Preview NCLC's Consumer Law Treatises
Click on a title to view its table of contents and read its first chapter.
Fair Debt Collection
The leading treatise on the federal Fair Debt Collection Practices Act (FDCPA), the statute that dramatically alters how collection agencies, debt buyers and attorneys collect consumer debts. Authored by experts who bring decades of experience on FDCPA litigation, legislation, and interpretations. Now including The FDCPA Case Connector, a searchable database of 14,000 FDCPA case holdings.
Fair Credit Reporting
The treatise explains the latest changes in credit reporting resulting from CFPB actions and those of the state attorneys general, as well as thousands of new FCRA court decisions. Also covered are the Credit Report Organizations Act, Gramm Leach Bliley, and state credit reporting statutes.
Mortgage Servicing and Loan Modifications
The most complete and up to date treatise on homeowner rights and remedies dealing with mortgage servicers, plus rights to delay and modify mortgage payments.
Student Loan Law
The Seventh Edition of Student Loan Law keeps readers current on all of these changes with comprehensive explanations of all student loan borrower rights and relief programs. The treatise includes new rights for loan cancellation, income-based repayment options, and tactics for challenging collector, servicer, private loan, and school abuses.
The Latest Articles from NCLC
Read NCLC's analysis of the latest changes to consumer law and their practice implications.
Free @ NCLC
The NCLC Digital Library currently hosts over 6,000 pages of free treatise content and 3,700 items of free companion material!
View NCLC Digital Library materials that are currently available to the public, including material from the treatises in NCLC's Consumer Law Practice Series, federal law statutes, regulations, and staff interpretations, hard-to-find lower court decisions, training materials, and more.
Surviving Debt
Surviving Debt: Expert Advice for Getting Out of Financial Trouble is NCLC's bestselling guide for consumers. A leading resource for over 30 years, and recently named "the best all around guide to navigating debt" by Business Insider, this updated 2026 edition of Surviving Debt provides precise, practical, and hard-hitting advice from the nation’s consumer law experts on how to deal with crushing debt affecting millions of Americans.
Surviving Debt is available for free on the NCLC Digital Library. Use the digital edition to navigate to external links, download pages, and search the materials.
Conference Archives
Thousands of conference materials are searchable and available for free. These materials are viewable only by legal aid and/or current NACA attorneys, as well as recent attendees of a vetted NCLC conference. Those qualifying should create a free account to access the material.
Other Publications on the NCLC Digital Library

NCLEJ's Federal Practice Manual for Legal Aid Attorneys guides legal aid and public interest lawyers through all stages of federal litigation. The Revised 2024 Edition provides the most comprehensive expertise for practitioners litigating on behalf of low-income and disadvantaged clients against government defendants. This edition is currently free to the public.
HUD Housing Programs: Tenants' Rights is the National Housing Law Project's quintessential guide to understanding HUD’s housing programs. The Green Book’s treasury of information is the product of over 50 years of legal experience specifically focused on HUD housing law, decades of successful high-impact litigation, and a deep understanding of intricate federal housing policy.
