Legal Advocates for Seniors and People with Disabilities (LASPD) is a legal service program for those individuals whose sources of income are protected by law. The sources of income include: Social Security, Disability, ERISA Pensions, Veteran's Benefits, Worker's Compensation, Public Assistance, Child Support and Alimony. Although these sources are protected, they often do not provide their recipients with sufficient income to pay their unsecured debts. (In general, there are no minimum or maximum limits on individual debts or the combined amount.) LASPD attorneys explain this situation to creditors, advise these creditors to direct communication to them and request that they cease collection activity. In those cases where creditors continue to harass clients using third party collectors, LASPD attorneys may decide to sue them under the Fair Debt Collection Practices Act (FDCPA). Please see the DEBT COLLECTION ABUSES discussion below. And you can click on the Legal Advocates link above to go directly to the LASPD website.
HFS uses a network of law firms located throughout the country to provide Chapter 7 and Chapter 13 bankruptcy legal services for consumers who have unsecured debt of at least $10,000 and want that debt permanently eliminated.
DEBT COLLECTION ABUSES BY "THIRD PARTY" COLLECTORS