your free consultation online

#2: Get An Answer From an Attorney Right Away

If you are not being harassed by a debt collector, but need a fast answer to your questions we’ve partnered with With this service you can ask a question and get it answered inexpensively and conveniently online. It’s super easy! (Choose "consumer law" for the specialty area.)

#3: Being Sued for a Debt? Get a Free Initial Consultation

If you are being sued for a debt, it is very important that you don’t ignore the lawsuit. If you do not, the creditor or collection agency will very likely get a default judgment against you, and once they do, they may be able to garnish wages, seize your bank accounts or take other action to collect depending on what methods are available to them in your state. Also, default judgments can stay on your credit a very, very long time.

That’s why we recommend you talk with a consumer law attorney who can help explain your options when you are being sued for a debt. Attorneys who regularly help consumers in these situations understand that you probably don’t have a lot of extra cash (or you’d just pay off the bills!) and will help you evaluate your options.

Being sued for a debt? Get a free consultation now:

Call (800) 597-9977 (toll free)
request your free consultation online

#4: Get a Free Initial Evaluation by a Bankruptcy Attorney

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.

Talk with a bankruptcy attorney now:

Call (877) 248-2510

#5: Ask for Legal Aid Assistance

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:

  • Talked to your friends, family, neighbors or employers about your debts,
  • Refused to identify themselves,
  • Threatened to sue you or throw you in jail if you don't pay,
  • Tried to trick you,
  • Threatened to ruin your credit forever, 
  • Attempted to collect a debt you've already paid,
  • Threatened to garnish your wages but before taking you to court and getting a judgment,
  • Used abusive language, profanity or racial threats, or
    harassed you about a very old debt.

Please note that the neither the authors of Debt Collection Answers, or Ultimate Credit Solutions Inc. (which is the owner of this website, are attorneys, nor do 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.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation.  Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us. This disclaimer pertains to any company, individual, the general and internet public, as well as all members and users of this site, who might endeavor to transact business with any of the law firms referred by this website.

These law firms have been lightly pre-screened by the site owner  but we make no guarantees, warranties, endorsements or recommendations of their services or products. If you choose to conduct business with any firm referred to you by this website, or choose to employ, contract or retain their services, etc., then you are doing so at your own discretion and risk. As a site user, you agree to indemnify and hold us harmless of any losses, damages, violations of law, defamatory acts, errors or omissions that might occur with said firms as a result of your involvement with such firms.

Choosing an attorney is an important decision. Please keep in mind that past results do not guarantee future outcomes.

We hope you find the information and services you find here helpful, and welcome your comments!

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Please read our important disclosure here.