We have made these referrals available for everyone who visits our site and is in a need for help.
We made these referrals easy to navigate and you can also download or print a copy to take with you where ever you go. Please let us know if you would like us to add a referal to your organization, or if there is one you can sugesst that has helped you or a loved one.
Please keep in mind, the best service we can offer is a referral to those who we can not help ourselves.
* Debtors Anonymous
* Click "Find a DA Meeting" for information about meetings in your area
* The only requirement for membership is a desire to stop incurring unsecured debt
* Call the General Service Office at (781) 453-2743
Download pdf or text version
* Gamblers Anonymous
* Click "Meeting Directory" for information about meetings in your area
* The only requirement for membership is a desire to stop gambling, which contributes to unmanageable debt and financial problems
* Call the International Service Office at (213) 386-8789
Download pdf or text version
* Spenders Anonymous
* Meetings available in: Minneapolis, MN and St. Cloud, MN
* Meetings forming soon in Brattleboro, VT; Cleveland, OH; Las Vegas, NV; Chevy Chase, MD; and Sacramento, CA
* Find out if you are a compulsive spender
* Call (651) 649-4573
Download pdf or text version
* Kristin Brooks Hope Center
* National Hopeline Center
* 1-800-SUICIDE 784-2433
* Suicide Prevention Services
* LifeLine: 1-800-273-8255
* Depression Hotline: 630-482-9696
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There is not contact number however you may go to Alcoholics Anonymous and once you are there you can click on a state and it will pull of contact information by state and meeting places.
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* National Domestic Violance Hotline
* 1-800-799-SAFE (7233)
* 1-800-787-3224
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* Rape, Abuse & Incest National Network (RAINN)
* 1-800-656-4673
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* Child Help USA
* National Child Abuse Hotline: 1-800-4-A-CHILD
Download pdf or text version
AARP Legal Services Network
* AARP
* Click your home state to find the chapter in your area
* Provides easy access to attorneys who reduce their fees for AARP members and provide free 30-minute consultations in person or over the phone
* Call 1-888-687-2277
Benefits Checkup
* Benefits Checkup
* Fill out a free online questionnaire to find out what benefits may be available to you
* Provides a comprehensive online service that screens 1,300 programs for federal, state and some local private and public benefits for older adults
* Call the National Council on Aging at (202)479-1200
Download pdf or text version
Service Members Civil Relief Act
* About US Military
* Applies to members of the Uniformed Services, Reservists who have been called to Active Duty and to members of the National Guard called to Active Duty for more than 30 days pursuant to a contingency mission specified by the President or Secretary of Defense
* Limits the amount of interest that can be collected on debts to 6% per year during the period of military service
* The interest in excess of 6% per year is forgiven (rather than deferred)
* Applies to all debts incurred prior to the commencement of active duty and includes interest on credit card debt, mortgages, car loans and other debt.
* Does NOT apply to federal guaranteed student loans, but deferrals may be available.
* Interest rate reduction does not occur automatically; service members must request it in writing and provide a copy of their orders.
* Contact the Judge Advocate (JAG) or Legal Assistance Officer in your unit
Download pdf or text version
Food Stamps
* Food And Nutrition Service
* Website is also available in Spanish
* Call 1-800-221-5689 for more information
Low Income Energy Assistance Programs
* National Center for Appropriate Technology
* Select your home state from the drop down menu and click "Go To" for more about LIHEAP
* LIHEAP is a federally funded program to help eligible low income households meet their home heating and/or cooling needs
* Also contact the National Energy Assistance Referral Project (NEAR) at 1-866-674-6327
Unemployment Benefits
* Career One Stop
* Click on your home state for information about Unemployment Insurance Benefits that can provide temporary financial assistance to workers unemployed through no fault of their own who meet eligibility requirements established by state laws.
