Free Legal Advice Debt Collection

• Talked to your friends, family, neighbors or employers about your debts,
  
  
• Won't 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
  
  
• Been harassed about a very old debt.
  

If a debt collector is harassing you, call 877-768-2694 now to speak with an attorney. There is no charge to you.

Please read our important disclosure here.

If you owe debts, you may need low-cost or even free legal advice about debt collection. After all, if you had the money to pay a lawyer you’d be able to pay your bills, right?

Here are your options:

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

Did you know that if the debt collector is breaking the law, you can 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.

Another option is to find a consumer law attorney by visiting NACA.net or through your local bar association. (Those attorneys may or may not offer a free consultation so be sure to ask.)

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!

#2: Get a Free Initial Evaluation By a Bankruptcy Attorney

If there is no way you can afford to pay your debts, it makes sense to 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.

Learn how a bankruptcy attorney can help you if you are dealing with debt collectors here.

#3: Other Legal Questions? (Other Than Debt Collection, Bankruptcy or Foreclosure?) Get An Answer From an Attorney Right Away

To help us answer more reader questions, we’ve partnered with JustAnswer.com. 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.)

#4: 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.

Disclosure:

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.

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