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  • Bankruptcy

    Bankruptcy is the legal way for a business or person to get help when they can’t pay the money they owe. If problems arise because of the amount of debt, people can get a fresh financial start by filing for bankruptcy within the court system. Bankruptcy can stop foreclosure on…

    Financial Matters

    Debt & Creditors

  • Bill Collections and Harassment

    When you are unable to pay your debts, it can become overwhelming. After a certain period of time of not receiving a payment on your debt, a creditor can decide to refer your account to a collection agency, sometimes known as a “third party.” A collection agency takes over the…

    Financial Matters

    Debt & Creditors

  • Budgeting Tips

    Ever wonder where all your money goes each month? Creating a budget is one way to help find your extra dollars. A budget is simply a plan to spend and save your money each month. Setting goals and sticking to them is a great way to be able to make…

    Financial Matters

    Debt & Creditors

  • Credit Reporting

    Credit is the ability to borrow money and repay it later. Credit allows you to get the things you need now, like a car or a house, based on your promise to pay over time. When people talk about having “good” or “bad” credit, they’re usually talking about their credit…

    Financial Matters

    Debt & Creditors

  • Dealing with Contractors

    Natural disasters cause damage to homes, businesses, and city infrastructure. When the storm passes and you are able to investigate the damage, scammers come around. Contractors claiming to be something they are not can take your money and run. People like  roofers, carpenters, and plumbers may claim to help you…

    Family & Personal

    Housing

    Financial Matters

    Disaster Relief

  • Debt & Creditors

    Consumer Rights A consumer is a person who purchases goods (such as groceries) or services (such as a hair cut), which may be sold by manufacturers, wholesalers, or retailers. Consumer law exists to protect people in everyday life. The laws are official rules and regulations to maintain an honest and…

    Financial Matters

    Debt & Creditors

  • Deficiency on a Loan or Mortgage

    Automobile loans and home mortgages are the most common types of loans consumers get from lenders (banks/financial institutions). Once you get a loan, you now have what’s known as “collateral”, which is the home or the car you just bought. Collateral can also be property or another asset you offer…

    Financial Matters

    Debt & Creditors

  • Disaster Deadlines

    Community Legal Services helps people affected by disasters by providing no-cost disaster recovery legal services and assistance in identifying other available resources. This page provides a collection of information to help you and your family members when faced with disaster along with specific deadlines based on the disaster. Contact us…

    Financial Matters

    Disaster Relief

  • Disaster Preparation and Recovery

    Community Legal Services helps people affected by disasters by providing no-cost disaster recovery legal services and assistance in identifying other available resources. This page provides a collection of information to help you and your family members when faced with disaster. Contact us when you need legal help with your disaster…

    Financial Matters

    Disaster Relief

  • Disaster Relief

    Community Legal Services helps people affected by disasters by providing free disaster recovery legal services and assistance in identifying other available aid resources. For these purposes, a declared disaster requires that an emergency and major disaster declaration has been made in order to activate FEMA service availability.  This statute states in…

    Financial Matters

    Disaster Relief