Consumer Protection

CJLS helps clients who are victims of fraud or have issues with creditors or lenders.

We can assist with filing for bankruptcy or responding to a bank levy or wage garnishment. We can also help clients protect their homes from foreclosure. Eligibility for services is determined on a case by case basis. These are some of the problems we can help with:

Consumer protection issues
Debt collections
Bankruptcies
Mortgage foreclosures
Bank levies and wage executions
Consumer fraud
Home improvement issues

FYI:
If you have been sued and you dispute owing the money, you have to file an Answer with the Court by a deadline which is usually stated on the Summons.

In Law Divisions cases and foreclosures, it’s 35 days from the day the Complaint was delivered to your home.

If you are unable to discuss it with us before that deadline, file your own Answer with the Court and then talk to us.

We do not take actions in Small Claims Court but we can give advice about representing yourself.

If we think a private attorney will handle your suit without charge to you, we will try to find one.

We only do bankruptcies for people who are not judgment proof, which usually means people who are earning wages that could be garnished, but we will discuss with any eligible client.

Learn more about Judgment Proof

This page is a general explanation of our services. Eligibility for free legal services is determined on a case-by-case basis. Depending on the facts of your case, you may receive information and advice or we may agree to represent you in court.