Unity Legal Resources

Free and low-cost legal help across New Jersey and Pennsylvania for the case types our community faces most — disability claims, criminal charges, family law / divorce, public benefits (welfare / SNAP / cash assistance), small claims lawsuits, tax liens, veterans benefits, and financial hardship. Every card below is a verified NJ or PA resource.

Disability Claims Public Benefits (Welfare / SNAP) Family Law / Divorce Felony Defense Small Claims Tax Liens Veterans Financial Hardship

Disability Claims — SSI & SSDI Help

Social Security disability denials are common but reversible with the right representation. Use a legal aid organization for free help, or hire an attorney on contingency (you only pay if you win). Initial applications can also be filed directly with the Social Security Administration without an attorney.

PENNSYLVANIA

Community Legal Services — Social Security Unit

Legal Aid Organization

Free legal representation for SSI/SSDI appeals for low-income Philadelphia residents. Experienced advocates handle administrative hearings, Appeals Council reviews, and federal court litigation. Income eligibility required.

  • 1424 Chestnut St, Philadelphia, PA 19102
  • (215) 981-3700
PENNSYLVANIA

Philadelphia Legal Assistance — Disability Rights Project

Legal Aid Program

Free legal services for Social Security disability appeals, including ALJ hearings and Appeals Council reviews. Also handles disability discrimination cases. Serves low-income Philadelphia County residents.

  • 718 Arch St, Suite 300N, Philadelphia, PA 19106
  • (215) 981-3800
PENNSYLVANIA

Dayes Law Firm — Social Security Disability

Private Law Firm — Contingency Fee

Philadelphia disability attorneys specializing in SSI/SSDI claims. Over 30 years of experience with Social Security appeals. Free consultations; contingency fee basis — no fee unless you win.

  • 1515 Market St, Suite 1200, Philadelphia, PA 19102
  • (215) 220-9100
PENNSYLVANIA

Benefits Data Trust — SSI/SSDI Application Help

Nonprofit Benefits Assistance

Free help applying for SSI/SSDI benefits. Assistance with forms, gathering medical records, and submitting complete applications. Also provides appeals assistance. Serves all Pennsylvania counties.

  • 1835 Market St, Suite 800, Philadelphia, PA 19103
  • (866) 454-8477
NEW JERSEY

Legal Services of New Jersey — Disability Rights Project

Legal Aid Program

Free legal representation for SSI/SSDI applications, denials, and appeals. Helps low-income individuals secure disability benefits, prepare for hearings, and navigate the Social Security appeals process. Serves all South Jersey counties.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • (856) 964-2010
NEW JERSEY

Disability Rights New Jersey — South Jersey Office

Legal Advocacy Organization

Legal advocacy for individuals with disabilities. Assistance with SSI/SSDI denials, appeals, administrative hearings, and federal court representation. Also handles disability discrimination cases.

  • 210 S White Horse Pike, Suite 204, Audubon, NJ 08106
  • (609) 292-9742
NEW JERSEY

Bross & Frankel, PA — Social Security Disability Attorneys

Private Law Firm — Contingency Fee

Experienced disability attorneys handling SSI/SSDI applications and appeals. No upfront fees — only paid if you win your case. Free consultations. Serves Camden, Burlington, and Gloucester counties.

  • 457 Haddonfield Rd, Suite 440, Cherry Hill, NJ 08002
  • (856) 795-8880

Tips Before You Apply

  • File online first: ssa.gov/disability — you can apply for SSDI/SSI directly without an attorney. Most denials happen at the application stage, not the hearing stage.
  • Gather medical evidence from every provider — specialists, primary care, mental health, ER visits. A complete medical record is the #1 factor in winning your claim.
  • If denied — appeal fast. You have 60 days from the denial letter to request reconsideration. Missing the deadline forfeits your appeal rights.
  • Most claims go to a hearing. A hearing before an Administrative Law Judge is where you hire an attorney — and where most wins happen.

Public Benefits — Welfare & SNAP Help

If your family has been denied or cut off from Temporary Assistance for Needy Families (TANF/cash assistance), SNAP (food stamps), General Assistance, or another public benefits program, free legal aid organizations in NJ and PA can help you appeal denials, fight wrongful terminations, and represent you at fair hearings before an administrative law judge. Most of these services are free of charge when you qualify by income.

