Know your new consumer rights
Debtor-Creditor Law: Consumer
Some consumer debt issues can be handled in small claims court, such as minor billing disputes. But for larger or more complex disputes with a creditor, perhaps the repossession of a car despite having made your payments, it often pays to hire an attorney. In many cases, an attorney will collect payment only if you win your case.
You might consider hiring a lawyer if you are having a dispute over credit card debt that cannot be resolved by contacting the financial institution. Or perhaps you were turned down for credit because of your skin color, gender, or some other protected characteristic. A debtor-creditor attorney also may be able to help you rebuild your credit by helping you choose a reputable credit counseling service and better understand your consumer rights.