Consumers

Defusing Debt: A Survey of Debt-Related Civil Legal Aid Programs in the United States

In order to better understand the work that civil legal aid programs are doing to serve some of the nation’s consumers, the National Consumer Law Center (NCLC) developed this survey to gather data about what kind of representation organizations provided to clients who are being contacted or sued by debt collectors, debt buyers, or creditors. Sixty-four civil legal aid organizations completed the comprehensive survey.

Rubber Stamp Justice: US Courts, Debt Buying Corporations, and the Poor

Incorporating over 100 interviews as well as relevant literature and empirical data, this Human Rights Watch article develops a comprehensive assessment of practices that fail to serve equal access to justice in debt buying cases. Additionally, it describes potential solutions to alleviate inequality in the courts through reform legislation and increased funding for legal aid programs focused on serving low-income clients.

Identity Theft: A Low–Income Issue

In this article, Dranoff identifies how identity theft is particularly harmful for low-income individuals. Because identify theft often brings financial loss, those without a financial cushion are often impacted more negatively.