- By Anthony Antonini, ’21
Covid-19 brought many issues, but some things never change. America has a lot of debt. Household debt in America reached a record high of $14.3 trillion by the end of 2020. And even though card balances fell by $34 billion across the country as households spent less on consumer goods, large numbers of Philadelphians still find themselves in court facing debt collection suits.
Defendants in these actions are given little resources to adequately prepare and are almost always unrepresented. In an effort to assist, the consumer debt team in the Access to Justice Clinic focused on developing helpful materials for these defendants. The team, composed of Emily Alvarez, Elizabeth Wetzler, and Anthony Antonini, worked with Prof. Rieser and attorney Laura Smith at Community Legal Services to figure out what would be most useful.
By the conclusion of the semester, the team had crafted a set of materials comprised of a timeline showing how debt collection work, a checklist for defendants to follow as they prepare for their hearings, and two fact sheets on defenses to collection actions. The materials were reviewed both by CLS and by a person who had been through a debt collection action. Looking forward to the future, the team is excited to pass on the materials they crafted to the next group, so that they can more adequately test their effectiveness. We extend a special thanks to Laura Smith from CLS for all of her help.