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Debt Tools and Resources


Below is a list of important resources and links we have compiled:


Consumer Financial Protection Bureau: The CFPB was created under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The purpose of the CFPB is to promote fairness and transparency for mortgages, credit cards, and other consumer financial products and services.


National Association of Consumer Advocates: NACA is an organization of attorneys who have represented hundreds of thousands of consumers victimized by fraudulent, abusive, and predatory business practices. As a national organization fully committed to promoting justice for consumers, NACA’s members and their clients are actively engaged in promoting a fair and open marketplace that forcefully protects the rights of consumers, particularly those of modest means. Culik Law attorneys are members of NACA.


National Consumer Law Center: Since 1969, the nonprofit National Consumer Law Center has used its expertise in consumer law to work for consumer justice and economic security for low-income and other disadvantaged people, including older adults, in the U.S. Culik Law has co-counseled with the NCLC on consumer rights cases.


National Association of Consumer Bankruptcy Attorneys: NACBA is the only national organization dedicated to serving the needs of consumer bankruptcy attorneys and protecting the rights of consumer debtors in bankruptcy. Culik Law attorneys are members of NACBA.


Federal Trade Commission: The FTC’s mission is to prevent business practices that are anticompetitive or deceptive or unfair to consumers; to enhance informed consumer choice and public understanding of the competitive process; and to accomplish this without unduly burdening legitimate business activity.


Massachusetts Division of Banks: The Massachusetts Division of Banks supervises and regulates banking entities in the Commonwealth of Massachusetts to ensure consumer protection while promoting a competitive industry.


Massachusetts Attorney General: Attorney General Maura Healey is the chief lawyer and law enforcement officer of the Commonwealth of Massachusetts. Her office is an advocate and resource for the Commonwealth and its residents in many areas, including protecting consumers, combating fraud and corruption, protecting civil rights, and promoting meaningful economic recovery.


Massachusetts Trial Court Law Libraries: There are seventeen Trial Court Law Libraries located across Massachusetts to serve the courts, attorneys, and the public. The libraries have numerous resources available both online and on location at branches. The libraries also have excellent compilations of law about Debt Collection and Credit and Banking.


Supreme Court of the United States: The Supreme Court of the United States is the highest federal court of the United States. It is the final interpreter of federal constitutional law.


Massachusetts Supreme Judicial Court: The Supreme Judicial Court, originally called the Superior Court of Judicature, was established in 1692 and is the oldest appellate court in continuous existence in the Western Hemisphere.


Massachusetts Trial Courts Electronic Case Access: This system provides online public access to information about cases throughout the Trial Court of the Commonwealth of Massachusetts.


NMLS Consumer Access: NMLS Consumer Access is a free service for consumers to confirm that the financial-services company or professional, such as a debt collector or mortgage broker, with whom they wish to conduct business is authorized to conduct business in their state.