NOTICE: DUE TO THE HOLIDAY THE HOTLINE WILL BE CLOSED ON MONDAY OCTOBER 12TH 2026

Why come to CLARO?

 

Sued by a Creditor in Civil Court 

If you’re being sued by a creditor in Civil Court, we might be able to help. The legal process can be confusing, and it could make a huge difference to your case to get legal advice before you commit to important decisions.

Consumer Debt

If you have encountered issues with consumer debt (credit cards, cell phones, store cards, student loans, utilities, car loans, medical debt, etc.) that might lead to a court case, you can come an get information and advice.

  • Bronx, Manhattan, and Staten Island CLARO only help with credit card debts (included store-branded credit cards).
  • Check with Brooklyn and Queens CLARO to find out what kinds of cases they assist with.

Let Us Help

If it sounds like CLARO could help you, please redirect yourself to the home page and click the link to your borough for more information on where to come and what to bring. For more information on the CLARO program, please watch the below video. Please note that this video has some outdated information. Currently, information about money judgments are not permitted to appear on credit reports. In addition, the statute of limitations for consumer credit actions in New York State is three years.