NEW JERSEY

Legal Services of New Jersey — Public Benefits Unit

Legal Aid Organization

Free legal representation for low-income NJ residents in SNAP, TANF, General Assistance, Medicaid, and emergency-assistance cases. Handles denials, terminations, and fair hearings statewide. Apply by phone for eligibility screening.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • 1-888-LSNJ-LAW (576-5529)
NEW JERSEY

South Jersey Legal Services — Public Benefits Practice

Legal Aid Organization

Free help for South Jersey residents facing SNAP denials, lost TANF cash assistance, family cap issues, and benefit overpayment notices. Represents clients at fair hearings and in ongoing public benefits cases across the seven southern counties.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • (856) 964-2010
NEW JERSEY

Community FoodBank of New Jersey — SNAP Outreach & Application Help

Nonprofit Benefits Assistance

Free help applying for SNAP (food stamps) and other food-assistance programs. Bilingual outreach workers screen eligibility and walk you through the NJ SNAP application, recertification, and any reported issues. No income restrictions to use this service.

  • 31 Evans Terminal Rd, Hillside, NJ 07205 (state HQ)
  • (908) 355-3663
NEW JERSEY

Food Bank of South Jersey — NJ SNAP Application Help

Nonprofit Benefits Assistance

Free bilingual SNAP outreach and application assistance for Camden, Burlington, Gloucester, Salem, Cumberland, Atlantic, Ocean, and Cape May counties. Phone-first intake with follow-up until your benefits are active. Walk-in help available at partner pantries.

  • 150 John Tipton Blvd, Pennsauken, NJ 08110
  • (856) 662-4884
NEW JERSEY

NJ Office of Administrative Law — Public Benefits Hearings

State Administrative Court

Free self-help information on filing welfare, SNAP, and TANF appeals at the NJ Office of Administrative Law. Provides hearing calendars, instructions on filing exceptions/transcripts, and information on how to appear at the Trenton or Newark OAL court locations.

  • 33 Washington St, Newark, NJ 07102
  • (973) 648-3456
PENNSYLVANIA

Community Legal Services — Public Benefits Unit

Legal Aid Organization

Free legal help for low-income Philadelphia residents on SNAP denials, TANF cash assistance, General Assistance (GA), and benefit overpayment collections. Represents clients before the Department of Human Services and at fair hearings. Income eligibility required.

  • 1424 Chestnut St, Philadelphia, PA 19102
  • (215) 981-3700
PENNSYLVANIA

Philadelphia VIP — SNAP Fair-Hearing Representation

Pro Bono Legal Services

Free volunteer attorney representation at SNAP fair hearings, including denials, terminations, and changes in benefit amount for low-income households. Matches clients with volunteer counsel for the hearing and any follow-on appeals to Commonwealth Court.

  • 1500 Walnut St, Suite 400, Philadelphia, PA 19102
  • (215) 523-9550
PENNSYLVANIA

Benefits Data Trust — Multi-Benefit Application Help

Nonprofit Benefits Assistance

Free screening and application help for SNAP, LIHEAP (heating help), Medicaid, and other public benefits across Pennsylvania. Submit a single intake form online or by phone and BDT will follow up on every benefit you qualify for. No income requirement to use this service.

  • 1835 Market St, Suite 800, Philadelphia, PA 19103
  • (866) 454-8477

SNAP Fair-Hearing Tips

  • Don't miss your appeal deadline. Each state gives you a strict window (NJ: 90 days; PA: 30 days) from the notice date to request a hearing. Missing it forfeits your right to appeal that decision.
  • Continue benefits during appeal. In most states, your SNAP or TANF benefits must continue at their prior level if you request a hearing within 10–13 days of the change notice. Ask your worker in writing or call the legal aid office.
  • Bring paper evidence. Pay stubs, rent receipts, utility bills, a doctor's letter, childcare costs — anything that proves your household situation. Fair-hearing judges decide on the record, so organized documents win cases.
  • You can bring a helper. You do not have to be represented by a lawyer — a benefits advocate, social worker, or family member may speak on your behalf if you have written authorization.

