Free Consumer Debt Help Directory

Plain-language Q&A hub covering debt collection rights, validation, harassment, and what to do if sued.

When to use it: Point clients here first for FAQ-style answers before/after intake on debt-collection basics.

CFPB's consumer tools hub for debt collection: rights, sample letters, and what to expect.

When to use it: Central page to send clients for an overview and links to sample dispute/validation letters.

Collection of CFPB sample letters (dispute debt, request validation, stop contact, etc.).

When to use it: Give clients ready-made letters to send collectors while GLG handles the underlying matter.

CFPB's portal to file complaints against debt collectors, creditors, and credit reporting companies.

When to use it: Recommend clients file a CFPB complaint as a parallel pressure/documentation tool alongside GLG's defense.

CFPB guidance on responding to a debt collection lawsuit, including responding by the deadline.

When to use it: Core resource to send new clients who were just served with a collection lawsuit.

FTC's consumer guide to debt collector rights/obligations under the FDCPA.

When to use it: Alternative plain-language explainer to share alongside CFPB materials.

National Consumer Law Center's free consumer guide 'Surviving Debt' with chapters on collections, judgments, garnishment, and bankruptcy.

When to use it: Staff use as background/CLE-level reference; can also share excerpts with sophisticated clients.

Legal Services Corporation directory to locate local legal aid programs by state.

When to use it: Refer clients who don't qualify for GLG representation or need additional civil legal aid services.

State-by-state directory of free/low-cost legal help, self-help forms, and legal aid orgs.

When to use it: Refer overflow/conflict clients or those needing help in areas GLG doesn't cover.

Official federal courts overview of Chapter 7/11/13 bankruptcy processes and terminology.

When to use it: Staff reference and client handout explaining what bankruptcy involves before referral to bankruptcy counsel.

Official guidance on getting out of federal student loan default via rehabilitation or consolidation.

When to use it: Use for clients being sued/collected on defaulted federal student loans.

The only federally authorized website for free annual credit reports from all three bureaus.

When to use it: Have every client pull all three credit reports early to identify the debts/judgments at issue.

Equifax's online portal to dispute inaccurate information on a credit report.

When to use it: Use to help clients dispute inaccurate tradelines or post-judgment reporting.

Equifax page to place/lift a free credit freeze.

When to use it: Recommend to clients after identity theft or to stop new-account fraud during litigation.

Experian's online dispute submission portal.

When to use it: Client resource for disputing collection tradelines reported by Experian.

Experian page to freeze/unfreeze credit reports.

When to use it: Recommend alongside Equifax/TransUnion freezes for identity-theft-related debt cases.

TransUnion's dispute submission portal for credit report errors.

When to use it: Third bureau dispute resource to pair with Equifax/Experian for full coverage.

TransUnion page to freeze/unfreeze credit file.

When to use it: Complete the three-bureau freeze recommendation set for identity theft clients.

Nonprofit that helps patients apply for hospital financial assistance/charity care to erase medical bills.

When to use it: Refer clients being sued for hospital bills to check charity-care eligibility, which can moot the debt.

Free nonprofit tool helping low-income Americans file Chapter 7 bankruptcy without a lawyer, plus educational articles.

When to use it: Point self-help-inclined, low-asset clients here when full-service bankruptcy referral isn't needed/wanted.

Plain-language explanation of what the FDCPA covers and who it applies to.

When to use it: Educate clients on the federal law underlying GLG's FDCPA counterclaims/defenses.

Explains cease-communication rights under FDCPA/Reg F.

When to use it: Give to harassed clients who want written cease-communication instructions.

Explains garnishment process basics and required court judgment.

When to use it: Use when explaining to clients what happens after a default judgment if unopposed.

Plain-language rundown of consumer rights (contact restrictions, texts/social media rules under Reg F) when contacted by collectors.

When to use it: Great one-pager to hand clients at intake to set expectations about lawful collector contact.

California Courts' official self-help hub explaining debt collection lawsuits, deadlines, and defendant options.

When to use it: Point clients here first to understand a CA debt suit; staff use it to confirm current statewide procedure/forms before drafting.

Step-by-step CA self-help page on the ways a defendant can respond to a debt lawsuit (Answer, motion, negotiate).

When to use it: Send to clients to explain their response options and deadlines; staff cite it when advising on strategy.

Plain-language overview of a CA consumer's choices after being served with a debt collection complaint.

When to use it: Good first link to send new CA debt-defense clients before the intake call.

CA Courts guide and official WG-006 form for claiming an exemption to stop or reduce a wage garnishment.

When to use it: Use when a CA client already has a judgment and needs to protect income; staff prep the WG-006 with this guidance.

Explains the Summons and Complaint documents a CA consumer receives when sued for debt, with response deadlines.

When to use it: Send to a newly-served CA client to help them read/understand their Summons and calculate the response deadline.

Pennsylvania's statewide legal-help site's dedicated self-help hub on debt collection and repossession issues.

When to use it: Primary PA self-help reference to send clients or check for current PA-specific debt defense guidance.

Official NJ Courts self-help page on Special Civil Part (claims up to $20,000), where most consumer debt suits are filed.

When to use it: Primary reference for GLG staff and clients on NJ debt-suit procedure since most debt cases run through Special Civil Part.

LSNJ's consumer law hub with plain-language articles on debt collection, judgments, and garnishment in NJ.

When to use it: Send to clients for accessible NJ-specific consumer debt explainers; staff use to double-check NJ-specific rules.

Consumer-facing flyer explaining NJ wage garnishment limits and exemptions.

When to use it: Send to NJ clients facing post-judgment wage garnishment to explain protections in plain language.

Official Maryland Judiciary self-help hub on debt collection lawsuits, judgments, and related procedures.

When to use it: Primary MD self-help reference for staff and a client-friendly explainer on the MD debt-suit process.

Maryland's People's Law Library plain-language guide to debt collector conduct rules and consumer rights.

When to use it: Send to MD clients to explain what debt collectors can/can't legally do; staff use to verify MD-specific rules.

Maryland Access to Justice Commission's dedicated site with guides, videos, and forms for people sued over debt.

