Consumer Debt Help for Western New York

Western New York Consumer Resources

Consumer Self-Help Tools

for residents of Central and Western New York 


Are you having problems with money and debt?

Are you a victim of identity theft or consumer fraud?

Did you lease or buy a used car that is a lemon?

Is your bank account frozen? 


Find forms, information, and legal help for the consumer issue you are facing here. 

What do we mean by consumer?

         price tag with a money sign

You might usually think of yourself as a consumer when you are buying things at the store.

You are also a consumer when you are borrowing money or using banks.

If you think you are victim of a scam or identity theft, those are also consumer issues.


We welcome your feedback. Please take this short survey to help us make this page better.

Dealing with debt collectors

Get the answers to your questions about debt collection.

Send a letter to get the collector to stop contacting you.

More consumer problems

Student loan issues
What happens if you miss your student loan payments?

Issues with your bank account
Learn about frozen bank accounts and what you can do about it here.

Credit reports and Credit scores
Learn what a credit report is, why it is important, and how to get one.

Consumer Protection or Fraud Issues
Call the Attorney General's Consumer Hotline at 1-800-697-1220 to report fraud or scams, including debt collection scams, online or telephone scams, home improvement or contractor fraud, and problems with car dealerships and mechanics.

This portal was made possible through funding from the Legal Services Corporation. This site was developed in collaboration with Legal Assistance of Western New York Inc, Legal Aid Society of Mid-New York, Neighborhood Legal Services, Neota Logic and Pro Bono Net. Special thanks as well to the New York Bar Foundation. 

Being sued for a debt

Use this program to create an Answer, Unfreeze Bank Account Letter, Improper Garnishment Letter, or Motion to Dismiss.

Find more information on filing an answer here.

Learn what defenses you may have if you have been sued by a debt collector.

Take action if you received an information subpoena.

Ask the court to vacate a default judgment against you.

We want your feedback.

Please take this 4 question survey to help us make these tools better. 

Need more help?

Visit our Money and Taxes section for more answers.

Are you an advocate?

Watch this training on LawHelpNY

This webinar on LawHelpNY and the consumer self-help tools can help you connect the people you serve to the solutions they need. 


Find someone to help you

Use the Consumer Help Finder

Consumer Help Finder Button

Click on the Consumer Help Finder button to see if you can talk to a free lawyer or be connected to a hotline through one of your local legal aid offices. 

Chat with our volunteers now on LiveHelp

Click on the LiveHelp button to start chatting with a volunteer now.
What is LiveHelp? 

Find legal help on LawHelpNY.

Search for free legal help near you using our find a lawyer directory.

Find a  walk-in clinic near you for free legal advice

CLARO in Buffalo 

Tuesdays from 5 PM – 7 PM at BFNC
45 Jewett Avenue, Suite 250A
(Corner of Leroy and Halbert)
Buffalo, NY 14214

Fridays from 10 AM – 12 PM at
Buffalo City Court
7th Floor, Part 15
50 Delaware Ave
Buffalo, NY 14202