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Where to Find No-Cost Legal Aid if You Have Low or No Income
Don't give up if you cannot afford a lawyer. Chances are, there are several organizations in your area that provide low- and no-cost legal aid to people with low income.
The table below contains links to legal aid organizations in all US states plus the District of Columbia.
The table also includes links to state consumer protection organizations that may be able to help you.
Legal assistance contacts. Source: Bills.com
If you are struggling with debt, you are not alone. According to the NY Federal Reserve total household debt as of Quarter Q4 2023 was $17.503 trillion. Student loan debt was $1.601 trillion and credit card debt was $1.129 trillion.
According to data gathered by Urban.org from a sample of credit reports, about 26% of people in the US have some kind of debt in collections. The median debt in collections is $1,739. Student loans and auto loans are common types of debt. Of people holding student debt, approximately 10% had student loans in collections. The national Auto/Retail debt delinquency rate was 4%.
The amount of debt and debt in collections vary by state. For example, in Minnesota, 13% have any kind of debt in collections and the median debt in collections is $1623. Medical debt is common and 2% have that in collections. The median medical debt in collections is $418.
Avoiding collections isn’t always possible. A sudden loss of employment, death in the family, or sickness can lead to financial hardship. Fortunately, there are many ways to deal with debt including an aggressive payment plan, debt consolidation loan, or a negotiated settlement.