Q: Is there a free service that can help me respond to a consumer credit transaction summons
A: Depending on where you are and whether you qualify, there may be such services. In New York City and a few other places throughout the state, there is something called CLARO (the Civil Legal Advice and Resource Office) which holds free self-help sessions at the courthouse to assist defendants in preparing answers and otherwise defending such lawsuits. CLARO has a website, www.claronyc.org. If there is no CLARO where you are, there may be a volunteer lawyers project or a nonprofit legal services provider (such as Legal Aid, Empire Justice, Neighborhood Legal Services), which may be able to represent you for free if your income qualifies you to receive such services. There may also be a self-help desk operated by the court. I would suggest contacting the clerk of the court where you were sued and contacting the county bar association for your county and asking them who you should contact locally.
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