JUDGMENT PROOF 
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.

BANKRUPTCY
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.

FAIRSHAKE ALLIANCE
DEALING WITH DEBT COLLECTION ABUSES BY "THIRD PARTY" COLLECTORS 
Fairshake and HFS use the Fair Debt Collection Practices Act (FDCPA) to protect 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).  The Act allows the consumer to sue the company violating it`s rules and receive statutory damages up to $1,000.00 plus attorney fees and the underlying debt may be eliminated.

SOCIAL SECURITY DISABILITY CLAIMS
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.

TEMPORARY RELIEF FROM CREDITOR CONTACTS
If a consumer is currently having real difficulty paying their bills, HFS may be able to get creditors to stop contacting the consumer for a while.  Please go to our site:  https://icantpay.info.

CHECKING CREDIT REPORTS
We can help you get your credit reports to check for accuracy.  If inaccuracies are discovered, we can help you remove them, including legal action, if necessary.