We help seniors resolve legal & long-term care problems

Money & Debt Toolkit

Owing others money can be stressful and difficult situation to find yourself.  Oftentimes a debt is referred to creditors who can make repeated attempts to contact you regarding the debt.  Other times you may find yourself being sued for a debt owed to others.  This toolkit explains how to handle creditors and will provide helpful resources for protecting your interests when you owe money to others.  Please review our forms, articles, and frequently asked questions to find information that may help you with your situation.

Throughout this toolkit you may see the acronym FDCPA.  This stands for the Fair Debt Collection Practices Act.  The FDCPA is designed to protect debtors (people who owe money) and limit the power of creditors.

If you still have questions, and you are an Ohio resident over 60 years old, then we hope you will call Pro Seniors Legal Helplin at 513.345.4160 or 1.800.488.6070.  There you can schedule a free 30 minute phone consultation with a Helpline attorney to answer your questions.


All form links can be found in the under the Forms heading on the sidebar of this page.  Forms in this toolkit include:

  • Do-It-Yourself: air Debt Collection Practices Act, Stop-Contacting-Me Letter


Helpful articles can be found on the sidebar, located on the right side of the page.  Articles include Pro Senior’s pamphlets as well as other published documents that can help you to understand your rights and options more fully.

Frequently Asked Questions

What is the Ohio Consumer Sales Practices Act (CSPA)?

The Ohio Consumer Sales Practices Act, commonly referred to as the CSPA or OCSPA, is an act that prohibits a supplier, who has supplied a consumer product to another person, from using unfair, deceptive, or unconscionable acts in the sale of the consumer good.  Consumer goods, or a consumer transaction, is a sale or transfer of an item or services to an individual for purposes that are primarily for personal, family, or household use.  The entire chapter of the CSPA can be found in the statute at Ohio Rev. Code section 1345.

What is the FDCPA?

FDCPA stands for the Fair Debt Collection Practices Act.  The FDCPA is a federal statute that limits the actions of creditors and debt collectors.  The statutory language of the FDCPA can be found at 15 U.S.C. sections 1692-1692p.

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