Legal­Consumer.com
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What's new at LegalConsumer.com

Student Loans

• Status of the Federal Student Loan Forgiveness and the delayed, revised, August 30, 2023 deadline.

Bankruptcy 

• 2023 - State Bankruptcy Exemptions Inflation Adjustments 
• New Rules about Student Loans in Bankruptcy
• November 1, 2022 - Means Test  State Median Income Revisions
• May 15, 2022 - Means Test County Expense Standards Updated
• June 2022 - Chapter 13 Debt Limits Increased to 2.5M for Two Years 

Unemployment

• Covid relief programs have ended. What's next?

Wage and Hour

• 23 States Increase Minimum Wages in 2023.
• Detailed, local  minimum wage info for more cities and counties.

Obamacare 2023 Rates and Open Enrollment

• New York extends enrollment until May 11, 2023.
• What You Need to Know about 2023 Open Enrollment in your state
• Obamacare 2023 Rates and Plans offered in your county

Democracy

• Directory of Elected Officials Representing Your State and Your County and Your City
• Check to make sure your State ballot was counted. Find out how!

Hello and Welcome to LegalConsumer.com!

Law by Zipcode

We have provided consumers with accessible, localized "Law by Zipcode" in plain English since 2006.

More than 20 million people like you have turned to LegalConsumer.com for free information about everyday law where they live -- Consumer laws that affect the daily life of ordinary Americans. 

...by Zipcode

Enter your Zip Code or select your state to get started:

Law is not the same everywhere. Some laws are federal -- like student loans, and some aspects of bankruptcy --  while other areas of law are based in state law and can vary significantly from state to state -- even from county to county -- when it comes to child custody, divorce, and probate,  minimum wage and labor rights and unemployment benefits, how much property you get to keep if you file bankruptcy.

Enter your Zip Code or select your state to get started:

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Who We Are

This site was started back in 2006 by Albin Renauer when he left Nolo.com to explore what could be done about access to justice (#a2j) with hyper-local law delivered by relational databases...

Today, LegalConsumer.com is authored by several folks who worked at Nolo in the 1990s and early 2000s. All have law degrees and 30+ years of experience explaining the law in plain English to ordinary folks like you.

To find out more, check out our "about" page.

What We Cover

Bankruptcy

Our Bankruptcy Means Test Calculator is updated through the latest edition for bankruptcies filed on or after November 1, 2022, and will be updated again when the income numbers change in April of 2023. Originally launched in May 2006 and is now in its 28th edition. It has served over 3 million consumers for free, anonymously. We also feature detailed listings of state and federal bankruptcy exemption laws and information about using your local bankruptcy court.

Obamacare

We have the latest on how to sign up for Obamacare Insurance for 2023 in your state! Obamacare By Zipcode was launched in 2013 inspired by righteous indignation when the Republican legislature of Missouri passed a law prohibiting state employees from giving information about how to sign up for Obamacare insurance. When we heard that, we thought "well they can't ban this website from providing this information to the people of Missouri!" So we launched Obamacare By Zipcode, and within a year we ranked #1 on google for "Missouri Obamacare" (and in Texas too!) and helped with the early success of the Affordable Care Act. Since then we've offered information and rates for providers for your county if you live in a state that is served by the Healthcare.gov.

Unemployment Law & Benefits

Find the latest updates through 2023 in our unemployment law section. Since 2015 we've had information about unemployment and how to find your local unemployment office. We tracked the rise and fall of COVID unemployment benefit payments, and have kept you up to date on whether you qualify for unemployment and how to apply for unemployment in your state.

Wage & Hour Law / Minimum Wage

Updated for 2023, we've offer information about Wage and Hour Laws and your local Local Minimum Wage, and we update that information every year for your state and county.

Inheritance Law & Probate

Updated for 2023, we've offered information about Inheritance Law in your state  since 2015, and information on how to handle probate of an inheritance at your county probate court.

Child Custody & Family Courts

Updated for 2023, we offer Child Custody articles and County Family Court information to help you handle your child custody matters.

Democracy & Voting

In 2017 we launched Democracy by Zipcode, where users can find out about their elected representatives and how to participate in government and vote in any upcoming election, using the best resources on the internet.

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