Self-Help Resource Library
Download free worksheets, checklists, and organizers. Each is a fillable text file you can save, print, and complete at your own pace.
Monthly Budget Worksheet
Budgeting · TXTA fillable worksheet to list income, essential expenses, debt payments, and savings.
Debt Inventory
Debt · TXTList every debt you owe — creditor, balance, interest rate, monthly payment, and status.
Creditor Contact List
Debt · TXTKeep track of who you owe and how to reach them, including any hardship program you requested.
Collection-Call Log
Collection Calls · TXTRecord every call, text, or message from a debt collector to document potential violations.
Lawsuit Deadline Worksheet
Lawsuits & Court · TXTTrack court papers, the response deadline, and key dates so nothing is missed.
Credit-Report Review Checklist
Credit · TXTA step-by-step checklist for reviewing your credit reports from all three bureaus.
Credit-Report Dispute Organizer
Credit · TXTOrganize each dispute — what is wrong, who you disputed with, and the response.
Identity-Theft Document Checklist
Identity Theft · TXTTrack steps and documents if you suspect identity theft.
Garnishment and Frozen-Account Checklist
Garnishment & Frozen Accounts · TXTDocument exempt funds and steps if your wages are garnished or account is frozen.
Attorney-Consultation Preparation Sheet
Attorney Preparation · TXTPrepare for a consultation so your time is productive and organized.
Evidence-Preservation Checklist
Evidence & Records · TXTMake sure you keep the documents and records that protect your rights.
Financial Stress Action Plan
Wellness · TXTSmall, manageable steps to reduce financial stress and regain a sense of control.
Public Legal Materials Library
A curated index of 5,763 free, public consumer-law materials from NCLC, NACA, and court self-help centers. Links open the original source — we do not host or republish the content.
TCPA Claim Guide
Was that call legal? This is a guide to spotting violations of the Telephone Consumer Protection Act.
Loan Rehabilitation
Loan rehabilitation is one way to get your student loan out of default.
Training for Financial Counselors & Other Professionals
Level Up Your Student Loan Advising–Introducing NCLC’s New Free Training Series Student loan debt is a major financial challenge for millions of people.
Repayment Changes Slides
PDF from NCLC's Student Loan Borrower Assistance site: Repayment Changes Slides.
What Housing Counselors Need to Know About Student Loans in 2026
This year has been filled with significant changes in the federal student loan system and, as a housing counselor, you may see more people struggling with their student loan debt.
2026.09_Issue Brief_What Housing Counselors Need to Know About Student Loans in 2026
PDF from NCLC's Student Loan Borrower Assistance site: 2026.09_Issue Brief_What Housing Counselors Need to Know About Student Loans in 2026.
Florida Attorney General: File a Complaint
General consumer complaints plus dedicated forms for price gouging, mortgage servicing/foreclosure, military and veterans, and Florida Digital Bill of Rights violations. A printable mail-in form is available.
California Attorney General: Consumer Complaint Against a Business/Company
Online complaint form (also printable for mail), available in English, Spanish, Chinese and Vietnamese, for complaints against a business or company.
Wyoming Attorney General: Consumer Complaints
How to file a consumer complaint in Wyoming. The office reviews and responds in writing to properly filed complaints and may forward a complaint to the business. Try to resolve the issue with the business first.
Pennsylvania Attorney General: Submit a Consumer Complaint
Online or printable consumer complaint form (English/Spanish) for problems with a business, plus separate forms for aviation, antitrust and Do Not Call complaints.
New Jersey Division of Consumer Affairs: File a Complaint
File a consumer complaint against a business online or by email. Consumer Service Center hotline (973) 504-6200, toll-free in NJ (800) 242-5846; office at 124 Halsey Street, Newark. Information you submit may be public under the Open Public Records Act, so do not include sensitive personal data.
Texas Attorney General: File a Consumer Complaint
Official complaint portal for deceptive or unfair business practices in Texas, with guides on automotive scams, common scams, identity theft and protecting seniors.
