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Consumer Protection & Debt

State agencies for consumer complaints, utility and insurance disputes, bankruptcy self-help, and credit counseling.

Relevant Wyoming Law

This is reference material, not legal advice or a service listing — links go directly to statute text so you can read the actual law yourself.

Wyo. Stat. §§ 40-12-101 to 40-12-114 Secondary source

Wyoming Consumer Protection Act

Wyoming's general state law against unfair or deceptive trade practices, which the Attorney General's Consumer Protection Unit enforces.
15 U.S.C. § 1692 et seq. Official source

Fair Debt Collection Practices Act

Federal law protecting consumers from abusive, deceptive, and unfair tactics by debt collectors.

Which state agency handles a consumer complaint in Wyoming depends entirely on what you're complaining about — utilities go to the Public Service Commission, insurance disputes go to the Department of Insurance, and general scams or unfair business practices go to the Attorney General's Consumer Protection Unit. None of these agencies can force a company to pay you or act as your personal attorney; they investigate and can pressure a business to respond, which is different from winning your money back.

WA

Wyoming Attorney General — Consumer Protection and Antitrust Unit

The state office that reviews consumer complaints about scams, deceptive advertising, unfair billing, and other unfair or deceptive trade practices affecting Wyoming consumers.

Consumer complaintsScamsState agency
Eligibility, how to apply, contact info
Who qualifies

Open to any Wyoming consumer with a complaint against a business or person involving personal, family, or household purchases; does not handle business-to-business disputes, Lemon Law issues, or landlord/tenant matters.

How to get help

First try to resolve the issue directly with the business. If that fails, complete the online consumer complaint form and attach supporting documents such as proof of payment, correspondence, or contracts. The office reviews all properly filed complaints and may forward the complaint to the business for a written response.

Contact

Consumer Protection and Antitrust Unit, 109 State Capitol, Cheyenne, WY 82002. Phone: (307) 777-8962 or (307) 777-6397. Email: ag.consumer@wyo.gov

Cost

Free

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WP

Wyoming Public Service Commission — File a Complaint

State agency that handles complaints against regulated electric, natural gas, water, and telephone utility companies operating in Wyoming, including billing disputes and service issues.

Utility complaintsBilling disputesState agency
Eligibility, how to apply, contact info
Who qualifies

Wyoming residents with a dispute against a WPSC-regulated utility. Does NOT handle cable TV, municipal utilities inside city limits, telemarketing, wireless, or internet complaints.

How to get help

File online via the WPSC online complaint form, by emailing wpsc_complaints@wyo.gov, or by mail. The WPSC will request a written response from the utility and relay that response to the complainant. If the consumer disagrees, they may request a formal hearing.

Contact

Wyoming Public Service Commission, Complaint Staff, 2515 Warren Ave., Suite 300, Cheyenne, WY 82002. Phone: (307) 777-7427 or toll-free (888) 570-9905. Email: wpsc_complaints@wyo.gov

Cost

Free

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WD

Wyoming Department of Insurance — Consumer Complaints

State regulator that investigates complaints against insurance companies and agents, including improper claim denials, delayed claims, wrongful policy cancellations, and misrepresentation of coverage.

Insurance complaintsState agencyClaims disputes
Eligibility, how to apply, contact info
Who qualifies

Wyoming policyholders and consumers with a dispute involving a licensed insurance company or agent. Cannot act as legal counsel or force a company to pay a claim.

How to get help

First contact the insurance company directly to try to resolve the dispute, keeping records of all communications. If unresolved, file a complaint online through the Department's online complaint portal or call to request a paper complaint form.

Contact

Wyoming Department of Insurance, 106 E 6th Ave, Cheyenne, WY 82002. Main phone: (307) 777-7401. Consumer Affairs: (307) 777-7402. Toll-free: (800) 438-5768.

Cost

Free

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US

U.S. Bankruptcy Court for the District of Wyoming — Filing Without an Attorney

The federal bankruptcy court's self-help resource page for Wyoming residents who plan to file for personal bankruptcy without hiring an attorney, including the court's own pro se filing guide.

BankruptcyPro seFederal court
Eligibility, how to apply, contact info
Who qualifies

Any individual planning to file a bankruptcy case (Chapter 7 or Chapter 13) in the District of Wyoming.

How to get help

Review the court's 'Guide for Filing Without an Attorney' linked on this page. Before filing, debtors must complete pre-petition credit counseling through a U.S. Trustee-approved agency and, after filing, a debtor education course — both are linked from this page. Contact them directly to confirm current filing fees and any fee-waiver eligibility.

Contact

U.S. Bankruptcy Court for the District of Wyoming — see Court Locations page for office addresses; contact them directly to confirm current contact details.

Cost

Free to access self-help information; court filing fees apply (fee waivers may be available for low-income filers).

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CC

Consumer Credit Counseling Service of the Black Hills (NFCC Member Serving Wyoming)

A nonprofit, NFCC-member and HUD-approved credit counseling agency based in Rapid City, SD that explicitly serves Wyoming residents with free financial counseling, debt management plans, housing counseling, and bankruptcy counseling.

Credit counselingDebt managementNonprofit
Eligibility, how to apply, contact info
Who qualifies

Open to Wyoming, Nebraska, North Dakota, and South Dakota residents.

How to get help

Contact CCCS/BH by phone or through their website to schedule a counseling appointment, available face-to-face in their Rapid City office, by telephone, or online. Counselors are NFCC- and HUD-certified and help build a personalized Financial Action Plan; initial counseling sessions are typically free.

Contact

1-800-568-6615. 2310 N Maple Ave., Rapid City, SD 57701.

Cost

Free initial financial/credit counseling; contact them directly to confirm any fees for debt management plans.

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