ConsumerShield vs LegalZoom: Which Is Better for Debt Collection Issues?

If a debt collector is harassing you, you might be Googling for help. LegalZoom and ConsumerShield both come up. But they're completely different services. Here's what you need to know.

The Short Answer

LegalZoom sells you legal documents and forms. You pay $100-500 for templates, then figure it out yourself.

ConsumerShield connects you with attorneys who specialize in suing debt collectors - and it's free for you because of a law called "fee-shifting."

Why ConsumerShield Is Free (And LegalZoom Isn't)

Here's the secret most people don't know: when a debt collector violates the Fair Debt Collection Practices Act (FDCPA), they have to pay YOUR attorney fees if you win.

This is called "fee-shifting." It means attorneys can take your case on contingency with zero risk to you. If you win, the collector pays. If you lose, you owe nothing.

LegalZoom doesn't offer this because they're not a law firm - they sell documents. They can't represent you in court or negotiate settlements.

When LegalZoom Makes Sense

LegalZoom is good for:

• Forming an LLC or corporation
• Creating a will or trust
• Trademark registration
• Generic legal documents

These are DIY-friendly tasks where a template gets you 90% of the way there.

When ConsumerShield Makes Sense

ConsumerShield is for when you need to actually fight back:

• Debt collectors calling at illegal hours
• Threats of arrest or lawsuits they can't file
• Calls to your workplace or family
• Robocalls and spam texts
• Errors on your credit report
• Collectors trying to collect debts you don't owe

The Bottom Line

If you need a cease and desist template, LegalZoom can sell you one for $50.

If you want to sue the collector for $1,000+ and make them pay your attorney fees, use ConsumerShield.

One costs you money. One makes you money.