When to use it: One-stop referral for MD clients wanting step-by-step guidance and video walkthroughs on responding to a debt suit.

Guide to Maryland's wage garnishment limits and property exemptions available to judgment debtors.

When to use it: Send to MD clients facing garnishment to explain exempt income/assets; staff cite when drafting exemption claims.

Tennessee Administrative Office of the Courts' central self-help hub for self-represented litigants statewide.

When to use it: Starting point for TN procedural questions; staff and clients use it to find TN-specific forms and guides.

TexasLawHelp.org's step-by-step guide (with official Answer form, statute-of-limitations and exemption info) for defendants sued in a Texas Justice Court debt claim case.

When to use it: Point pro se Texas clients here for plain-language guidance on responding within the required timeline, and staff can cite it when explaining defenses/deadlines to clients.

Official fillable Texas Justice Court 'Defendant's Answer – Debt Claim Case' form with checkbox affirmative defenses (SOL, ID theft, bankruptcy, already paid, etc.).

When to use it: Use as the base template/checklist when preparing a debt-claim Answer for a client in Texas Justice Court, or send directly to a self-represented consumer as a starting point.

Official Maricopa County Justice Court instructions and sample form for answering a civil debt-collection complaint.

When to use it: Use as a model/checklist for drafting Answers in Arizona Justice Court debt suits and to advise clients on required contents.

Official Arizona Judicial Branch hub of self-help forms, instructions and court information for unrepresented parties.

When to use it: Point self-represented Arizona clients here for general forms and instructions on responding to a civil debt lawsuit.

Official Wyoming courts self-help portal organizing forms and guides by legal topic, including debt and small-claims matters.

When to use it: Point Wyoming clients here to find court-approved forms and process guidance for responding to a debt lawsuit.

Official NYC Civil Court page explaining consumer credit transaction cases, including the streamlined rules and required plaintiff filings under the NYC consumer debt rules.

When to use it: Staff reference this to confirm NYC Civil Court's special pleading requirements for consumer debt cases when preparing an Answer or motion to dismiss for insufficient pleading.

Official New York Courts self-help page explaining which types of income (Social Security, SSI, child support, etc.) are exempt from bank restraint and garnishment.

When to use it: Use to advise NY clients on the Exemption Claim Form process after a judgment creditor restrains their bank account.

Illinois Legal Aid Online's guide to answering a debt collection lawsuit, including deadlines, defenses, and links to forms.

When to use it: Point Illinois clients here for plain-language guidance and use as a defense checklist when drafting an Illinois Answer.

Official Illinois statewide e-filing portal's page for self-represented litigants, with instructions and fee waiver info.

When to use it: Refer self-represented Illinois clients to e-file their Answer directly, or use as reference for the e-filing process staff follow.

Free guided interview on OhioLegalHelp.org that generates a completed Answer form for an Ohio debt collection lawsuit.

When to use it: Point self-represented Ohio consumers here to generate a court-ready Answer, or use as a model when staff prepare the Answer.

GeorgiaLegalAid.org's plain-language explanation of the process and defenses available when sued for a debt in Georgia.

When to use it: Point Georgia clients here for an overview of the process, and staff use it as a quick refresher on GA-specific defenses/deadlines.

Official North Carolina Administrative Office of the Courts fillable Answer form (AOC-CV-101) used to respond to a civil debt lawsuit in district court.

When to use it: Use as the base template when preparing an Answer in a North Carolina debt-collection case.

Virginia's statewide legal aid self-help site explaining the process, defenses, and forms for responding to a debt collection lawsuit.

When to use it: Point Virginia clients here for plain-language guidance and use as a defense checklist when preparing a Virginia grounds of defense/answer.

Official Virginia Judicial System self-help portal listing General District Court civil forms, including Grounds of Defense.

When to use it: Use to pull the official Virginia forms needed when responding to a General District Court debt lawsuit.

Guided interview tool on MichiganLegalHelp.org that generates a completed Answer for a Michigan debt collection lawsuit.

When to use it: Point self-represented Michigan clients here to generate a court-ready Answer, or use as a drafting reference for staff.

Explains Michigan's MiFILE electronic filing system used by self-represented litigants and attorneys in participating courts.

When to use it: Staff/clients use to understand and access Michigan's e-filing process for a debt-collection case Answer.

Statewide Washington legal aid self-help resource explaining the process, defenses, and forms for responding to a debt lawsuit.

When to use it: Point Washington clients here for plain-language guidance and use as a defense reference when preparing a Washington Answer.

Official statewide-approved Illinois circuit court Appearance and Answer forms used to respond to a civil debt lawsuit.

When to use it: Use these standardized official forms as the base template when preparing an Answer/Appearance in an Illinois debt case.

Official NC Department of Labor explanation of wage garnishment rules, noting NC's general prohibition on wage garnishment for consumer debt.

When to use it: Use to quickly confirm North Carolina's strong wage-garnishment protections when advising a client post-judgment.

Official Washington Courts index of statewide-approved civil forms, including Answer and small claims/garnishment forms.

When to use it: Use to pull the correct official Washington form when preparing a debt-lawsuit Answer or garnishment exemption claim.

FTC's consumer-facing hub of FAQs on debt collector rights, being sued, fake debt collectors, and deceased relatives' debts.

When to use it: Point clients here for plain-language explanations of their rights; staff use as a source for consistent, citable consumer guidance.

The only website authorized by federal law to provide free weekly credit reports from Equifax, Experian, and TransUnion.

When to use it: Direct every debt-defense client here first to pull all three credit reports before assessing which accounts/collectors are involved.

Plain-language consumer guide on medical debt: hospital billing rights, financial assistance, and collection defenses.

When to use it: Hand to clients facing hospital or medical collection lawsuits as a self-help primer before their consult.

Step-by-step guide to negotiating down hospital bills and applying for charity care/financial assistance.

When to use it: Point clients here when they want to reduce a medical bill before or instead of litigation.

Official federal tool to compare repayment plans (IDR, standard, PSLF track) and estimate payments/forgiveness timelines.

