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?
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.
Dealing with debt collectors
Get the answers to your questions about debt collection.
Write a debt verification letter to make sure the debt is yours.
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.
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.
Find someone to help you
Use the Consumer Help Finder
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
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