***Disclaimer: EDL has provided the following information for informational purposes only. This information is not legal advice. Instead we offer it as a resource to seek help. If any EDL clients want personal items like books or paintings put on our website please contact THANKS.***





       2016     2015     2014




   HELPS is a nonprofit law firm. Their purpose is to provide ongoing legal representation so you do not have to deal with debt collectors. HELPS will. Not you. Those annoying phone calls and letters by debt collectors will stop once you join HELPS. Also social security income is protected from debt collectors under federal law.


How do I enroll in the HELPS program and am I eligible?


   All you have to do is call. There are no forms to fill out. The entire process is easy. The HELPS phone

   number is: 855-435-7787.



       • Senior Citizens

       • Disabled Persons


How much does it cost to enroll with HELPS?


   HELPS is a 501c charity. With that said, costs are minimal In fact, some individuals receive assistance for free. No one is ever turned away. There are no costs to enroll.

($0-$40 a month depending on income level).


How long does it take before debt collectors leave me alone?


Within 24 hours, HELPS sends your debtors a letter advising them that HELPS represents you. "2-4 weeks" after that those harassing phone calls and letters will stop.


What are some laws that protect me from debt collectors?


  • The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive collection practices
  • ERISA is an acronym for the Employee Retirement Income Security Act of 1974. This law protects almost all forms of retirement such as pensions from collection by judgment creditors


  •  FEDERAL LAW requires debt collectors to stop calling or sending letters whenan individual is represented by an attorney. HELPS provides you with the representation you need. Debt collectors will only be able to communicate with the attorney, HELPS. Not you.
  • If you need help with debt collectors please call HELPS today at 855-435-7787.
  • The HELPS website has more educational information. A very brief summary has been provided above.


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