Consumer Debt

SLOLAF can help consumers with “pandemic debt” (debt incurred between 2020 and 2022) with matters including predatory lending, advice about and defenses to debt collection practices, wage garnishment and bank levy defense, help with credit reporting problems and credit discrimination, bankruptcy, and other debt matters including student loans, auto loans, credit card debt and medical debt.

Are you being harassed by creditors?

Are debt collectors posting messages to your social media accounts?

Have you been sued by a debt collector?

SLOLAF’s Consumer Debt Services program assists low-income SLO County residents with enforcing their rights related to consume debt, including your rights to:

Be free from harassment
Be free from false or misleading representations
Be free from debt collection due to identity theft
Stop the contact from debt collectors
Request verification of the debt
Dispute any alleged debt
File a complaint with governmental agencies

Call SLOLAF at (805) 543-5140 to find out if you are eligible for our services. Please be prepared to explain your situation and have on hand any paperwork you have received.

You may also send an email with your legal inquiry to: civillawintake@slolaf.org.