EXPOSING THE PROBLEM
If you are charged with a crime in the United States, you have a right to legal representation. But, if you are scammed out of your life savings or are a victim of unscrupulous medical debt collection, you are on your own.
Millions of low-income Washingtonians face legal problems that impact their daily life.
In case after case, people represent themselves in landlord-tenant lawsuits, foreclosures, and medical debt. The outcome is often devastating.
The gap between the number of civil legal problems and the resources available to meet those needs is known as the "justice gap."
It leaves 80% of low-income households to go it alone in cases related to housing, medical debt, student loans, auto fraud and consumer scams.
Without legal help these problems can quickly spiral into losing your home, job, children and even your life.
The Debt Collection Industry
#0complaint to the Federal Trade Commission
$0Bbillion dollar industry
0debt collectors nationwide
0Bbillion consumer contacts each year
Buying a Car
$0billion paid each year by consumers who finance at the dealership
of car buyers are estimated to be defrauded each year
0car buyers of color were charged higher interest rates in one study
make much of their profits by marking up interest rates
#0cause of bankruptcy
#0income source for debt collectors
0%of debt collection lawsuits involve medical debt
0Americans with medical debt
The Student Loan Crisis
$0trillion in student loan debt
0%of students graduate with significant debt
0xthe rate of white borrowers
0xas likely to default
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