When to use it: Direct clients with federal student loans to model repayment options before deciding on litigation strategy for a co-signed loan default.

Plain-language explainer of repossession process, notice requirements, and deficiency balance rights.

When to use it: Send to clients who've had a vehicle repossessed and are now being sued for a deficiency balance.

Overview of repossession rights, redemption/reinstatement rules, and deficiency judgment defenses.

When to use it: Staff quick-reference and client handout on repossession timelines and how to fight a deficiency suit.

Guide to tenant rights when a landlord or debt collector pursues back rent, including validation and dispute rights.

When to use it: Share with clients being sued or collected on for unpaid rent/eviction judgments.

Consumer resource hub with state-specific eviction protections, emergency rental assistance, and legal aid links.

When to use it: First-line referral for clients facing an eviction alongside a rent-debt collection matter.

Guide for older adults, caregivers, and professionals on recognizing and reporting elder financial exploitation.

When to use it: Use when an elderly client's debt situation appears tied to exploitation by a caregiver, relative, or scammer.

Overview of SCRA protections: interest rate caps, default judgment protections, lease/eviction protections for active-duty servicemembers.

When to use it: Check SCRA applicability (active-duty status, 6% rate cap, default judgment safeguards) whenever a client or defendant may be a servicemember.

Full Spanish-language version of CFPB's debt collection consumer tools hub.

When to use it: Primary Spanish-language referral for LEP clients with debt collection questions.

Spanish FAQ on what to do when a debt collector contacts you, including validation and dispute rights.

When to use it: Send directly to Spanish-speaking clients newly contacted by a collector.

Locator for NFCC-certified nonprofit credit counseling agencies offering debt management plans.

When to use it: Refer clients seeking a non-bankruptcy debt management plan to a vetted nonprofit counselor.

Explains statute of limitations concept and zombie debt for old debts.

When to use it: Point clients here to recognize collector misconduct worth reporting to GLG (possible FDCPA/UDAAP claim).

CFPB consumer tools page on medical debt collection, billing errors, and credit reporting changes.

When to use it: Send to clients with medical-debt lawsuits or credit-report disputes over medical bills.

Hub explaining how to get, read, and dispute credit reports and understand credit scores.

When to use it: Reference for clients disputing inaccurate tradelines tied to a debt-collection judgment.

FTC guidance on assessing debt situations, credit counseling, and avoiding scams.

When to use it: Useful intake handout for clients weighing settlement, bankruptcy, or credit counseling options.

How to identify and report fraudulent debt collectors attempting to collect debts that don't exist or aren't owed.

When to use it: Send to clients contacted by scam collectors to help distinguish real suits from scams.

Simplified, multilingual FTC consumer education site on money, credit, and scams.

When to use it: Good low-literacy/ESL-friendly resource to hand clients with limited English or reading level.

FTC's one-stop resource to report and recover from identity theft, with a personalized recovery plan.

When to use it: Send clients disputing debts resulting from identity theft/fraudulent accounts.

FTC portal for consumers to report scams and fraud, including collection scams.

When to use it: Direct clients to report abusive or fraudulent debt collectors alongside any FDCPA claim GLG files.

USA.gov's overview page on debt collector rights and how to file complaints.

When to use it: General-audience entry point for clients unfamiliar with government resources.

NCLC's public resource library including fact sheets on debt collection, repossession, and scams.

When to use it: Pull specific fact sheets to send to clients on their exact issue (e.g., repossession, payday loans).

Virtual legal advice clinic where qualifying low-income users post civil legal questions answered by volunteer attorneys.

When to use it: Suggest to prospective clients who don't retain GLG but need quick general guidance.

Federal courts guidance for pro se bankruptcy filers, including required credit counseling.

When to use it: Send to clients who want to explore pro se bankruptcy as an alternative to defending suit.

Federal tool to compare federal student loan repayment plans and estimate payments.

When to use it: Point clients with student loan collection suits toward IDR/consolidation options as an alternative to litigation.

Federal Fresh Start initiative info allowing defaulted borrowers to regain good standing.

When to use it: Check whether client's federal loan may still qualify or successor programs, and reference SOL history.

Explains IDR plan options for federal student loans.

When to use it: Alternative resolution route for federal student loan clients instead of/along with litigation defense.

SSA info on when Social Security benefits can/cannot be garnished.

When to use it: Cite when advising clients whose only income is Social Security about judgment-proof status.

VA's portal for managing and disputing VA debt (overpayments, benefit debt) and setting up repayment plans.

When to use it: Refer veteran clients with VA-specific debt (not collections lawsuits) to resolve directly with VA.

HUD-approved housing counseling agency locator for foreclosure prevention, budgeting, and rental counseling.

When to use it: Refer clients facing foreclosure or needing budget counseling alongside debt-defense representation.

National hotline/website connecting people to local health and human services, including financial assistance.

When to use it: General referral for clients needing rent, utility, or food assistance while resolving debt matters.

Nonprofit network of accredited nonprofit credit counseling agencies offering budget/debt management plans.

When to use it: Refer clients wanting a debt management plan or free budget counseling as an alternative to litigation.

DoD-funded free financial counseling for service members and families.

When to use it: Refer military clients to free financial counselors alongside SCRA-based legal defenses.

CFPB hub of servicemember financial protections including SCRA.

When to use it: Reference when raising SCRA protections (interest rate cap, stay of proceedings) for active-duty clients.

Locator to find the nearest military legal assistance office (JAG) for service members.

When to use it: Refer active-duty clients needing SCRA affidavits or free legal assistance from JAG.

Nonprofit that abolishes qualifying medical debt for individuals and communities via donated funds.

When to use it: Reference for eligible low-income clients with medical-debt judgments/collections.

CMS consumer info hub on the No Surprises Act protections against unexpected medical bills.

When to use it: Use when a medical debt lawsuit stems from an out-of-network surprise bill that may be unlawful under the Act.

Explains verifying a debt collector's right to collect and requesting documentation.

When to use it: Early-stage client handout for people behind on cards but not yet sued.

HUD's foreclosure avoidance overview and counselor referral.

When to use it: Refer clients whose debt lawsuit is tied to or risks triggering mortgage default/foreclosure.

