Consumer Debt & Bankruptcy

Dealing with debts can be overwhelming. Whether you are dealing with a lot of debts or facing a single collection lawsuit, NLSLA can help you to understand your options and to take action.

What We Can Help With

Chapter 7 Bankruptcy
The Bankruptcy Self-Help Center can help you to file Chapter 7 bankruptcy without an attorney. We conduct a series of four workshops to help you understand the process, complete the legal forms, and file a Chapter 7 at the appropriate court.
Answering a Debt Collection Action
Our self-help staff can help you respond to a debt collection action, whether that means filing an answer in court or considering other options.
Default Judgments
Do you have a default judgment against you for a debt? Contact our staff to understand what options you may have.
Responding to Harassing Debt Collectors
Are you being harassed by debt collectors? Contact us to learn which laws may protect you from harassing collectors and what you may be able to do about it.
Claim of Exemption
Did you recently receive a Wage Garnishment Order or Notice of Bank Levy? We can help you file a Claim of Exemption.
Identity Theft
Have you been a victim of identity theft? We’re here to help. Visit IdentityTheft.gov where you can make an affidavit about the identity theft and receive a personalized plan to combat the fraud.