Consumer Attorney Finder
If a collector broke the rules or you were sued over a debt, talking to a consumer attorney can help you understand your options. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a consumer who wins can recover attorney’s fees and costs from the company, so many consumer lawyers review these cases with no upfront fee.
Tell us your state, how much you owe and what happened. We show free options first, like the National Association of Consumer Advocates directory and legal aid, and then any partner listings, which are always labeled as sponsored. If you were sued, answer by the deadline on the summons.
Under the FDCPA, a collector that loses pays your lawyer’s fees — many attorneys take these cases at no upfront cost.
Collectors can’t call before 8 a.m. or after 9 p.m. your time, and more than 7 calls in 7 days about one debt is presumed harassment.
NACA attorney directoryFree
National Association of Consumer Advocates member lawyers who handle FDCPA and FCRA cases. Search by state.
Free debt validation letterFree tool
Make the collector prove the debt. If you send it within 30 days of their notice, collection must pause until they verify.
Free legal aidFree
Free legal help if you qualify by income. Pick your state on LawHelp.org to find local legal aid offices and self-help guides.
Cease-contact letterFree tool
Tell a collector in writing to stop contacting you. The debt still exists, but the calls and letters must stop.
Statute of limitations checkerFree tool
Can they still sue? See the general deadline for your state.
Free options come first. Sponsored listings are labeled and may pay us a commission; see our Advertiser Disclosure.