Low-Income Consumer Initiatives

• Bankruptcy
  Center's efforts to maintain bankruptcy protection
• Cocounseling for Economic Justice
  NCLC's Litigation Project is intended to help counsel across the country preserve and expand the ability of low income and elderly consumers to gain access to the justice system and to help meet the chronic and vast unmet legal needs of elderly and low income Americans.
• Credit Counseling Issues
  NCLC advises consumers to evaluate all of their options before entering credit counseling, including developing a better spending and savings plan, negotiating individually with their creditors and—in very serious situations—declaring bankruptcy.
• Credit Discrimination
  NCLC focuses on ensuring fair access to credit for low-income individuals and communities.
• Debt Collection Abuse
  NCLC calls on media to expose debt collection industry's widespread illegal practices.
• Electronic Benefits Protection
  NCLC comments regarding the electronic delivery of state and federal benefits
• Electronic Commerce
  NCLC seeks protections for consumers in electronic commerce.
• Energy and Utility Initiatives
  NCLC protects and represents the interests of low-income consumers in the area of utility services.
• Immigrant Justice
  Immigrant Consumer Rights Initiative helps address the legal needs of low-income immigrants experiencing financial problems that hinder economic independence.
• Mortgage Servicing
  More on glossary of mortgage servicing terms and Fairbanks Capital settlement.
• Pay Day Loans
  NCLC combats high interest loans.
• Predatory Mortgage Reform
  NCLC's Proposals for Predatory Mortgage Reform.
• Refund Anticipation Loan
  The NCLC/CFA report notes that refund anticipation loans charge borrowers triple digit interest rates, place consumers at risk of loan liability if tax deductions are denied by the IRS, and expose unwary borrowers to debt collection for prior years’ unpaid loans.
• Seniors Initiative
  Advice on consumer credit, bankruptcy, debt collection, unfair and deceptive practices, sales and warranties, foreclosure prevention, energy assistance, and public utility practices
• Student Loans
  NCLC advocates on behalf of low-income students.
• Sustainable Homeownership
  NCLC helps low-income Americans maintain their homeownership by combating consumer scams and preventing foreclosures
• Testimony And Comments
  Statements from NCLC on consumer and energy issues