DEBT & CONSUMER RIGHTS

Bankruptcies can give people with significant debt a fresh start. CLS provides representation, legal advice, and referrals when bankruptcy might be appropriate.

If you have been cheated or misled by a business, CLS can give advice and information about how to report it.

CLS can help you get your credit report, connect you with a credit counselor to dispute errors, and give advice on how to recover from identity theft. Most debt relief programs are scams. Call us before you pay anyone for help dealing with debt.

If you are being harassed, pressured, or sued by a debt collector, CLS can help. We can also help if your bank account is frozen or if your benefits or wages are being garnished.

If you are having trouble with an illegal payday loan, CLS may be able to help. We can help you get out of the payday loan debt trap. We can advise about other high-cost loans.

CLS helps student loan borrowers who struggle to pay their loans, are facing garnishment of wages or government benefits, or have a dispute with their lender or servicer. Before you refinance or pay anyone to help with student loans, see if CLS can help for free.