Family Law — Divorce & Custody Help

Divorce, custody, child support, and domestic-violence family-court cases are handled through the family divisions of your county's Superior Court. Free legal aid organizations in NJ and PA can help low-income families file for divorce, respond to custody petitions, represent parents in abuse-and-neglect cases, and represent survivors of domestic violence in civil protection-order hearings.

NEW JERSEY

Legal Services of New Jersey — Family Law Project

Legal Aid Organization

Free legal help for low-income NJ residents on divorce, custody, visitation, child support, and kinship-care petitions. The central statewide intake screens for income eligibility and routes cases to the regional office. Handles uncontested divorces, motions, and post-judgment enforcement.

  • 100 Metroplex Dr, Suite 402, Edison, NJ 08817
  • 1-888-LSNJ-LAW (576-5529)
NEW JERSEY

Camden County Women's Center — Domestic Violence & Family Law

Domestic Violence Service Provider

Free and confidential services for survivors of domestic violence in Camden County: emergency shelter, civilian advocacy, and help filing restraining orders (Temporary Restraining Orders) in NJ Family Court. Also assists with divorce, custody, and child support matters connected to abuse.

  • PO Box 1417, Collingswood, NJ 08108 (mailing)
  • 24-hr hotline: (856) 227-1865
NEW JERSEY

NJ Office of Public Defense — Parental Representation Unit

Public Defender Office

Free representation for indigent parents in NJ Division of Child Protection and Permanency (DCP&P) abuse-and-neglect and termination-of-parental-rights cases. Attorney assigned at first court appearance; handles trial, fact-finding, and appeals for parents facing loss of custody.

  • 25 Market St, 8th Floor, Trenton, NJ 08625
  • (609) 588-3180
NEW JERSEY

Garden State Equality — Family Law & Name-Change Referrals

LGBTQ+ Advocacy Organization

Free legal referrals and direct representation for LGBTQ+ NJ residents on family-law matters: second-parent adoptions, name and gender-marker changes, divorce, custody, and parenting agreements. Network of pro bono attorneys across New Jersey.

  • 18 Park Ave, Suite 203, Montclair, NJ 07042
  • (973) 509-5420
PENNSYLVANIA

Community Legal Services — Family Law Unit

Legal Aid Organization

Free legal help for low-income Philadelphia residents on divorce (including no-fault and contested), custody, visitation, child support, and protection-from-abuse orders. Court-based intake at Family Court at 1501 Arch St and from ALS offices. Income-tested intake.

  • 1424 Chestnut St, Philadelphia, PA 19102
  • (215) 981-3700
PENNSYLVANIA

Philadelphia VIP — Custody Clinic for Parents

Pro Bono Legal Services

Free volunteer-attorney help for low-income Philadelphia parents with custody and visitation matters, including pro se coaching and full representation in custody disputes. Walk-in custody clinics held regularly at Family Court (1501 Arch St).

  • 1500 Walnut St, Suite 400, Philadelphia, PA 19102
  • (215) 523-9550
PENNSYLVANIA

Women's Law Project — Family Law & Domestic Violence

Legal Advocacy Organization

Free legal help, advice, and direct representation for women and LGBTQ+ individuals on family-law matters tied to abuse, including Protection From Abuse (PFA) orders, custody during abuse, divorce, and the intersection of family court with sexual-violence cases. Statewide Pennsylvania reach.

  • 125 S 9th St, Suite 700, Philadelphia, PA 19107
  • (215) 928-9801
PENNSYLVANIA

A Woman's Place — Bucks County Family Court Advocacy

Domestic Violence Service Provider

Free and confidential legal advocacy and PFA (Protection From Abuse) intake for survivors of domestic violence in Bucks County, PA. Court accompaniment at Doylestown Family Court, help with divorce and custody filings tied to abuse, and referrals to private family-law attorneys.

  • 125 S Main St, Doylestown, PA 18901
  • 24-hr hotline: (215) 343-7576
PENNSYLVANIA

YWCA Greater Philadelphia — Family-Court Advocacy

Nonprofit Advocacy Organization

Free court advocacy and PFA (Protection From Abuse) petition support for survivors of domestic violence in Philadelphia. Helps clients draft petitions, prepare for PFA hearings at Family Court, and connects them with legal aid or pro bono family-law attorneys for ongoing divorce/custody matters.

