Consumer Debt Help for New York

New York Consumer

Dealing with consumer debt can be scary. It is natural to be unsure of what to do, but it is crucial that you understand the process, gather the right resources, and most important – TAKE ACTION!
The video on the right explains the consumer debt legal process in New York, step-by-step. If you prefer to see only the sections that might be most relevant to your situation, visit
Below, you'll find links to online forms that will help you create important documents, information related to different consumer debt issues, and hours and locations for CLARO assistance clinics where you can get help from a lawyer.

Debt Verification Letter

This free program will help you write a letter to a debt collection agency that is trying to collect money from you. You cannot send this letter to an original creditor (for example, a bank that gave you a credit card), but only to a debt collection agency.

Answer & Demand for Documents in NYC

This free program will help you complete an Answer to defend your rights in court. It will also help you demand information about your case from the company that is suing you. Note: NYC ONLY

Vacate a Default Judgment

This free DIY Form will create a document that tells the court why you didn't respond to a consumer debt lawsuit. For example, you might not have gone to court because you never received notice of the case.

Resources for New York

Debt Collection Basics

Answers to FAQs about debt collection in NY.

Your Rights against Debt Collectors in NYC

Understand what debt collectors are and are not allowed to do. Note: NYC ONLY

Common Defenses

Understand what a defense is and which ones apply in your case. Note: NYC ONLY 

Negotiating with Debt Collectors

Learn when you should consider negotiating a settlement.

Exempt Income

Debt collectors are not allowed to take certain kinds of income – learn about them here.

Frozen Bank Accounts

Understand why you cannot get money from your account and what you can do about it.

Default Judgments in NYC

Learn what to do if you never received notice that you were being sued. Note: NYC ONLY

Credit Reports and Credit Scores

Learn what a credit report is, why it is important, and how to get a copy of yours.


Have Other Questions about Consumer Debt?

Visit LawHelpNY's Consumer Debt section to learn more.

CLARO Clinics & Legal Help


Time: Thursday 3:00-6:00PM
Location: Bronx Supreme Court; 851 Grand Concourse, Bronx, Room B128A, NY 10451


Time: Thursday 2:30-4:30PM and 6:00-8:00PM
Location: Kings County Civil Courthouse; 141 Livingston Street, Room 403, Brooklyn, NY 11201


Time: Thursday 6:00-8:00PM
Location: New York City Civil Courthouse; 111 Centre Street, Room 105, New York, NY 10013


Time: Friday 1:30-4:00PM
Location: Queens County Civil Courthouse; 89-17 Sutphin Blvd, Room 116, Queens, NY 11435

Staten Island

Time: Click to see dates and times.
Location: Richmond County Civil Courthouse; 927 Castledon Avenue, 2nd Floor, Staten Island, NY 10310


Time: Thursday 2:00-4:30PM
Location: Westchester County Courthouse; 111 Dr. Martin Luther King Jr. Blvd, Room 1803, White Plains, NY 10601


Time: Tuesday 5:00-7:00PM
Location: BFNC Hope Center; 2495 Main Street, Suite 260, Buffalo, NY 14214

Other Locations

If you do not live in one of the above locations, you can also find legal assistance for consumer debt issues across New York State on LawHelpNY.