If a creditor or collection agency sues you, go to court ...
New York City Office of Financial Empowerment. 3-1-1 or 212-NEW-YORK (outside NYC) The city offers free financial counseling to residents. For details, see New York City section below or just call 3-1-1 in the city. The National Foundation for Credit Counseling. www.nfcc.org. www.debtadvice.org. 800-388-2227 (English) 800-682-9832 (Spanish) ................
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