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Do you have debt you can't afford to pay?

Are You Receiving Social Security, Pension or Disability Income?


HELPS is a nonprofit law firm and 501(c)(3) charitable organization. We serve senior citizens and disabled persons struggling with debt.

Call HELPS now to learn how your retirement income is protected by law and how we can help.

Thank you for your information.

Need immediate help? Call 855-435-7787 to speak to a HELPS representative.

Internet Payday Loans

Overseas debt collectors may relentlessly call a victim’s home, cell phone, and place of employment in attempts to obtain payment.

Most payday loan companies that solicit over the internet are based overseas. Because they are not in the United States it is not possible to sue them for violating unfair debt collection laws. Therefore, when they attempt to collect they will say anything to obtain payment including the threat of criminal action. It is not a crime not to pay a payday loan. There are numerous reported instances of pure scammers calling from who knows where impersonating attorneys, law enforcement personnel, courts, and other government employees in an attempt to collect on old pay day loans. The FBI has a press release on this topic. Unfortunately, these criminals are likely overseas using internet phones and probably beyond the reach to be sued.

We advise you not to communicate with them. It does no good to refer them to HELPS- they don’t care. They will lie and say anything they can to scare you and get you to pay. Just hang up or don’t take their call. You can refer them to us as your attorney but it doesn’t guarantee that they won’t call back. If you have given them a check number for your bank account we advise you to either change bank accounts or to make very sure that your bank never honors a deduction requested by them- ever. They are very good at skirting the system. Of course you can always call and talk to us if you are ever concerned.

Learn More About Other Issues and What HELPS Can Do For You.

Peace of Mind
These HELPS clients were dealing with harassing debt collectors and anxiety over old Debt. HELPS provided a solution to their financial worries.