Debt Collectors
Learn about your issue
Debt Collection Lawsuit Responses
Will ask questions of the user to help produce forms to file with the Court in order to respond to certain types of debt collection lawsuits including Answer, Exceptions, Affirmative Defenses, etc.
How to Tell If A Call is Fraud? Identity Theft & Scams
The FTC has created dozens of videos about all kinds of consumer issues. There are quick videos about credit reports, debt collectors, identity theft, job scams, and more. Follow the link and search for the topic that interests you.
Debt Collection
Watch this video from the FTC to learn more about your rights when it comes to debt collection. For more information, check out the link to the FTC website. Includes a link to report robocalls.
Debt Collection Lawsuits
Five-video series about dealing with debt collectors, what to do if you receive a debt collection lawsuit, and defending yourself in court. Was a judgment entered without your knowledge? How to tell if legal papers were served properly and what to do if money is being taken from your account.
Garnishing Wages of Military Personnel and Federal Employees
Answers to Frequently Asked Questions about garnishing the pay of a member of the military and civilian employees paid by the Defense Finance and Accounting Service.
Glossary of English-Spanish Financial Terms
Online English-Spanish guide to words about money and finance.
ABA Military Pro Bono Project
The ABA Military Pro Bono Project—managed by the ABA Standing Committee on Legal Assistance for Military Personnel (LAMP)—accepts case referrals from military attorneys on behalf of junior-enlisted, active-duty military personnel facing civil legal issues, and it works to place these cases with pro bono attorneys. The Project is also the platform for Operation Stand-By, through which military attorneys and other pro bono attorneys may seek attorney-to-attorney guidance.
Federal Trade Commission (FTC) Bureau of Consumer Protection
The FTC’s Bureau of Consumer Protection stops unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights and responsibilities.
Payday Loans
A payday loan is a type of short-term option to borrow where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck. Payday loans charge high interest rates for short-term immediate credit. They are also called “cash advance” loans or “check advance” loans.
Repair Or Dispute Your Credit Reports
If there is true information on your report that is bad for you, credit bureaus can usually only report for 7 years. They can report bankruptcy information for 10 years. More information about repairing or disputing your credit report.
Understanding your Credit Report
Your credit report is crucial when seeking to buy or rent a home, purchase or lease a car, buy insurance, or even get a job. Your credit report shows lenders how reliable you might be; and, if there are mistakes, you could miss out on things that are rightfully yours.
When you cannot afford to pay filing fees and court costs in advance- In Forma Pauper (IFP)
The law says an "individual who is unable to pay the costs of court because of his poverty and lack of means" may file without paying court costs. This is called filing in forma pauperis (IFP). It is important to know that filing the affidavit with the court does not automatically lead to IFP status.