  • 100 N 17th St, 2nd Floor, Philadelphia, PA 19103
  • 24-hr DV hotline: (215) 930-8200

Protection Orders Are Time-Sensitive

If you (or your child) are being stalked, threatened, or physically harmed by a partner or co-parent, you can file a Temporary Restraining Order (TRO) in NJ or a Protection From Abuse (PFA) order in PA at the local Family Court. These are issued the same day without the abuser present and are free of charge. The Family Division and a domestic-violence advocate can walk you through the safety plan, court forms, and any related divorce/custody filings. Don't wait — TRO/PFA deadlines start on the date of the incident.

Felony Charges & Criminal Defense

If you cannot afford a private attorney, public defenders provide free representation in both Philadelphia and Camden County. Use the public defender for active felony cases today; use private firms for expungement, record sealing, or post-conviction relief. Many private criminal defense attorneys in this region offer free consultations and payment plans.

PENNSYLVANIA

Defender Association of Philadelphia

Public Defender Office

Free criminal defense representation for indigent defendants in Philadelphia. Handles felony and misdemeanor charges, bail hearings, trials, sentencing, and appeals. Income eligibility required — ask the court for a public defender at arraignment.

  • 1441 Sansom St, Philadelphia, PA 19102
  • (215) 568-3190
PENNSYLVANIA

Pennsylvania Institutional Law Project — Reentry Legal Services

Legal Aid Program

Free legal assistance for formerly incarcerated individuals. Services include expungement, record sealing, pardon applications, parole/probation violations, and civil rights restoration. Statewide services with a Philadelphia office.

  • 718 Arch St, Suite 304S, Philadelphia, PA 19106
  • (215) 925-2966
PENNSYLVANIA

The Zeiger Firm — Criminal Defense Attorneys

Private Law Firm

Criminal defense firm with 30+ years of experience handling felony charges, drug offenses, theft, assault, and parole violations. Also provides expungement services. Free consultations. Serves Philadelphia and surrounding counties.

  • 1835 Market St, Suite 2950, Philadelphia, PA 19103
  • (215) 546-0340
PENNSYLVANIA

Zak T. Goldstein — Criminal Defense & Expungement

Private Law Firm

Criminal defense and expungement attorney handling serious felony cases, drug charges, violent crimes, and record sealing. Aggressive trial lawyer. Serves Philadelphia, Delaware, Chester, and Montgomery counties. Free consultations.

  • 1609 Walnut St, Philadelphia, PA 19102
  • (267) 225-2545
PENNSYLVANIA

Brian M. Fishman — Criminal Defense Attorney

Private Law Firm

Experienced criminal defense lawyer handling felony charges, drug crimes, theft, assault, DUI, and probation violations. Also provides expungement services. Free consultations. Serves Philadelphia and Delaware counties.

  • 1420 Walnut St, Suite 300, Philadelphia, PA 19102
  • (267) 758-2228
NEW JERSEY

Office of the Public Defender — Camden County

Public Defender Office

Free criminal defense representation for indigent defendants facing felony and misdemeanor charges. Handles arraignments, plea negotiations, trials, and appeals. Must qualify financially for services — ask the court for assignment at first appearance.

  • 800 Cooper St, Camden, NJ 08102
  • (856) 614-2460
NEW JERSEY

Legal Services of New Jersey — Expungement Clinic

Legal Aid Program

Free expungement legal clinics for low-income individuals seeking to clear eligible criminal records. Assistance with applications, court filings, and hearings. Monthly walk-in clinics in Camden County.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • (856) 964-2010
NEW JERSEY

Rutgers Law School — Expungement Clinic

Law School Clinic

Free legal services for expungement of criminal records. Law students under attorney supervision help with record sealing and expungement petitions. Serves Camden County residents.

  • 217 N 5th St, Camden, NJ 08102
  • (856) 225-6107

Important — First Court Date

If you have a first court date (arraignment) for a felony or serious misdemeanor, do NOT go without an attorney. Ask the judge to assign you a public defender at that first appearance if you cannot afford a private lawyer. Anything you say in that first court date can be used against you — protected only with counsel.

Small Claims Lawsuits

Small claims court is the fastest, cheapest way to recover money or defend against a lawsuit for disputes under $12,000 in PA (Philadelphia) or $5,000 in NJ (Camden County, with some specialty limits up to $15,000). Most small claims hearings are decided without attorneys — but the resources below help with forms, filings, and preparation.

