NCLC Digital Library: Best Practices in Responding to IRS Debt
This article describes best practices when taxpayers are unable to repay their IRS tax obligations.
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FAQs: Can a Nursing Home Force a Resident’s Family and Friends to Pay the Bill?
Many nursing homes try illegal strategies to frighten family members or friends into paying the bill. Don’t be intimidated.
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NCLC Publishes 2023 Edition of Surviving Debt: Expert Advice for Getting Out of Financial Trouble
The National Consumer Law Center releases the revised 2023 edition of Surviving Debt, which provides precise, practical advice for families and individuals living with debt burdens. BOSTON – The National Consumer Law Center (NCLC) has released the new and revised 2023 edition of Surviving Debt, the book recently named “best all-around guide to navigating debt”…
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Medical Debt Crisis: Impact on Native and Indigenous Families
This webinar will look at medical debt in Native and Indigenous communities, the social and political influences causing an increased risk of medical debt, and what groups on the ground are doing to address this issue.
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New Process to Discharge Student Loans in Bankruptcy
Published 12/12/2022; Updated 2/15/24 A new Guidance from the Department of Justice (Department), issued in coordination with the Department of Education (Education), has the potential to change bankruptcy practice dramatically. Until now, attorneys have not thought of bankruptcy as a way to help clients struggling with student loan debt. If the Guidance is implemented as…
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Need Help With Debts? Don't Get Burned by Scammers - Know the Facts About Debt Relief
Debt relief is the generic name for different ways you can manage your bills. This fact sheet covers different types of debt relief and what you should watch out for. Debt relief scammers often target people in financial distress, such as those affected by a natural disaster. So people looking for assistance after a hurricane,…
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Deciding Whether to File Bankruptcy
This article describes how bankruptcy can help consumers, and when it may be the wrong solution. It also describes the difference between chapter 7 and 13 bankruptcies, the best time to file for bankruptcy, and what a bankruptcy will cost. The article also corrects common misconceptions about bankruptcy.
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Criminal Justice Debt: Consumer Debt Advice from NCLC
Widespread criminal justice debt—arising from fines, fees, costs, and more—has an outsized impact on consumers, including millions of drivers losing their licenses, seizure of income and assets, and even incarceration. This article provides advice on limiting these consequences and asserting rights against collection of criminal justice debt.
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Consumer Advice: Dealing with Debt Collectors After New Reg. F
Advice to consumers in dealing with debt collectors, taking into consideration new consumer rights and new consumer risks flowing from federal rules that just went into effect on November 30, 2021. This article provides nine ways to stop debt harassment, with sample letters; explains the limits of what collectors can really do; and lists illegal debt…
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Wage Garnishment and Bank Account Seizures
Creditors and debt buyers bring millions of collection lawsuits which usually result in a court judgment for the creditor or debt buyer. This article focuses on consumer rights and strategies to deal with your civil court judgment debt.
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Consumer Advice: Dealing with Debt Collectors—Including the New Federal Rules
This article provides advice to consumers in dealing with debt collectors. The article is based on an updated chapter in NCLC’s Surviving Debt. The advice now considers new consumer rights and new consumer risks flowing from federal rules that just went into effect on November 30, 2021. For more detail on these rules (the Consumer…
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