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 four options:
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). 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.
If you are not being harassed by a debt collector, but need a fast answer to your 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.)
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.
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