Strategic Infrastructure for Consumer Debt Protection
Is your Lender Over Charging You? Payday loans, rent deferment, credit cards and other lenders sometimes charge exhorbitant rates for short term loans. Use the calculator below, you may have legal recourse (especially in NY).
NOTICE: This mathematical diagnostic tool is for informational purposes only. It is not legal advice.
NY Advocacy Resources
Legal Services NYC (LSNYC)
Free legal aid for New Yorkers. Call: 917-661-4500
NY Office of Civil Justice (OCJ)
Official intake for legal review. Email: civiljustice@hra.nyc.gov
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Effective Date: February 14, 2026
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