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- 4 min read
Where to Find No-Cost Legal Aid if You Have Low or No Income
Don't give up if you cannot afford a lawyer. Chances are, there are several organizations in your area that provide low- and no-cost legal aid to people with low income.
The table below contains links to legal aid organizations in all US states plus the District of Columbia.
The table also includes links to state consumer protection organizations that may be able to help you.
Legal assistance contacts. Source: Bills.com
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Debt statistics
If you are struggling with debt, you are not alone. According to the NY Federal Reserve total household debt as of Quarter Q1 2024 was $17.69 trillion. Student loan debt was $1.60 trillion and credit card debt was $1.12 trillion.
A significant percentage of people in the US are struggling with monthly payments and about 26% of households in the United States have debt in collections. According to data gathered by Urban.org from a sample of credit reports, the median debt in collections is $1,739. Credit card debt is prevalent and 3% have delinquent or derogatory card debt. The median debt in collections is $422.
Collection and delinquency rates vary by state. For example, in Florida, 13% have student loan debt. Of those holding student loan debt, 9% are in default. Auto/retail loan delinquency rate is 4%.
While many households can comfortably pay off their debt, it is clear that many people are struggling with debt. Make sure that you analyze your situation and find the best debt payoff solutions to match your situation.