PENNSYLVANIA

Community Legal Services — Small Claims Clinic

Legal Aid Organization

Free legal clinic for Philadelphia residents filing small claims (up to $12,000). Assistance with consumer fraud, security deposits, unpaid wages, and landlord disputes. Monthly walk-in clinics available.

  • 1424 Chestnut St, Philadelphia, PA 19102
  • (215) 981-3700
PENNSYLVANIA

Philadelphia VIP — Small Claims Legal Clinic

Pro Bono Legal Services

Volunteer attorneys provide free consultations and representation assistance for small claims court. Serves low-income Philadelphia residents with consumer disputes, contract issues, and property damage claims.

  • 1500 Walnut St, Suite 400, Philadelphia, PA 19102
  • (215) 523-9550
NEW JERSEY

Camden County Small Claims Court Self-Help Center

Court Self-Help Program

Free assistance with small claims filings up to $5,000 (or $15,000 for security deposit disputes). Help with forms, filing procedures, and court preparation for consumer disputes, landlord-tenant issues, and property damage claims.

  • 101 S 5th St (Camden County Hall of Justice), Camden, NJ 08103
  • (856) 379-2200
NEW JERSEY

Legal Services of New Jersey — Small Claims Assistance

Legal Aid Organization

Free legal help for low-income residents filing small claims court cases. Assistance with consumer disputes, security deposit recovery, unpaid wages, and property damage claims. No in-court representation but provides guidance on procedures.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • (856) 964-2010

Small Claims Court Limits & Filing Fees

  • Philadelphia, PA: Claims up to $12,000. Filing fee ranges from $30 to $75 depending on claim amount. Hearings are typically scheduled within 30–60 days of filing.
  • Camden County, NJ: Claims up to $5,000 (or $15,000 for security deposit disputes only). Filing fee $30–$75 plus sheriff service fees.
  • Bring evidence: contracts, receipts, photos, written communications, and a clear timeline. Witnesses can testify in person.
  • Judge's decision is final — no formal appeals in most small claims matters. Bring your strongest case the first time.

Tax Lien Issues

Both federal and state tax liens can attach to your wages, bank accounts, and property — but you have multiple avenues to resolve them. The fastest paths are: (1) request a Collection Due Process hearing within 30 days of a federal lien / levy notice, (2) file an Offer in Compromise, or (3) appeal in state tax court. Use the resources below for case-specific guidance.

Federal IRS Tax Lien — Your Options

An IRS lien attaches to all your property (real estate, vehicles, financial accounts) until resolved. The IRS must release the lien within 30 days after you pay the tax, after the statute of limitations expires, or after the lien becomes unenforceable.

Form 12153 — Collection Due Process Hearing

  • If the IRS files a Notice of Federal Tax Lien or levies your wages/bank account, you have 30 days to file Form 12153 and request a hearing with the IRS Office of Appeals.
  • This is your right to challenge the lien — and to propose alternatives like an installment agreement or offer in compromise. Download Form 12153.

Form 656 — Offer in Compromise

  • An Offer in Compromise lets you settle your federal tax debt for less than the full amount you owe — based on your inability to pay. The IRS evaluates offers on doubt as to collectibility, doubt as to liability, or effective tax administration.
  • Use the official Form 656 and the accompanying Form 656-L (collection information statement).
  • An Offer stops collection actions while it's under review, but you'll need to remain current on all required filings.

Form 8857 — Innocent Spouse Relief

  • If the tax debt was caused by your spouse (or ex-spouse) and you didn't know about it, you can request Innocent Spouse Relief by filing Form 8857.
  • The IRS will analyze 8 factors, including whether you benefited from the unpaid tax and whether it's unfair to hold you liable.

New Jersey State Tax Liens

New Jersey tax liens are governed by N.J.S.A. 54:5 and follow a different timeline than federal IRS liens. State liens can be priority claims against real estate, wages, and bank accounts — and they accrue interest daily until paid.

