Legal Help in North Carolina

Getting a Loan

Before you take out a loan, learn more about the risks and benefits through these resources

• Mortgages & Home Loans, NC Dept. of Justice (NC DOJ) - The NC DOJ provides advice on finding a lender, dealing with foreclosure or loan modification, avoiding predatory loans, and more.
• Credit and Loans (Federal Trade Commission) - Here the FTC provides advice on handling your credit and about different types of loans including car, payday, and pension loans.

Negotiating Debt

Before you work with any company claiming to provide debt relief, check the resources below. Scammers may pose as legitimate debt-relief providers. Others may charge high prices to help you. Below are links to better options.

• Know Your Rights - Debt Collection & Repossession - LawHelpNC.org provides debt information for consumers.
• National Foundation for Credit Counseling - A national credit counseling non-profit organization that helps consumers handle all kinds of debt.
• Loans & Credit  - Information from LawHelpNC about structure and consequences of various loan & credit products.
• Dealing with Debt - The Federal Trade Commission gives tips for dealing with debt.
• Bankruptcy - Protecting Your Property - Options to protect some property from debt collection.

Consumer Assistance

Protecting Consumers, North Carolina Dept. of Justice - Information on avoiding scams, protecting your rights and filing complaints concerning purchases and loans, including car, student, payday and other loans.