Debt is real and it isn’t forever. You have choices. Regain control of your finances and connect with a nonprofit, certified credit counselor. Or call 800-388-2227 for support. Check out our online resources. Can store credit card debt be forgiven? Who we help. A trusted source, NFCC Member Agencies are here for you. Everyone.

We are a 501 (c)3 nonprofit organization that helps Americans struggling with debt in two ways: Use one of our free tools to dispute your debt, negotiate your debt, or file Chapter 7 bankruptcy. 13,000 members have used our tools to eliminate $600+ million in debt. Always 100% free.

Get free debt advice and credit counseling. When you’re deeply in debt and having trouble paying your bills, the last thing you want is to have to pay for advice on getting out of debt. That’s why American Consumer Credit Counseling (ACCC) offers free debt advice for consumers nationwide.

2025年1月16日 · In this guide, we highlight the top 10 charities for debt relief in 2024, outlining their services and impact. Debt relief charities play a vital role by offering: Free and impartial advice tailored to individual needs. Financial literacy resources to help prevent future debt.

2024年9月6日 · Credit counseling is a free service that helps you evaluate your finances and identify debt relief programs. InCharge's certified credit counselors may help you enroll in a debt management program, lowering your interest rates and monthly payment.

2024年9月6日 · InCharge Debt Solutions, a leading nonprofit organization, offers free and impartial debt relief solutions to consumers struggling with credit card or other unsecured debt. If you feel overwhelmed by debt, call a certified credit counselor or get started online for a free analysis of your financial situation.

2025年1月28日 · Talk to a Counselor for Free. Review your debts, budget and credit with a certified credit counselor to see if you qualify for a debt management program and explore other options for relief, so you can avoid bankruptcy. 2. Start as Soon as You're Ready. Take the time you need to decide.

2017年12月27日 · Need assistance with paying off student loans, your mortgage, or tax debt? These federal debt relief programs can help.

We offer free credit and debt counseling to address your financial concerns. Call 800-550-1961 to get started.

2022年1月5日 · Luckily, when it comes to credit and debt management, there are a bunch of free resources that can put you back on the straight and narrow. Here are some of the best-known—and best-respected—free financial counseling services out there, and what you can expect from each.

Credit counseling is a free service that helps people regain control of their money with personalized solutions to their financial challenges. You may complete the process online 24/7 or over the phone Monday – Friday from 6 a.m. - 6 p.m. MST (866-528-0588).

Whether you are living paycheck to paycheck, experiencing a financial emergency–or you just need help with money management–a certified credit counselor can help you make a plan to pay off your debt today.

2020年7月9日 · We will explain where you can find free debt advice over the phone, online, and in person. Free debt advice is a good start for paying off debt. Calling a credit counselor is a great way to get advice on how to pay off your debt and rebuild your credit! What exactly happens when you call a credit counselor?

2024年8月1日 · The most common debt relief options are debt management plans, debt consolidation loans or credit card transfers, debt settlement, and bankruptcy.

Learn how to apply for government programs for living expenses including food stamps (SNAP), welfare (TANF), rent assistance, Lifeline, LIHEAP, and more.

We're a registered charity providing free, impartial, expert debt advice to more than 100,000 people each year.

If you’re worried about how to get out of debt, here are some things to know — and how to find legitimate help. Where do I start? A budget is a roadmap to plan your finances and keep track of where your money goes.

2025年1月27日 · What to know first: The best debt relief companies can help you settle at least $7,500 of debt for a reasonable fee and give you tools to help get your finances back on track. Debt relief...

If you need help writing a letter to your landlord to request help paying or delaying rent, use this free tool. If you live in a property associated with the U.S. Department of Housing and Urban Development (HUD), you can call 877-542-9723 to speak with a housing counselor.

2025年1月23日 · Debt relief options, such as negotiating directly with creditors, getting on a debt management plan or filing for bankruptcy can help eliminate your debt or make it easier to repay. What is...

6 天之前 · In this guide we’ll cover popular credit card debt relief like consolidation and settlement, solutions for auto and student loans, payday and personal loans, mortgages, tax debt, and when to consider filing for bankruptcy. Consolidation programs pay back everything you owe in full to avoid credit damage.

5 天之前 · To further expedite your journey to becoming debt-free, consider these additional strategies. They may complement your repayment plan and help you achieve results faster. Pay More Than The Minimum. Paying more than your minimum payment amount on a credit card can significantly accelerate the journey to becoming debt-free.

2025年1月7日 · WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) finalized a rule that will remove an estimated $49 billion in medical bills from the credit reports of about 15 million Americans. The CFPB’s action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their …

2025年1月27日 · Helpline calls from people worried about debt have surged in January as energy bills rise and credit payments for Christmas spending are due. National Debtline received 57% more calls in the first ...

4 天之前 · To help Vermonters get back on their feet, I'm proud to announce a proposal to provide medical debt relief to thousands of Vermonters. Without requiring additional taxes or fees, our proposal would make a one-time investment of $1 million to eliminate up to $100 million of medical debt, focusing on Vermonters with significant debt and low incomes.

2025年1月16日 · Total Approved Student Debt Relief Reached Almost $189 Billion for 5.3 Million Borrowers January 16, 2025 The Biden-Harris Administration today announced its final round of student loan forgiveness, approving more than $600 million for 4,550 borrowers through the Income-Based Repayment (IBR) Plan and 4,100 individual borrower defense approvals.

President Biden announced that after a successful beta test of the student debt relief portal, the federal government was officially rolling out the website to qualifying applicants nationwide. He ...

6 天之前 · The service may be able to provide legal advice on matters such as: Illegal eviction ; disrepair and other problems with housing conditions; rent arrears; mortgage arrears; welfare benefits payments; debt. The Housing Loss Prevention Advice Service can attend a court hearing with you and provide free legal advice and representation at the court.