Tennessee Attorney General: Protecting Consumers (Division of Consumer Affairs)
The AG enforces the Tennessee Consumer Protection Act. The Division of Consumer Affairs is the clearinghouse for complaints about unfair or deceptive practices. The office cannot represent individual consumers.
Maryland Attorney General: Business (Consumer) Complaints
The Consumer Protection Division mediates disputes between consumers and businesses (goods, services or credit for personal/household use). Health billing and insurance complaints use a separate form.
Arizona Attorney General: File a Consumer Complaint
Complaints about deceptive or unfair sales and advertising are reviewed under the Consumer Fraud Act. With your permission the office forwards the complaint to the business for informal resolution. Phoenix (602) 542-5763, Tucson (520) 628-6648, elsewhere in AZ (800) 352-8431.
A Call for a Data Center Health Protection Pledge: Joint Statement from National Health, Consumer & Environmental Organizations
In this letter, a coalition of leading national health, environmental and consumer organizations call on the Administration to develop a Data Center Health Protection Pledge and urged Congress to ensure that health costs are addressed alongside electricity costs as it considers how to respond to rap
40+ Groups to Senate: Federal Courts Are an Affordability Issue
40+ Groups to Senate: Federal Courts Are an Affordability Issue WASHINGTON — A coalition of more than 40 organizations on Tuesday urged senators to confront the role the federal courts
When Solar Deals Collapse: Lender Liability, Bankruptcy, and the New Front Line of Consumer Solar Litigation
Public NACA event listing page; attendance/registration may require a fee.
TAYLOR v. CLEARA, LLC – Complaint (PAED 2:26-cv-07456)
COMPLAINT (CLASS ACTION) against CLEARA, LLC ( Filing fee $ 405 receipt number APAEDC-19686309.), filed by RYAN MICHAEL TAYLOR, JUAN GONZALEZ. (Attachments: # 1 Civil Cover Sheet, # 2 Designation Form)(FRANCIS, JAMES) (E (16 pp.)
Comment: NACA Joins Comment to FTC on Surveillance Pricing
NACA joined public interest groups on a comment submitted to the Federal Trade Commission (FTC) in response to a request for comment on its Proposed Enforcement Policy Statement Regarding Personalized
Comments on the FTC’s Proposed Enforcement Policy Statement Regarding Personalized Pricing
This comment on the Federal Trade Commission’s proposed enforcement policy statement regarding personalized pricing urges the FTC to specify that the same policy applies to debt collection discounts and settlement offers, which are increasingly calculated using artificial intelligence or analytics.
Comments to the FTC’s Proposed Enforcement Policy Statement Regarding Personalized Pricing
These are comments from a coalition of consumer groups and consumer law academics regarding the Federal Trade Commmission (FTC)’s proposed guidance requiring disclosure of personalized (aka surveillance) pricing.
Direct Testimony and Exhibits, NCLC on Behalf of Maryland Office of People’s Counsel, CN988 Before Maryland Public Service Commission
Maryland utility company, BGE, filed a prepaid service proposal as part of its request for a rate hike.
NACA Litigation Project
The National Association of Consumer Advocates Litigation Project supports and enhances consumer protection through both our direct engagement in significant litigation as co-counsel and as a plaintiff, and by providing amicus assistance to consumer attorneys in important cases…
These materials are hosted on third-party websites (NCLC, NACA, and court/government portals). Links are provided for research and educational convenience. We do not control, endorse, or guarantee the accuracy of third-party content, and linking does not create an attorney-client relationship. Some sources restrict republishing or automated use — please respect each site's terms.
Important: These worksheets are general tools. We do not automatically generate legal pleadings, and no form is appropriate for any particular person without jurisdiction-specific attorney review. Do not submit sensitive information (SSN, full account numbers, medical records) on these worksheets.
General educational information. This is not legal advice and does not create an attorney-client relationship. Attorney Amy Ginsburg is responsible for the content of this communication.