Or simpler than law firms, an ombud process that fights for the consumer. We have something like this in my country, where we have laws against reckless lending

Or simpler than law firms, an ombud process that fights for the consumer. We have something like this in my country, where we have laws against reckless lending. My mom is unemployed and medically unfit to work. She was given a credit card, which I found out about after a few years. I spent 2 years passively trying to sort the issue out with the bank, to no avail. I finally went to the banking ombud earlier this year, and the bank wrote off her debt a few days after. I could have gone further and tried to get her "bad credit" from the bank expunged (there's a complaints process), but it disappears after 2 years, so I just left it to be.