* Call 1-877-US-2JOBS (1-877-872-5627)
General Government Benefits
* Government Benefits
* Call 1-800-FED-INFO (1-800-333-4636)
Download pdf or text version
American Student Assistance
* American Student Assistance
* Click on "Repayment Options" under the Debt Management heading to learn more about student loan repayment options
* Student loan borrowers having difficulty with repayment call 1-800-343-8883
* Student loan borrowers in default call 1-800-343-2120
Federal Student Loans
* U.S. Dept. of Education
* Click "Find & Pay for College" and then "Repay Student Loans" for information about repayment options
* Federal Family Education Loans (FFEL) borrowers should contact the lender
* Perkins Loan borrowers should contact their lender or the school that issued the loan
* Direct Loan borrowers can call the Direct Loan Servicing Center at 1-800-848-097
Download pdf or text version
Federal Office of Child Support Enforcement
* The Office of Child Support Enforcement
* Click on your state for information about the Child Support Enforcement Agency in your area
Download pdf or text version
Job Bank
* Job Bank
* Refer to JOBSEEKERS section for access to the Job Bank by Zip Code and Category
Job Opportunities
* Job Opportunities
* Call 1-866-4-USA-DOL (1-866-487-2365)
Employment Training & Assistance
* Employment Training
* If you are 18 or older and authorized to work in the United States, you may be eligible to receive counseling, help in developing an individual employment plan, training and basic education
* Provides job search assistance, referral and placement assistance, & reemployment services to unemployment insurance claimants, labor market information, and individual skills assessments.
Job Layoff Assistance
* Job Layoff Assistance
* Call 1-877-US-2JOBS (1-877-872-5627)
Carreer Center
* Career Center
* Provides a One-Stop Career Center Initiative to provide high-quality services to workers and job seekers
* Eligible individuals can also obtain more intense services and training
* Call (202)219-8395
Download pdf or text version
The Department of Housing and Urban Development sponsors housing counseling agencies throughout the country that can provide the following services:
* Homes & Communities
* Home Equity Conversion Mortgage Counseling
* Mortgage Delinquency and Default Resolution Counseling
* Renters Assistance
* Predatory Lending Counseling
* Pre-Bankruptcy Counseling
* Foreclosure Counseling
Download pdf or text version
* 888-995-HOPE
* To any homeowner in America having trouble paying their mortgage
* Any time 24/7
Download pdf or text version
National Association of Consumer Bankruptcy Attorneys
* National Association of Consumer Bankruptcy Attorneys
* Ensures that the voices of consumer debtors and their attorneys are heard in the halls of Congress, the Judiciary and other arenas affecting consumer debtors
* Helps consumer bankruptcy attorneys represent their clients more effectively
Pre-Bankruptcy Counseling
* Credit Counseling Agencies
* Select a state, U.S. territory, or commonwealth from the drop down list and click "Go"
Download pdf or text version
To report the fraudulent use of your checks
* Tele Check: 1-800-710-9898
* SCAN: 1-800-262-7771 to inquire if any one has been passing bad checks in your name
* Check Rite/ Global Payment Phone: 1-800-638-4600
Checking Account
Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125
phone:1-800-428-9623
fax 602-659-2197
Deposit Payment Protection Services
Fidelity National Information Services
19803 N Creek Pkwy
Bothell
WA98011
(425) 483-2500
Download pdf or text version
* Obtain freec opy of your credit report
* 1-877-332-8228
* You are entitled to a free copy of your credit report annually or anytime you are declined credit based on information provided by a credit Bureau.
Experian
* Experian
* 1-866-200-6020
* To report fraud: 1-888-397-3742
Equifax
* Equifax
* 1-800-944-1122
* To report fraud: 1-800-525-6285
Trans Union
* Trans Union
* 1-800-916-8800
To report fraud: 1-800-680-7289
Download pdf or text version
Taxpayer Advocate Service
* IRS Taxpayer Advocate Service
* Fax, write or call the Local Taxpayer Advocate office for your state. (View Local Taxpayer Advocates by State)
* 1-877-777-4778
* TTY/TTD: 1-800-829-4059
* A list of Taxpayer Advocate Service offices can also be found in Publication 1546 (English, Spanish, Chinese, Korean, Russian, Vietnamese), The Taxpayer Advocate Service of the IRS - How to Get Help With Unresolved Tax Problems.
* You can also file Form 911, Request for Taxpayer Advocate Service Assistance, with the Taxpayer Advocate Service, or request that an IRS employee complete Form 911 on your behalf. Fax or mail the form to your Local Taxpayer Advocate.
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