Before You Pay Anyone, Find the No-Cost Route That Already Exists
Route a specific problem to the free help that already exists, with the number, the script, and the call log. It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a planning and referral aid, not legal or financial advice. It cannot enrol you in a programme, connect a service, or guarantee that free help is available where you live.
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Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (federal route): in force: LSC-funded legal aid serves households at or below 125% of the federal poverty guidelines ($19,562/year for a single person in 2026); LSC absorbed about a 3.6% FY2026 cut and several states reduced local civil-legal-aid funding, so intake capacity varies by programme and should be checked by phone.
Automated decision this documents: eligibility screening and triage that decides who gets free help first
Free path, in order (no cost):
211 — local screening and referral (211.org)
Legal aid intake through lawhelp.org (LSC-funded programmes serve 125% of the federal poverty guidelines)
State attorney general (usa.gov/state-attorney-general) and the CFPB complaint route
benefits.gov for enrolment programmes; fair-housing organisations for housing complaints
What this cannot do: It cannot enrol you in a programme, connect a service, or guarantee that free help is available where you live.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
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This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
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