Consumer Protection & Debt

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

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.

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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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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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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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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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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A free tax preparation program run by AARP Foundation, separate from IRS VITA, staffed by IRS-certified volunteers with a special focus on taxpayers 50 and older and low-to-moderate income filers. Wyoming has had sites in past years including Wheatland, Riverton, and Sheridan.

Free tax prepSeniors
Eligibility, how to apply, contact info
Who qualifies

No AARP membership required; focused on taxpayers 50+ and low-to-moderate income filers, open to the public.

How to get help

During tax season (late January through mid-April), use the AARP Foundation Tax-Aide Site Locator to find the nearest Wyoming site, or call for current-year location info.

Contact

1-888-227-7669; taxaide@aarp.org

Cost

Free

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A free, statewide prescription discount card for Wyoming residents, with no enrollment, income, or age requirements, offering savings on FDA-approved brand and generic medications at over 68,000 participating pharmacies nationwide, including most Wyoming pharmacies.

Prescription discountNo insurance needed
Eligibility, how to apply, contact info
Who qualifies

All Wyoming residents; no income, age, or enrollment requirements.

How to get help

Print, text, save, or email a free card directly from the website, then present it at the pharmacy counter when filling a prescription.

Contact

Via website contact form at wyomingrxcard.com/contact

Cost

Free (discount card, not insurance)

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A Wyoming Department of Health program operating since 2007 that acts as a closed-door mail-order pharmacy using donated medications to fill prescriptions at no cost for low-income Wyoming residents who lack adequate prescription drug coverage.

Prescription assistanceMedication donation
Eligibility, how to apply, contact info
Who qualifies

Low-income Wyoming residents lacking adequate prescription drug insurance coverage.

How to get help

Submit the WMDP Application Packet (PDF on the program website); Laramie County residents apply via HealthWorks Pharmacy in Cheyenne instead.

Contact

2300 Capitol Avenue, Hathaway Building Suite B27, Cheyenne, WY 82002. Phone: (307) 635-1297; Toll-free: (855) 257-5041.

Cost

Free

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A national nonprofit that helps patients — including those billed by Wyoming hospitals — apply for existing hospital charity care programs free of charge, using patient advocates to navigate the paperwork.

Medical debt helpCharity care advocacy
Eligibility, how to apply, contact info
Who qualifies

Anyone with an unpaid medical bill from a nonprofit hospital.

How to get help

Use the free eligibility screener at dollarfor.org, then work with a free patient advocate to complete and submit the charity care application.

Contact

Via website at dollarfor.org

Cost

Free

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Charity care / financial assistance policy covering Cheyenne Regional Medical Center and affiliated clinics, providing reduced-cost or free care to patients who cannot afford medically necessary treatment.

Hospital financial assistanceCharity care
Eligibility, how to apply, contact info
Who qualifies

Patients in the Laramie County service area who cannot afford medically necessary care; apply within 240 days of the first billing statement.

How to get help

Complete the Financial Assistance application and schedule an appointment with a Financial Navigator.

Contact

(307) 996-4793; West Campus, 214 E. 23rd St., Cheyenne, WY

Cost

Free or reduced-cost depending on approved assistance level

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Banner Health's Wyoming region (including Banner Wyoming Medical Center in Casper) offers charity care and sliding-scale financial assistance to uninsured, underinsured, and medically indigent patients.

Hospital financial assistanceCharity care
Eligibility, how to apply, contact info
Who qualifies

Patients whose household income is at or below 400% of the Federal Poverty Level, or whose medical expenses exceed 50% of household income.

How to get help

Contact Patient Financial Services to request a financial assistance application and speak with a financial counselor.

Contact

(307) 577-2421; general billing 1-888-264-2127

Cost

Free or reduced-cost depending on approved assistance level

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Wyoming's LIHEAP-funded program helps eligible households pay a portion of winter home heating bills and provides emergency crisis assistance for heat-loss situations. Seasonal program running October 1 through April 30 each year — check current-year application status before applying.

Utility assistanceHeating bill help
Eligibility, how to apply, contact info
Who qualifies

Wyoming residents with household income up to 60% of state median income; priority for households with members 60+, disabled, or children age 5 and under.

How to get help

Apply online during the Oct. 1-Apr. 30 window via the DFS Utility Assistance Online Portal.

Contact

1-800-246-4221; lieapinfo@wyo.gov

Cost

Free (benefit paid directly to the fuel/utility vendor)

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A supplemental program providing free home energy-efficiency improvements — insulation, air sealing, heating system repair/replacement, and safety checks — to eligible low-income households, delivered through two regional nonprofit weatherization agencies.

WeatherizationFurnace repairEnergy efficiency
Eligibility, how to apply, contact info
Who qualifies

Wyoming residents with income up to 200% of the Federal Poverty Level; renters (with landlord permission) and homeowners both qualify.

How to get help

Apply year-round via the joint LIEAP/WAP application portal; once approved, the assigned regional agency schedules a free energy audit.

Contact

1-800-246-4221. Council of Community Services (Campbell, Crook, Johnson, Sheridan, Weston counties): (307) 686-2730. Wyoming Weatherization Services (remaining 18 counties): (307) 347-2200.

Cost

Free

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The Natrona County Library offers free notarization from library staff who are commissioned notaries, for most personal documents (excluding real estate, powers of attorney, and estate documents).

Free notary
Eligibility, how to apply, contact info
Who qualifies

Anyone with a valid, permanent, government-issued photo ID; limited to 6 documents per person per visit.

How to get help

Call ahead to confirm notary availability, then visit the library with unsigned documents and valid photo ID.

Contact

Natrona County Library, Casper, WY

Cost

Free

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The main Laramie County Library branch in Cheyenne offers free notary services during regular library hours for most documents.

Free notary
Eligibility, how to apply, contact info
Who qualifies

Anyone with government-issued photo ID (or two identifying witnesses if no ID is available).

How to get help

Call ahead to confirm a notary is on duty, then bring the unsigned document and photo ID to the main Cheyenne branch during library hours.

Contact

(307) 634-3561

Cost

Free

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The Converse County Library offers free notary services to the community, subject to staff availability.

Free notary
Eligibility, how to apply, contact info
Who qualifies

General public.

How to get help

Call ahead to confirm a notary is on duty before visiting the library.

Contact

Converse County Library, Douglas, WY

Cost

Free

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