Official guidance on appearing remotely (Zoom/phone) for a California civil hearing, including required advance-request forms.

When to use it: Send to clients before a remote CA hearing; staff reference for RA-010/RA-015 advance-appearance form requirements.

Statewide directory connecting Californians to free/low-cost legal aid organizations by location and issue.

When to use it: Refer CA clients who need additional free legal help or resources GLG doesn't cover (e.g., other civil issues).

California Attorney General's portal/form for consumers to file complaints against a business, including debt collectors.

When to use it: Give to CA clients who want to formally report abusive collector conduct to the state AG.

Major LA-area legal aid nonprofit offering free civil legal help including consumer debt matters.

When to use it: Refer LA-area clients who need free help beyond GLG's scope or for co-counsel/referral situations.

Bay Area legal aid program with a dedicated consumer protection practice covering debt collection defense.

When to use it: Refer Northern California clients located in Bay Area counties needing free consumer-law assistance.

Official guide to California's small claims process, forms, and procedures.

When to use it: Reference when a CA debt case is filed (or should be) in small claims rather than limited/unlimited civil.

Curated list of additional forms, legal aid, and reference links specific to California debt lawsuits.

When to use it: Use as a jumping-off page to find related CA debt-suit forms and outside resources quickly.

Official UJS page explaining self-representation in PA courts, with links to PACFile electronic filing.

When to use it: Reference for how self-represented PA parties e-file; staff use PACFile for electronic pleadings where available.

Statewide portal to locate the local PLAN legal aid office serving a client's PA county.

When to use it: Refer PA clients needing free legal help GLG cannot provide, or to confirm local legal aid coverage.

Philadelphia legal aid program offering help with debt collection lawsuits and consumer debt issues.

When to use it: Refer Philadelphia-area clients who need free help or additional support alongside GLG representation.

Major Philadelphia legal aid provider with a dedicated debt and consumer rights unit.

When to use it: Refer PA clients for free consumer-law help or to check known local practices around debt buyer suits.

Official portal to submit a consumer protection complaint to the Pennsylvania Attorney General.

When to use it: Give to PA clients who want to report an abusive or unlicensed debt collector to the state AG.

Official portal/instructions for self-represented litigants to access NJ's eCourts civil case system.

When to use it: Reference for how a pro se NJ defendant (or GLG checking a client's own access) views/e-files in their case.

Official NJ Judiciary guide to joining remote/virtual court proceedings (Zoom-based).

When to use it: Send to NJ clients ahead of a remote hearing; staff reference for logging-in procedures.

Single statewide intake hotline connecting NJ residents to the appropriate local legal services office.

When to use it: Give to NJ clients needing free legal help for matters outside GLG's engagement.

Official NJ portal for consumers to file complaints against businesses, including debt collectors.

When to use it: Give to NJ clients who want to report improper collector conduct to the state consumer affairs division.

Top-level NJ Judiciary self-help portal linking to all case-type self-help centers, including Special Civil.

When to use it: Starting point for staff/clients to navigate to any NJ self-help topic beyond debt collection.

Official NJ brochure explaining Small Claims Section procedure (claims up to $5,000/$3,000).

When to use it: Reference when an NJ debt claim is filed in Small Claims rather than the general Special Civil docket.

FAQ explaining the jurisdiction and process of NJ's Special Civil Part.

When to use it: Simple explainer to send NJ clients confused about why their debt suit is in "Special Civil Part."

Official Maryland Courts toolkit with checklists and tip sheets for participating in a remote (Zoom) hearing.

When to use it: Send to MD clients before a remote hearing; staff reference the litigant checklist for prep.

Official guidance and registration info for MDEC electronic filing for parties without an attorney.

When to use it: Reference for MDEC e-filing procedure/CM-eCourts, relevant when checking a self-represented co-party's filings.

Maryland's largest civil legal aid provider, with a consumer law unit covering debt collection defense.

When to use it: Refer MD clients needing free legal help for matters GLG cannot take, or for referral/overflow.

Official online portal to file a consumer protection complaint with the Maryland Attorney General.

When to use it: Give to MD clients who want to formally report an abusive or unlicensed debt collector.

Statewide network of in-person/virtual Maryland Court Help Centers assisting self-represented litigants.

When to use it: Refer MD clients (or check availability) for free in-person help completing court forms.

Maryland Legal Aid's plain-language handout on consumer rights when facing debt collection.

When to use it: Client handout summarizing MD debt-collection rights, useful in intake packets.

Official TN Courts directory of free and reduced-fee legal service providers statewide.

When to use it: Refer TN clients to additional legal aid resources for matters outside GLG's engagement.

Official Tennessee AOC guide for participants joining a Zoom-based remote court hearing.

When to use it: Send to TN clients ahead of a remote hearing; staff reference for setup and hearing etiquette expectations.

Statewide network directing Tennesseans to the appropriate local legal aid or self-help resource.

When to use it: Refer TN clients needing free legal help outside GLG's debt-defense engagement.

Middle Tennessee legal aid organization handling consumer issues including debt collection and garnishment.

When to use it: Refer Middle TN clients for supplemental free legal help or referral/overflow capacity.

West TN legal aid's client-facing explainer specifically about being sued for consumer debt.

When to use it: Send to West TN clients as an accessible explainer of their rights and options when sued.

Tennessee AG's consumer affairs division page with information on filing complaints against businesses/collectors.

When to use it: Give to TN clients wanting to file a formal state complaint against an abusive debt collector.

Simplified e-filing interface built for unrepresented Texas litigants to file documents without a Tyler attorney account.

When to use it: Refer clients who choose to self-file (e.g., before/after referral, or in counties GLG doesn't cover) to this portal to submit their Answer electronically.

Statewide directory connecting Texans to legal aid organizations and self-help resources by region and issue.

When to use it: Refer Texas clients who don't qualify for GLG representation (e.g., income limits, conflicts) to a legal aid provider.

Official Texas OAG portal for filing complaints about deceptive trade practices, including abusive debt collection.

