The City Bar Justice Center’s Consumer Bankruptcy Project advises New Yorkers struggling with consumer debt on their options and eligibility to file for bankruptcy relief – and, through its new student loan practice, also assists borrowers with federal and private student loans via community education and individual counseling.

Unexpected life events such as divorce, loss of income, and illness are among the many reasons individuals with limited economic means struggle to pay back their creditors.  They are often harassed by debt collectors, have their incomes garnished, and risk having their minimal assets seized, pushing them further into poverty. The Consumer Bankruptcy Project provides qualifying individuals with the information and resources they need to manage their debt more effectively, take control of their finances, make informed decisions about loan repayment options and, where possible, utilize bankruptcy as a form of relief.

Ramona Morel directs the Consumer Bankruptcy Project and Jennifer Arocha is the project coordinator.