Advocacy to Manage Low-Income Utility Debt in the Age of COVID-19
Powerpoint presented during a webinar series on the impact of COVID-19 on utility ratemaking.
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Group Letter Regarding Emergency Request for Increased Lifeline Support During the COVID-19 Crisis
The undersigned organizations request the FCC immediately take actions to adapt the Lifeline program to meet the COVID-19 crisis.
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Don't Add Insult to Injury: Medical Debt & Credit Reports
Expenses for life-saving or medically necessary care are often unexpected, and can throw a family into an immediate financial crisis. This crisis is compounded when families cannot pay for these surprise expenses and the debt is reported to credit bureaus. The blemishes on a credit report (which employers and landlords as well as creditors may…
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Letter to Rohit Chopra Regarding Additional Actions the CFPB Should Take to Protect Consumers with Medical Debt
Letter highlighting important additional actions that the CFPB should take to protect and assist consumers with medical debts in collection.
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Testimony of NCLC Attorney John Rao at the U.S. House Judiciary Subcommittee Hearing on “Oversight of Bankruptcy Law and Legislative Proposals”
This testimony’s focus is on the discharge of student loans in bankruptcy
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NCLC Comments to the Advisory Committee on Bankruptcy Rules Concerning Proposed Changes to the Mortgage Claim Rule
The National Consumer Law Center,1 on behalf of its low-income clients, submits these comments to the proposed amendments to Bankruptcy Rule 3002.1 and new Official Forms.
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Sentenced to a Life of Debt: It Is Time for a Reassessment of How Bankruptcy Law Intersects with Fines and Fees to Keep People in Debt
Over the past several decades, bankruptcy gave tens of millions of Americans a fresh start free from crushing debt. Although criminal justice debt weighs disproportionately upon those with the least ability to pay, it has generally been excluded from bankruptcy’s fresh start. This exclusion has been grounded on the belief that allowing discharge of monetary…
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New Protections for Government Benefit Prepaid Cards
Effective April 1, 2019, a new Prepaid Accounts Rule issued by the Consumer FinancialProtection Bureau (CFPB) gives certain government benefit accounts new protections. Therule amends and enhances the protection that many government benefit accounts already haveunder the Electronic Fund Transfer Act (EFTA) and Regulation E.
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State Fact Sheets: Forced Arbitration Harms Consumers, Servicemembers, and Veterans
Forced arbitration clauses take away constitutional rights to a day in court when companies break the law. Instead of a judge, a private arbitrator, often chosen and paid by the company, decides cases in a secretive proceeding with no appeal. Below, we break down how each state is impacted by this harmful practice. Alabama Alaska…
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