When to use it: Point clients here to file a state-level complaint against a collector/creditor for unfair practices, complementing any FDCPA claim GLG pursues.

Plain-language explanation of Texas homestead, wage, retirement, and personal property exemptions protecting debtors from judgment collection.

When to use it: Staff and clients use to identify what assets/income are exempt from post-judgment collection in Texas debt cases.

Arizona's largest civil legal aid provider, offering free help to low-income residents on consumer debt, garnishment and related issues.

When to use it: Refer income-qualifying Arizona clients GLG can't take (conflicts, capacity) for free legal aid assistance.

Official portal to file a consumer protection complaint with the Arizona Attorney General, including against debt collectors.

When to use it: Point clients to file a state complaint alongside or instead of litigation when the amount/facts don't justify a lawsuit.

Florida circuit self-help center page with resources and forms for self-represented litigants, including civil/debt matters.

When to use it: Use as a model of a Florida circuit self-help center to locate the correct forms for the county where a client is sued; each circuit has similar pages.

Statewide legal aid network site with plain-language articles, forms, and a legal aid office finder for Florida consumers.

When to use it: Point Florida clients here for self-help articles on being sued over debt and to locate free legal aid where GLG can't assist.

Florida Attorney General's consumer protection division page for filing complaints about unfair or deceptive practices, including debt collection.

When to use it: Refer clients to file a state complaint against a collector engaging in deceptive practices under Florida law.

Wyoming's statewide nonprofit legal aid provider offering free civil legal help to low-income residents, including debt collection defense.

When to use it: Refer income-qualifying Wyoming clients who GLG cannot represent to Legal Aid of Wyoming for free assistance.

Wyoming AG Consumer Protection Unit's page for filing a consumer complaint, including about debt collectors.

When to use it: Point Wyoming clients here to file a state-level complaint about abusive or deceptive collection practices.

Mirror/host of the official NYC Civil Court consumer-credit-transaction written Answer form (CIV-GP-58b) used to respond to a debt lawsuit.

When to use it: Use as a quick-reference copy of the official NYC Answer form fields when helping a client draft their response; verify against the court's own PDF before filing.

Official NY OAG portal to submit consumer complaints, including against debt collectors and creditors.

When to use it: Point NY clients here to file a state complaint about abusive collection tactics, alongside any FDCPA action.

Statewide directory of free legal help and self-help legal information for New Yorkers, including debt/consumer issues.

When to use it: Refer NY clients GLG cannot represent to a local legal aid organization via this directory.

Official Illinois AG consumer protection complaint portal, covering debt collection and creditor disputes.

When to use it: Point Illinois clients here to lodge a state consumer-fraud complaint against a collector or creditor.

Illinois Legal Aid Online article explaining how to respond to and exempt income from wage/bank garnishment after a debt judgment.

When to use it: Use to advise Illinois clients facing post-judgment garnishment on exemption claims and deadlines.

Statewide directory connecting Ohio residents with their local legal aid organization by county.

When to use it: Refer Ohio clients GLG cannot represent to their regional legal aid provider.

Official portal for filing consumer protection complaints with the Ohio Attorney General, including debt collection issues.

When to use it: Point Ohio clients here to file a state complaint against an abusive creditor or collector.

Official Georgia state consumer protection complaint form for disputes with businesses, including debt collectors.

When to use it: Point Georgia clients here to file a state complaint about unfair or deceptive collection conduct.

GLSP is Georgia's statewide civil legal aid provider (outside metro Atlanta) offering free help on consumer/debt matters.

When to use it: Refer income-qualifying Georgia clients GLG cannot represent to GLSP for free legal assistance.

Statewide North Carolina directory connecting residents to legal aid organizations and self-help resources.

When to use it: Refer North Carolina clients GLG cannot represent to a local legal aid organization.

Official NC Attorney General consumer protection complaint form covering debt collection and creditor disputes.

When to use it: Point NC clients here to file a state complaint about abusive or deceptive collection practices.

Legal Aid of North Carolina's statewide intake page for free civil legal help, including debt/consumer issues.

When to use it: Refer income-qualifying North Carolina clients GLG cannot represent for free legal aid assistance.

Official Virginia Office of the Attorney General consumer protection complaint portal.

When to use it: Point Virginia clients here to file a state complaint against an abusive creditor or collector.

Regional Virginia nonprofit legal aid provider offering free civil legal help including debt and garnishment defense.

When to use it: Refer income-qualifying Virginia clients GLG cannot represent to VLAS or the applicable regional legal aid provider.

Official Michigan Attorney General consumer protection complaint portal, covering debt collection and creditor disputes.

When to use it: Point Michigan clients here to file a state complaint about deceptive or abusive collection practices.

Statewide Michigan self-help legal portal with topic guides, court forms, self-help center locator, and legal aid referrals.

When to use it: Use as the general hub to find any additional Michigan-specific consumer debt resources or a local self-help center for a client.

Official Washington AG consumer protection complaint portal, covering debt collection and creditor disputes.

When to use it: Point Washington clients here to file a state complaint against a collector or creditor for unfair practices.

Washington State Office of Civil Legal Aid's directory to CLEAR hotline and regional legal aid providers.

When to use it: Refer income-qualifying Washington clients GLG cannot represent to CLEAR/Northwest Justice Project for free help.

Statewide Arizona legal aid self-help site with plain-language Q&A on consumer debt and collection issues.

When to use it: Point Arizona clients here for accessible answers about their rights when sued over a debt.

Official Wyoming Judicial Branch page with small claims court forms and process guidance, often where consumer debt suits are filed.

When to use it: Use to pull official Wyoming small claims forms and confirm process/deadlines when a client is sued in circuit court's small claims division.

Cook County (Chicago) court self-help hub with forms, e-filing instructions and resources for self-represented litigants.

When to use it: Point Cook County clients here for local self-help resources when GLG's largest Illinois volume of debt cases originates there.

OhioLegalHelp.org's small claims topic hub with guidance relevant to debt suits filed in small claims division.

When to use it: Use when a client's Ohio debt case is filed in small claims court to confirm the simplified process/limits.

GeorgiaLegalAid.org guide to Magistrate Court procedure, where many Georgia debt collection suits are filed.

