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Welcome to the LSNJLAWSM website, provided by Legal Services of New Jersey (LSNJ). LSNJ is a 501(c)(3) nonprofit offering free civil legal assistance to low-income people in New Jersey. Find legal information by clicking on a legal topic or typing a few words into the search box.

> Legal Topics > Consumer, Credit, and Debt Issues
Consumer, Credit, and Debt Issues

Consumer, Credit, and Debt Issues

Learn about problems paying bills, buying cars, using credit cards, how to avoid bad loans, how to file for bankruptcy, how to avoid foreclosure, and more.

Credit Reports and Credit Scoring