  • NJ Division of Taxation — Taxpayer Assistance: (609) 292-6400 — for installment agreements, lien priority questions, and Certificate of Debt inquiries.
  • NJ Tax Court (Southern Region — handles Camden County): For appeals of NJ tax assessments, denials of redetermination, and lien priority disputes — njcourts.gov/courts/tax.
  • Certificate of Debt appeal window: 90 days from the date the NJ Division of Taxation files a Certificate of Debt. After that, the lien becomes a judgment with limited appeal options.
  • Camden County Bar Referral Service: Provides attorney referrals with reduced-fee initial consultations for tax, lien, and bankruptcy matters. Call the Camden County Bar Association at (856) 964-3344.

Pennsylvania State Tax Liens

PA Department of Revenue liens follow a formal notice and lien-filing process. Most PA tax issues can be resolved before lien-filing by responding to the Notice of Assessment within 90 days of the date on the notice.

  • PA Department of Revenue — Taxpayer Advocate: (717) 772-9206 — for lien disputes, installment agreement help, and Petition for Reassessment.
  • Philadelphia County Board of View: Where real estate tax appeals for Philadelphia properties are filed. Petitions must be filed by the first Monday of October each year.
  • Philadelphia Bar Association Lawyer Referral Service: Free 30-minute consultation with a participating attorney for tax and lien matters. Call (215) 238-1700 or visit lrs.philabar.org.
  • 90-day appeal window: If you receive a Pennsylvania Notice of Assessment or Notice of Determination, you have 90 days to file a Petition for Reassessment with the Board of Finance and Revenue (or 30 days for county-level appeals). Missing this deadline forfeits your right to appeal.

Universal Legal Aid Hotlines

  • Legal Services of New Jersey (LSNJ) Hotline: 1-888-LSNJ-LAW (1-888-576-5529) — free legal advice for any NJ civil legal issue, including state tax problems. Income-tested.
  • PA Legal Aid Network: 1-800-322-7572 — free legal advice for any PA civil legal issue in Philadelphia County. Income-tested, multilingual.
  • Taxpayer Advocate Service (federal IRS): 1-877-777-4778 — independent IRS help when you can't resolve your problem through normal IRS channels.
  • Low-Income Taxpayer Clinics (LITCs): Free representation for federal tax disputes if your income is below 250% of the federal poverty line. PA clinics: Villanova Federal Tax Clinic; NJ: Rutgers Law School Tax Controversy Clinic.

Avoid These Common Mistakes

Ignoring a federal or state tax notice is the #1 mistake — the IRS and NJ/PA state will keep escalating collection (levies, garnishments, license suspension). Filing for bankruptcy does not always discharge tax debts — most federal and state income tax debts require specific conditions (3-year rule, 2-year rule, fraud assessment rule) before they're eligible. Always consult a tax attorney or accredited LITC before filing Chapter 7 or 13 to discharge tax debt.

Veterans Legal Help

Veterans have a separate, federal appeals system for VA benefits — different from Social Security disability. The cards below cover VA disability appeals, discharge upgrades, veterans treatment courts, and free legal clinics across New Jersey and Pennsylvania.

NEW JERSEY

Legal Services of New Jersey — Veterans Legal Project

Legal Aid Program

Free legal help for veterans in NJ on VA disability benefits, discharge upgrades (DD-214 corrections), and records correction. Helps veterans prepare claims and Board of Veterans' Appeals paperwork. Income-tested for civil matters; VA cases reviewed regardless of income.

  • 745 Market St, Suite 502, Camden, NJ 08102 (South Jersey office)
  • 1-888-LSNJ-LAW (576-5529)
NEW JERSEY

NJ Department of Military & Veterans Affairs (DMAVA)

State Veterans Agency

State benefits assistance, VA claims help, county veteran service officer referrals, and discharge / records review. Operates the NJ Veterans Memorial Homes and helps connect veterans to free county-level service officers statewide.

  • PO Box 340, Trenton, NJ 08625 (state HQ)
  • (609) 530-6968
NEW JERSEY

Disability Rights NJ — Veteran Benefits Advocacy

Legal Advocacy Organization

Free advocacy for New Jersey veterans with disabilities on VA benefits, mental-health discharge issues, and access to VA healthcare. Helps with appeals, Nexus letters, and federal-court actions when benefits are denied.