When to use it: Use to confirm Georgia Magistrate Court procedural rules/deadlines when defending a client in that court.

Official North Carolina Judicial Branch help-topic page explaining small claims court process, where many debt suits are filed.

When to use it: Use to confirm North Carolina small claims procedure/deadlines and point self-represented clients to official guidance.

Official Virginia Judicial System self-help page on small claims court process and forms, a common venue for debt suits.

When to use it: Use to confirm Virginia small claims procedure/deadlines and point clients sued in that division to official guidance.

Statewide Virginia legal aid organization handling consumer debt, garnishment, and related civil legal issues for low-income residents.

When to use it: Refer income-qualifying Virginia clients GLG cannot represent to Legal Aid Justice Center or another regional VA legal aid program.

Directory of in-person and virtual Michigan court self-help centers offering free assistance to self-represented litigants.

When to use it: Refer Michigan clients to their local self-help center for in-person help completing or filing court forms.

Guided tool/guide for Michigan small claims court process, a common venue for consumer debt suits.

When to use it: Use to confirm Michigan small claims procedure and jurisdictional limits when a client is sued in that division.

The Florida Bar's official portal to current Florida Small Claims Rules (Chapter 7) governing procedure in county court debt-collection suits, the most common venue for consumer debt cases.

When to use it: Staff cite directly to confirm Florida small claims procedural deadlines, required answer/appearance rules, and available defenses when preparing a response.

Official Georgia Judicial Branch access-to-justice hub with self-help forms and court information for unrepresented litigants.

When to use it: Point Georgia clients here for official court self-help resources when responding to a debt lawsuit.

CFPB-provided sample dispute letters for consumers to send to credit bureaus and information furnishers.

When to use it: Give clients as a starting template when they need to dispute a debt buyer's tradeline directly, supplementing firm-drafted FCRA dispute letters.

Plain-language explainer on how debt SOLs work, including revival/tolling risks, with a state-by-state summary.

When to use it: Send simplified version to clients to explain why the SOL defense matters and what could accidentally restart the clock (partial payment).

Official federal court form to request waiver of prepaying court fees/costs based on inability to pay.

When to use it: Use for indigent clients in federal FDCPA/FCRA counterclaims who cannot afford the filing fee.

National directory connecting consumers to free/low-cost legal aid organizations by state.

When to use it: Refer clients who don't qualify for GLG representation or need collateral help (e.g., housing, benefits) to local legal aid.

National Association of Attorneys General's map linking to each state AG's consumer protection complaint page.

When to use it: Direct clients to file a state AG complaint against an abusive collector as a complementary (non-legal-fee) remedy.

FTC/CFPB's official one-page plain-language summary of consumer rights under the Fair Credit Reporting Act.

When to use it: Attach to client intake packets so clients understand their FCRA rights regarding credit report accuracy and disputes.

Better Business Bureau's public database where consumers can search and report scams, including fake debt collection schemes.

When to use it: Help clients verify whether a caller demanding payment matches a known phantom-debt or scam pattern before assuming it's a legitimate collector.

FTC consumer alert explaining the importance of responding to a debt-collection lawsuit and outlining basic rights during the process.

When to use it: Reinforce urgency of timely response with clients newly served, alongside firm's own deadline calendar and Answer drafting.

Consumer-facing explainer of the credit-bureau voluntary changes removing paid/small medical collections from reports.

When to use it: Share with clients disputing a medical collection tradeline on their credit report.

Official tool to certify employment and track progress toward Public Service Loan Forgiveness.

When to use it: Point clients who work for qualifying employers here instead of pursuing costly private refinancing.

FTC consumer guide covering repossession rules, personal property recovery, and post-repossession sale rights.

When to use it: Client handout on what happens after repossession and how to reclaim personal items from a repossessed vehicle.

CFPB resource on tenant screening reports: what's in them, how to dispute errors, and rental application rights.

When to use it: Use when a client's eviction/rent debt is showing up wrongly on a tenant-screening report affecting future housing.

Step-by-step guide for consumers to obtain and dispute their tenant-screening report.

When to use it: Point clients here to pull their tenant-screening file and dispute inaccurate eviction/debt entries.

Federal program providing help paying home energy bills and arrearage/crisis assistance.

When to use it: Refer clients behind on utility bills to their state LIHEAP administrator for bill assistance before debt goes to collections.

Consumer guide on timeshare resale/exit scams, cancellation rights, and how to spot fraudulent exit companies.

When to use it: Warn clients with timeshare debt/collections about exit-company scams before they pay for 'timeshare relief' services.

Texas-specific guide explaining statute of limitations on debt and how it affects a lawsuit's validity.

When to use it: Reference/share with Texas clients being sued on old debt to explain SOL defenses in plain language.

Spanish-language USA.gov overview of identity theft reporting and recovery steps.

When to use it: Give to Spanish-speaking clients disputing an identity-theft-based debt.

Resource hub with tools and referral info to protect older adults from fraud and exploitation.

When to use it: Share with elderly clients or families to prevent further exploitation while resolving existing debt matters.

Spanish-language booklet explaining debtors' rights, wage garnishment limits, and collection practices.

When to use it: Printable client handout for Spanish-speaking clients wanting a comprehensive debtors'-rights overview.

Spanish 'Your Money, Your Goals' toolkit module on responding to debt collector calls.

When to use it: Use as a structured worksheet with Spanish-speaking clients preparing to respond to a collector.

Official IRS hub summarizing payment plans, offers in compromise, and hardship options for tax debt.

When to use it: Refer clients with IRS debt (often alongside consumer debt issues) to explore installment agreements or OIC before it affects other collection matters.

Official program letting eligible taxpayers settle tax debt for less than owed based on ability to pay.

When to use it: Point clients with significant IRS debt toward the OIC pre-qualifier tool as an alternative to default/collection.

FTC's hub warning consumers about debt settlement and credit repair scams and how to vet legitimate providers.

When to use it: Send to clients considering a debt settlement company before signing up, to screen for scams.

Directory of consumer-law attorneys nationwide, useful for referrals/co-counsel in unlicensed states.

