HFS uses a network of law firms located throughout the country to provide Chapter 7 and Chapter 13 bankruptcy legal services.


Legal Advocates for Seniors and People with Disabilities (LASPD) is a legal service program for those individuals whose sources of income and assets 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. 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).  (See the DEBT COLLECTION ABUSES discussion below.)


For consumers who owe the Internal Revenue Service back taxes, either business or personal, HFS can direct them to specialists who can negotiate with the IRS. Remedies include installment agreements and offers-in-compromise. The latter allows the consumer to negotiate a cash settlement for substantially less than what is owed.


The Fair Debt Collection Practices Act (FDCPA) protects a consumer from unfair, harassing and deceptive collection practices on the part of third-party collection organizations (i.e., outside collectors hired by the original creditor).  It allows the consumer to sue the company violating FDCPA rules and receive statutory damages up to $1,000.00 plus attorney fees and the underlying debt may be eliminated.
In various situations, Social Security provides for disability income (called SSDI or SSI). However, the application process can be long and complicated so a lawyer familiar with this area may be helpful. And if the application is denied, legal representation becomes especially important.