  • 210 S White Horse Pike, Suite 204, Audubon, NJ 08106
  • (609) 292-9742
PENNSYLVANIA

Philadelphia Veterans Court (Court of Common Pleas)

Specialty Criminal Court

Diversion court for veterans charged with non-violent felony or misdemeanor offenses in Philadelphia. Successful completion can result in reduced charges, dismissed cases, or alternative sentencing with treatment. Public-defender representation available at no cost.

  • 1801 Vine St, Philadelphia, PA 19103 (Criminal Justice Center)
  • (215) 683-7100 — First Judicial District
PENNSYLVANIA

VA Regional Office — Philadelphia (VBA)

Federal Veterans Benefits Office

Veterans Benefits Administration regional office serving PA, NJ, and DE. Walk-in help with VA disability compensation and pension claims, DIC (Dependency & Indemnity Compensation), GI Bill questions, and VR&E (Vocational Rehabilitation). Free counseling and form assistance.

  • 5000 Wissahickon Ave, Philadelphia, PA 19144
  • (800) 827-1000 — VA national line
PENNSYLVANIA

The Veterans Consortium Pro Bono Program

Pro Bono Legal Services

Free legal representation for veterans before the U.S. Court of Appeals for Veterans Claims (CAVC) and the Board of Veterans' Appeals. National program with remote intake — accepts NJ and PA cases. Trains volunteer attorneys and matches them with denied-claim appellants.

  • PO Box 11167, Alexandria, VA 22312 (national intake)
  • (202) 265-8305
PENNSYLVANIA

PA Department of Military & Veterans Affairs (DMVA)

State Veterans Agency

Statewide veterans benefits assistance: free help filing VA claims, emergency financial aid, free passes to state parks, and county director referrals. Operates the PA Veterans Memorial Homes in Philadelphia, Hollidaysburg, and Erie.

  • Bldg 0-47, Fort Indiantown Gap, Annville, PA 17003
  • (717) 861-3127 — Bureau of Veterans Programs
FEDERAL

U.S. Court of Appeals for Veterans Claims (CAVC)

Federal Appellate Court

Federal court that reviews final decisions of the Board of Veterans' Appeals. Self-filing is permitted (no attorney required) using the Court's public form set. Decisions can be appealed to the U.S. Court of Appeals for the Federal Circuit.

  • 625 N Vermont Ave, Washington, DC 20005
  • (202) 501-5970
FEDERAL

VA Office of General Counsel — Discharge Upgrade Referrals

Federal Veterans Agency

Reviews applications to upgrade discharge characterizations (Other Than Honorable, Bad Conduct) through the Discharge Review Board and the Board for Correction of Military Records. Successful upgrades restore eligibility for VA benefits, GI Bill, and home loans.

  • 810 Vermont Ave NW, Washington, DC 20420
  • (202) 461-7693

The Three VA Appeal Paths (Choose One)

  • 1. Higher-Level Review: A senior VBA reviewer re-examines your case using the same evidence. Fastest route — typically 4–6 months. Best when you believe VBA made a mistake but have no new evidence.
  • 2. Supplemental Claim: Submit new and relevant evidence that the VA did not consider the first time. Best when you have new medical records, a new Nexus letter, or a new diagnosis since the original decision.
  • 3. Board of Veterans' Appeals (BVA): A Veterans Law Judge reviews your case. You can request a hearing (in person, by video, or by phone). Takes 12–18 months, but you can add evidence at any point. Decisions can be appealed to the CAVC.
  • Deadline: You have 1 year from the date on the VA decision letter to choose an appeal path. After that, the decision becomes final and you'd need to reopen with new evidence.

Financial Hardship & Consumer Law

If you are facing collection lawsuits, wage garnishment, predatory lending, or considering bankruptcy because of medical debt, lost income, or housing crisis — these NJ and PA resources can help. Many bankruptcy and consumer cases can be handled free or low-cost, and consumer-fraud reporting leads to real recoveries.

NEW JERSEY

Legal Services of New Jersey — Consumer Rights Project

Legal Aid Program

Free legal help for NJ residents on debt collection defense, credit-report errors (FCRA), predatory lending, repossession, payday-loan fraud, and identity-thevictim consumer cases. Income-tested.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • 1-888-LSNJ-LAW (576-5529)
NEW JERSEY

NJMoneyHelp — HUD-Approved Counseling

HUD-Approved Housing Counseling

Free counseling for NJ residents on debt management, foreclosure prevention, reverse mortgages, and post-bankruptcy credit rebuilding. Run by the NJ Housing and Mortgage Finance Agency. Phone-first intake; multilingual counselors.