When to use it: Find local/appearance counsel or referral partners in states GLG doesn't directly handle.

CFPB guide on negotiating lump-sum or payment-plan settlements with a debt collector.

When to use it: Educational resource for clients deciding whether to settle a debt versus continue litigation.

Interactive Q&A tool walking consumers through their specific debt collection situation and rights.

When to use it: Send clients here as a self-guided starting point before their intake call to help them organize their facts.

FTC guidance on credit repair companies, what they can and can't legally do, and DIY alternatives.

When to use it: Warn clients away from paid credit-repair scams and show them how to dispute tradelines themselves for free.

USA.gov hub linking to credit counseling, debt relief, and bankruptcy information.

When to use it: Broad referral page for clients needing budgeting/credit-counseling resources beyond litigation.

IRS explanation of its collection process for unpaid taxes, including notices and appeal rights.

When to use it: Distinguish tax-debt issues from consumer debt suits; refer clients with IRS collection issues appropriately.

Independent IRS organization helping taxpayers resolve problems and financial hardship with the IRS.

When to use it: Refer clients facing IRS collection hardship (garnishment/levy) that's separate from GLG's debt-defense scope.

Directory of LITCs providing free/low-cost representation for low-income taxpayers with IRS disputes.

When to use it: Referral resource for clients whose real problem is tax debt, not a debt-collection lawsuit.

Official U.S. government benefit finder tool covering federal/state assistance programs.

When to use it: Help clients in financial distress identify benefits they may qualify for.

Federal program info page for utility bill assistance for low-income households.

When to use it: Refer clients struggling with utility debt collection to LIHEAP for bill assistance.

Association of nonprofit financial counseling agencies; member locator for credit counseling services.

When to use it: Alternative referral network to NFCC for locating a nonprofit credit counselor near the client.

ACL's national directory connecting older adults and caregivers to local aging and disability services.

When to use it: Refer elderly clients with debt suits to local aging services (benefits counseling, legal aid) for wraparound support.

Free online tool to screen seniors for benefit programs they may qualify for.

When to use it: Help elderly clients on fixed incomes find benefits that reduce their exposure to collection while judgment-proof.

National Association of Unclaimed Property Administrators' official directory linking to every state's unclaimed property search.

When to use it: Have clients search for unclaimed funds that could help resolve settlements.

Multi-state unclaimed property search endorsed by NAUPA, covering most U.S. states.

When to use it: Quick multi-state unclaimed-money search alternative/companion to unclaimed.org.

USA.gov summary linking to free credit report and dispute resources.

When to use it: Simple starting page for clients unfamiliar with credit report rights.

USA.gov directory of where to file complaints depending on the issue (CFPB, FTC, state AG, etc.).

When to use it: Help clients route complaints to the right federal/state agency.

Federal program discharging student loans for borrowers with qualifying total and permanent disability.

When to use it: Alternative resolution for disabled clients being sued/collected on federal student loans.

IRS statement of the ten fundamental taxpayer rights.

When to use it: Background reference when a client's debt situation intersects with IRS collection actions.

CFPB hub for homeowners facing hardship, including scam warnings and counselor referrals.

When to use it: Pair with HUD counselor referral for clients with mortgage-related debt issues.

USA.gov hub explaining common scams, including debt-relief and government-imposter scams, and how to report them.

When to use it: Send to clients unsure whether a caller claiming to be a government debt collector/process server is legitimate.

CFPB resource hub specifically for older adults on money management and fraud prevention.

When to use it: Send to elderly clients alongside Eldercare Locator/NCOA for financial protection info.

State Bar-certified directory of local lawyer referral services across California.

When to use it: Refer prospective CA clients whose matter GLG cannot take, or who need a different practice area.

LA-based public interest law firm's debt collection defense program for low-income consumers.

When to use it: Refer CA clients (esp. LA county) who need pro bono debt defense help or overflow capacity.

Official CA courts page directing self-represented litigants to legal aid, lawyer referral, and self-help resources.

When to use it: Alternate/backup legal-aid referral link for CA clients alongside LawHelpCA.

State agency guide to joining a Microsoft Teams-based remote hearing in Pennsylvania proceedings.

When to use it: Send to PA clients before a remote hearing to walk through Teams setup and etiquette.

Pennsylvania Bar Association homepage; hosts the PBA Lawyer Referral Service (LRS) info and referral request tool (deep referral subpages returned errors at verification time).

When to use it: Refer prospective PA clients whose matter falls outside GLG's practice areas.

Legal aid organization serving central PA counties, including consumer/debt collection matters.

When to use it: Refer central PA clients to a regional legal aid provider for supplemental free assistance.

State portal consolidating where to file various types of PA consumer complaints (AG, DoBS, insurance, etc.).

When to use it: Use as a triage page to route a PA client's complaint to the correct state agency.

Announcement/link for PLAN's new statewide online application tool for civil legal aid in PA.

When to use it: Use to help a PA client apply online for legal aid intake if GLG cannot take an ancillary matter.

Directory of NJ county bar associations, most of which run lawyer referral services.

When to use it: Refer NJ prospects to a county bar lawyer referral service for matters outside GLG's scope.

Regional NJ legal aid provider's dedicated consumer protection help page.

When to use it: Refer central NJ clients needing free consumer-law assistance alongside or instead of GLG.

Regional legal aid provider covering northwestern NJ counties with a consumer law practice.

When to use it: Refer clients in NW NJ counties for supplemental free consumer-law help.

MSBA's public resources page, including lawyer referral information for Maryland residents.

When to use it: Refer MD prospects whose matter is outside GLG's scope to a bar-sponsored referral service.

Baltimore-based nonprofit's lawyer referral service connecting Marylanders to attorneys, including consumer law.

When to use it: Alternate MD referral resource for clients or prospects needing a different attorney/specialty.

Regional Maryland legal aid nonprofit serving Prince George's County with consumer and debt-related programs.

When to use it: Refer PG County MD clients for supplemental free legal assistance or referrals.

TBA's statewide directory/referral tool to find a licensed Tennessee attorney by practice area and location.

