Schedule a free consultation with a consumer attorney.

You don’t have to be sued to get assistance from an attorney. Consumer attorneys represent consumers in all kinds of debt collection situations, and most of them offer a free initial consultation.

A consumer attorney can also tell you if a debt collector is charging you too much or using illegal abusive tactics.
Legal aid agencies and nonprofit organizations in your area also might be available to give you free legal advice or representation, if you can’t afford to hire an attorney.