Disasters & Pandemics

COVID Relief

The COVID-19 pandemic created upheaval in people’s lives and exacerbated existing racial and economic inequities. NCLC works to alleviate financial challenges resulting from COVID, to promote solutions that address the increasing inequalities, and to help families navigate their financial lives during turbulent times.

Featured

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Brief in Biden v. Nebraska & Brown v. U.S. Department of Education

January 11, 2023

COVID-driven Arrearages & Rising Energy Prices Increase Risk of Utility Shutoffs

November 8, 2022

More Massachusetts Residents Fall Behind on Utilities, With Record Winter Bills on the Way 

November 8, 2022

A Guide for Advocates to Recent Federal COVID-19 Relief to Help Consumers Pay for Essential Energy, Water, and Broadband Service

September 28, 2022

Group Letter Urging Federally-Backed Investors & the CFPB to Improve Communications for Borrowers with Home Equity

August 31, 2022

Coalition Letter to President Biden Regarding Extending the Pause on Student Loan Payments

June 30, 2022

Group Letter to HUD Regarding the Needed Loan Modification Enhancements to Address Rising Interest Rates

May 31, 2022

Group Letter Calling on President Biden to Cancel Federal Student Debt Immediately Via Executive action

May 27, 2022

Homeowner Assistance Fund: Overview and FAQs

May 1, 2022

Comments & Letters

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Advocacy to Manage Low-Income Utility Debt in the Age of COVID-19

May 26, 2020

Building a California Seawall Against the Tsunami of Debt Collection Caused by COVID-19: Mortgage Relief

November 17, 2020

Coalition Letter to OMB Urging a Swift and Substantial Government Response to Meet the Scale of the COVID-19 Crisis

June 18, 2020

Coalition Letter to U.S. Treasury and Federal Regulators Urging Quick Deployment of Liquidity Facilities to Help Mortgage Servicers Maintain Stability During COVID-19 Crisis

April 16, 2020

Congress Must Act: Millions of Families Are At Risk of Losing Utility Service During the COVID-19 Crisis

February 25, 2021

Frauds, Scams and COVID-19: How Con Artists Have Targeted Older Americans During the Pandemic

September 23, 2021

Group Letter Regarding Emergency Request for Increased Lifeline Support During the COVID-19 Crisis

March 23, 2020

Group Letter Regarding the Consumer Website Portal to Provide Information to Consumers on Mortgage and Rental Relief Options Available During COVID-19

June 2, 2020

Group Letter Urging Federally-Backed Investors & the CFPB to Improve Communications for Borrowers with Home Equity

August 31, 2022

Reports

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The High Cost of a Fresh Start: A State-by-State Analysis of Court Debt as a Bar to Record Clearing

February 1, 2022

COVID-Driven Utility Arrearages: Implications for Policy in Massachusetts and the Nation

February 23, 2021

Report: 2021 Tax Season – Higher Costs for Vulnerable Taxpayers During the COVID Economic Crisis

February 17, 2021

White Paper on Immediate Actions the CFPB Can Take to Address the COVID-19 Crisis

April 6, 2020

Appendix C: Long Summaries of Loss Mitigation Rules for Government-Backed Loans

February 19, 2020

Issue Briefs

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COVID-driven Arrearages & Rising Energy Prices Increase Risk of Utility Shutoffs

November 8, 2022

A Guide for Advocates to Recent Federal COVID-19 Relief to Help Consumers Pay for Essential Energy, Water, and Broadband Service

September 28, 2022

Homeowner Assistance Fund: Overview and FAQs

May 1, 2022

FAQ: Homeowner Assistance Funds and Reverse Mortgages

March 1, 2022

Assisting Consumers with Rental Debt During COVID-19: Legal Aid and Non-Profit Attorneys Share Their Experiences

December 14, 2021

HUD Should Provide Additional COVID Loss Mitigation Options for HECM Borrowers

August 5, 2021

Almost Two in Three Navient Borrowers Making Payments During COVID-19 Federal Student Loan Payment Pause Are Underwater

August 1, 2021

Federal Income Tax Consequences of Receiving Assistance from a State Homeowner Assistance Fund Program

July 1, 2021

Why Homeowner Assistance Fund Programs Should Be Accessible to Homeowners in Bankruptcy

July 1, 2021

Testimony

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Frauds, Scams and COVID-19: How Con Artists Have Targeted Older Americans During the Pandemic

September 23, 2021

Testimony Before House Financial Services Regarding Oversight of Mortgage Servicers’ Implementation of the CARES Act

July 16, 2020

Testimony Regarding FY2021 Appropriation for the Health and Human Services’ Low Income Home Energy Assistance Program (LIHEAP)

May 22, 2020

Testimony of Ariel Nelson regarding H.4652, An Act Regarding Decarceration and COVID-19

May 5, 2020

Press Releases

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Important Investments in Homeownership and Families in Build Back Better

November 19, 2021

CFPB Will Hold Debt Collectors Accountable to Tenants for Illegal Evictions

April 19, 2021

Consumer Groups Support FCC Allowing Limited Automated Calls Related to COVID-19  from Lenders to Customers

April 10, 2020

U.S. Dept. of Education and Secretary DeVos Sued for Illegally Seizing Student Borrowers’ Paychecks During Coronavirus Emergency

May 1, 2020

CRL and NCLC Research Reveals Two-Thirds of Navient Borrowers Enrolled in IDRs and Making Voluntary Loan Payments During COVID Student Loan Pause Are Underwater

August 16, 2021

Federal Emergency Broadband Benefit (EBB) Program to Launch Wednesday

May 11, 2021

Advocates Praise California Public Utility Commission’s Unanimous Vote to Pass Utility Shut-Off Protections for Residents

June 12, 2020

More Massachusetts Residents Fall Behind on Utilities, With Record Winter Bills on the Way 

November 8, 2022

Advocates Applaud HUD’s Actions to Protect Vulnerable Widows and Widowers and Prevent Avoidable Foreclosures

May 12, 2021

From the NCLC Digital Library

Surviving Debt

A leading resource for over 25 years, this fully updated, 2021 edition of Surviving Debt provides precise, practical, and hard-hitting advice from the nation’s consumer law experts on how to deal with crushing debt affecting millions of Americans.

Learn More