  • 637 S Clinton Ave, Trenton, NJ 08611 (state HQ)
  • 1-800-NJ-HOME-1 (1-800-654-4663)
NEW JERSEY

South Jersey Legal Services — Consumer Unit

Legal Aid Organization

Free legal help for low-income residents of Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, and Salem counties on consumer issues — debt collection, bankruptcy pre-filing counseling, garnishment defense, and credit reporting errors.

  • 745 Market St, Suite 502, Camden, NJ 08102
  • (856) 964-2010
NEW JERSEY

Camden County HELP Program (Emergency Rent / Utilities)

County Emergency Assistance

Emergency financial help for Camden County residents facing eviction, utility shutoff, or homelessness due to hardship. Can cover past-due rent, utility arrears, security deposits, and temporary housing. Eligibility based on income and household size.

  • 520 Market St, Camden, NJ 08102 (Camden County Admin)
  • (856) 225-5000 — Camden County
PENNSYLVANIA

Community Legal Services — Consumer & Bankruptcy Unit

Legal Aid Organization

Free legal help for low-income Philadelphia residents on debt collection defense, bankruptcy preparation (Chapter 7 & 13), credit reporting (FCRA), and utility shutoff prevention. Walk-in intake at the North Philadelphia office.

  • 1424 Chestnut St, Philadelphia, PA 19102
  • (215) 981-3700
PENNSYLVANIA

Philadelphia VIP — Bankruptcy Clinic

Pro Bono Legal Services

Free legal clinic staffed by volunteer bankruptcy attorneys for low-income Philadelphia residents seeking Chapter 7 relief. Matches clients with volunteer counsel for full representation when income-eligible; otherwise provides form-prep help and referral.

  • 1500 Walnut St, Suite 400, Philadelphia, PA 19102
  • (215) 523-9550
PENNSYLVANIA

Clarifi — Philadelphia Financial Counseling

HUD-Approved Consumer Counseling

Free, confidential one-on-one financial coaching for Philadelphia residents: budgeting, debt management plans, foreclosure prevention, student-loan counseling, and credit-building. Remote and in-person sessions available.

  • 1635 Market St, Philadelphia, PA 19103
  • (215) 563-4848
PENNSYLVANIA

PA Department of Banking & Securities — Consumer Help

State Consumer Protection Agency

File complaints against PA banks, mortgage servicers, payday lenders, and licensed financial institutions. Recovers money, fines violators, and publishes complaint data. Free for any PA resident — does not require income eligibility.

  • 17 N 2nd St, Suite 1300, Harrisburg, PA 17101
  • 1-800-722-2657
PENNSYLVANIA

PA Bar Association — Consumer Law Section Referral

Attorney Referral Service

Statewide attorney referral network focused on consumer protection, lemon law, debt collection defense, FCRA, and bankruptcy. Reduced-fee initial consultations (typically 30 minutes) with vetted consumer-law specialists across PA.

  • 100 South St, Harrisburg, PA 17101
  • 1-800-932-0311 — lawyer referral
FEDERAL

USA.gov / Consumer.gov — Fraud Reporting & Help

Federal Consumer Resources

Free federal self-help for consumer fraud: report scams to FTC ReportFraud.ftc.gov, file identity-theft reports at IdentityTheft.gov, and use Consumer.gov for plain-language guides on debt collection, credit reports, and consumer rights.

  • ReportFraud.ftc.gov — FTC fraud reporting portal
  • IdentityTheft.gov — FTC identity-theft recovery plan

Bankruptcy Filing Fee Reality

Most Chapter 7 cases carry a $338 filing fee; Chapter 13 is $313. If your income is below 150% of the federal poverty line, the fee can be paid in installments or waived in full at filing (Form 103A / 103B fee waiver). Before filing, every debtor must complete a credit counseling course from an approved agency — free if your income qualifies. Filing bankruptcy does not always discharge tax debt; consult a consumer attorney first.

Need Legal Help?

Our team can match you to the right free or low-cost legal aid in NJ or PA. Call us, or join the Connector community for direct support.