When to use it: Refer TN prospects whose matter GLG cannot take to another attorney via the bar's referral tool.

TN AOC's self-help page listing options to find an attorney, including legal aid and bar referral resources.

When to use it: Alternate TN referral page to hand clients alongside TBA's Find an Attorney tool.

Tennessee access-to-justice initiative's directory connecting residents to legal help resources statewide.

When to use it: Another TN legal-aid referral pathway to use if TALS/AOC guides don't fit a client's location or issue.

Florida Bar's public consumer information hub, including lawyer referral service and general legal help pamphlets.

When to use it: Point Florida clients here for lawyer referral or general consumer legal information when GLG cannot take a matter.

Wyoming Judicial Branch FAQ page covering court procedure basics for self-represented litigants statewide.

When to use it: Staff/clients use to confirm basic Wyoming civil procedure questions (deadlines, filing fees, how circuit/district courts work).

ISBA's public lawyer referral directory for Illinois residents seeking legal representation.

When to use it: Refer Illinois clients GLG cannot take (e.g., outside debt-defense scope) to alternate counsel via this directory.

Washington Courts' official self-help page directing litigants to legal aid, lawyer referral, and self-help resources.

When to use it: Point Washington clients here as an entry point to court-endorsed self-help and legal aid resources.

Regional Florida legal aid organization's consumer law practice page covering debt collection defense and related issues.

When to use it: Refer income-qualifying Florida clients in FRLS's service area (rural/south-central FL) who GLG cannot represent.

Wyoming State Bar's public lawyer directory, including its reduced-fee Modest Means Program for moderate-income clients.

When to use it: Refer Wyoming clients who don't qualify for free legal aid but need affordable counsel to the Modest Means Program.

NC Bar Association's public lawyer referral directory for North Carolina residents seeking counsel.

When to use it: Refer North Carolina clients GLG cannot take to alternate counsel via this bar-run referral service.

State Bar of Michigan's public lawyer referral program connecting residents with attorneys, including reduced-fee consultations.

When to use it: Refer Michigan clients GLG cannot take to alternate counsel through this bar-run referral program.

WSBA's public-facing hub with lawyer referral, moderate means program, and consumer legal information for Washington residents.

When to use it: Refer Washington clients GLG cannot take to WSBA's lawyer referral or moderate means program.

ABI-run consumer site with FAQs on whether bankruptcy is right for someone and a directory of free/low-cost help.

When to use it: Give to clients evaluating bankruptcy as an alternative/complement to fighting a debt collection lawsuit.

NCLC project offering a student loan toolkit and referral resources for borrowers struggling with federal/private student loan debt.

When to use it: Refer clients whose debt issue is specifically student loans, which have distinct rules from other consumer debt.

Department of Education's ombudsman office for unresolved federal student loan servicing disputes.

When to use it: Refer clients with unresolved federal student loan servicing complaints after other channels have failed.

Legal-aid produced action-plan checklist for consumers served with a debt collection lawsuit, covering conciliation vs. district court and default judgments.

When to use it: Model/example of consumer-friendly checklist content; useful template style for GLG's own client-facing debt-lawsuit guides in other states.

Free virtual pro bono legal advice clinic where income-eligible users can post civil legal questions to volunteer attorneys by state.

When to use it: Point income-qualifying prospective clients who fall outside GLG's intake criteria to a free alternative for basic legal guidance.

USAGov directory of each state's consumer protection office for filing complaints against businesses and reporting scams.

When to use it: Alternative/backup directory to NAAG for pointing clients to their state consumer-protection office contact info.

Official FTC registry consumers can join to reduce unwanted telemarketing calls (does not cover legitimate debt collectors on existing debts).

When to use it: Explain to clients the registry's scope/limits and complement with a cease-communication or attorney-representation letter to actual collectors.

NFCC-accredited nonprofit offering free credit counseling and debt management plans as an alternative to litigation/bankruptcy.

When to use it: Alternative nonprofit counseling referral for clients wanting a structured repayment plan instead of continued litigation.

HUD directory of certified housing counselors offering foreclosure prevention, budgeting, and mortgage delinquency counseling.

When to use it: Refer clients whose debt issues include mortgage delinquency/foreclosure risk alongside their collection lawsuit.

Alert detailing red flags of timeshare exit companies and legitimate alternatives.

When to use it: Send to clients considering paying an exit company instead of addressing a timeshare debt lawsuit directly.

Plain-language SCRA explainer for servicemembers and families covering debt, lease, and legal protections.

When to use it: Client-friendly resource to hand to servicemember/veteran clients explaining their SCRA rights.

Spanish-language explainer of the FDCPA and consumer rights against abusive collectors.

When to use it: Additional Spanish client handout summarizing FDCPA protections in accessible language.

Independent IRS office's guide to options and taxpayer rights when unable to pay a tax bill.

When to use it: Use when a client needs independent help resolving an IRS dispute that's escalated to enforced collection.

Self-help guide walking Michigan parents through requesting payment plans or debt reduction on support arrears.

When to use it: Model/example for staff building similar guidance for clients in other licensed states with support arrears issues.

Consumer-facing advice on fighting collection of court fines, fees, and restitution debt.

When to use it: Client resource when court debt is being pursued by a private collector alongside other consumer debts.

Bankruptcy-attorney association's consumer info on evaluating bankruptcy vs. alternatives.

When to use it: Point clients here for general bankruptcy-vs-alternatives education when GLG doesn't handle their bankruptcy filing directly.

FTC's plain-language, low-literacy consumer education site on debt collector rights.

When to use it: Give to clients who need an especially simple, visual explanation of their collection rights.

Official guide to finding unclaimed money/property owed to a consumer by government or businesses.

When to use it: Suggest to clients as a source of funds to help pay a settlement or judgment.

Official state-run unclaimed-property search portal (National Association of Unclaimed Property Administrators).

When to use it: Have clients check for unclaimed funds that could help resolve a debt before litigation escalates.

Official industry site to opt out of pre-screened credit/insurance offers.

When to use it: Recommend to clients rebuilding credit post-debt-resolution who want to reduce unwanted credit solicitations.