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We understand how financial struggles can impact many areas of your life. In addition to the resources we provide at Take Charge America, we’ve compiled a list of other organizations offering consumer services and support.

No matter what situation you’re in now, you can take comfort in knowing there is a way out of debt, and you won’t be in this situation forever. Please call us at 866-528-0588 if you need additional help or guidance.

  • Bankruptcy/Legal

    FindLaw
    www.findlaw.com
    FindLaw provides a lawyer search in addition to detailed information about legal issues like bankruptcy, family law, and employment law.

    National Association of Consumer Advocates (NACA)
    consumeradvocates.org
    NACA is a non-profit association of lawyers committed to promoting justice for consumers. Its members represent those victimized by fraudulent, abusive, and predatory business practices.

  • Consumer Information

    findhelp.org
    www.findhelp.org

    Search by zip code for free or reduced cost services in your community such as medical care, food, job training, utility assistance and more.

    2-1-1 United Way
    211
    www.211.org

    Spearheaded by the United Way and the Alliance for Information and Referral Systems, 2-1-1 is a telephone number that connects consumers with community services.

    American Association of Retired Persons (AARP)
    888-687-2277
    www.aarp.org

    AARP is a non-profit, non-partisan membership organization that helps people 50 and over improve the quality of their lives.

    Credit Bureaus
    Experian – Trans Union – Equifax
    888-397-3742 | 800-916-8800 | 800-685-1111
    www.experian.com | www.transunion.com | www.equifax.com

    These are the three major credit reporting agencies in the United States.

    Annual Credit Report
    877-322-8228
    www.annualcreditreport.com

    AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting agencies.

    Do Not Call Registry
    888-382-1222
    www.donotcall.gov

    Register your phone number on the Do Not Call Registry to be removed from telemarketing lists.

    U.S. Department of Education
    www.ed.gov

    This comprehensive website offers information on financial aid, student loans, scholarships and education grants and more.

    FICO
    800-319-4433
    www.myfico.com

    You can obtain your FICO score (the credit score used by most creditors) at this web address.

    Government Benefit Programs
    800-333-4636
    www.benefits.gov

    GovBenefits.gov is the official benefits website for the U.S. government. It contains information on more than 1,000 benefit and assistance programs.

    Opt-Out Pre-screen
    888-567-8688   TDD: 877-730-4105
    www.optoutprescreen.com

    Opt-Out Pre-screen enables consumers to opt out of receiving credit card applications and offers in the mail. Registration is active for five years.

    Social Security
    800-772-1213   TTY 800-325-0778
    www.ssa.gov/onlineservices/ | www.benefits.gov/ssa

    Social Security benefits vary from state to state. Locate your local office to determine your benefits. You can use the eligibility screening tool.

    United Way
    703-836-7112
    www.liveunited.org

    United Way helps create opportunities for a better life through education, income and health care.

  • Employment

    Job Bank Information
    877-872-5627   TTY: 877-889-5627
    www.careeronestop.org/

    Operated by the U.S. Department of Labor, regional offices of Career One Stop provide resources and training programs to individuals facing serious barriers to employment. The centers offer workshops in interview skills and resume writing.

    U.S. Department of Labor (DOL), Career One Stop Centers
    877-872-5627
    www.servicelocator.org

    You can find local career one stop centers with this locator.

    U.S. Department of Labor (DOL)
    866-487-2365
    www.dol.gov

  • Food

    Feeding America Food Bank Network
    800-771-2303
    www.feedingamerica.org

    Feeding America is the nation’s largest charitable hunger-relief organization. Its 200+ member food banks and food-rescue organizations serve all 50 states, the District of Columbia and Puerto Rico.

    Food and Nutrition Service (FNS)
    800-221-5689 | 703-305-2062
    www.fns.usda.gov

    FNS offers resources and advice on good nutrition and food shopping. Information on food stamp services is also available.

  • Housing

    Department of Housing and Urban Development (HUD Counseling Line)
    800-569-4287
    www.hud.gov

    HUD’s website is a comprehensive resource for buying and selling homes, consumer rights and help for the homeless.

    Enterprise Community Partners, Inc.
    800-624-4298
    www.enterprisecommunity.org

    Working with a national network of 2,500 non-profit partners, Enterprise creates opportunities for affordable homes, safer streets, and access to jobs and childcare.

    The Federal Emergency Management Agency (FEMA)
    800-621-3362
    www.FEMA.gov

    FEMA provides emergency relief for disaster victims.

    Hope Now
    888-995-HOPE (4673)
    www.hopenow.com

    Hope Now represents a group of lenders, housing counselors and others who are available to help homeowners struggling with their mortgage payments.

    Loan Modification Scam Alert
    888-995-4673
    www.loanscamalert.org

    The Loan Modification Scam Alert is an online resource where seniors can learn how to spot mortgage scams and how to report them.

    Making Home Affordable
    www.makinghomeaffordable.gov

    Making Home Affordable is a federal program aimed at curbing foreclosures. It offers modifications and refinances to qualified homeowners, as well as localized resources. The site provides tools to empower homeowners to determine relief options.

    Red Cross
    800-733-2767
    www.redcross.org

    The Red Cross provides disaster relief in crisis situations.

  • Medical

    Benefits Check Up – National Council on the Aging
    www.benefitscheckup.org

    The Benefits Check Up website houses an online directory where seniors can locate and enroll in programs to help pay for prescription drugs, utility bills, meals, health care and other needs.

    Centers for Disease Control and Prevention (CDC)
    800-232-4636
    www.cdc.gov

    The CDC provides information to enhance health decisions, and it promotes health through partnerships with state governments and other organizations.

    Centers for Medicare & Medicaid Services (CMS)
    877-267-2323
    www.cms.hhs.gov

    The CMS website offers detailed information on Medicare, Medicaid, and SCHIP (State Children’s Health Insurance Plan).

    Finding Health Insurance
    www.usa.gov

    Get information on how to find and sign-up for health insurance including the ACA, COBRA, long term care and health care for people with disabilities.

    HealthCare.gov
    www.healthcare.gov

    A federal government website designed to help people find insurance, learn about prevention, compare care quality, and understand the new healthcare law.

    Hospice
    202-223-0204
    www.americanhospice.org

    The American Hospice Foundation, a 501(c)(3)non-profit organization, supports programs that serve the needs of terminally ill and grieving individuals of all ages.

    InsureKidsNow.gov
    877-543-7669
    www.insurekidsnow.gov

    InsureKidsNow.gov provides information on free and low-cost health insurance for children up to age 18.

    Needy Meds
    www.needymeds.com

    Needy Meds helps consumers locate patient assistance programs in their respective states. It also offers valuable coupons and discount cards to assist with cost reductions on medications.

    Partnership for Prescription Assistance (PPA)
    888-477-2669
    www.pparx.org

    The PPA helps qualifying patients without prescription drug coverage get the medicines they need for free or nearly free.

    U.S. Department of Health and Human Services (HHS)
    877-696-6775
    www.hhs.gov

    The HHS is the federal government’s principal agency for protecting the health of all Americans and providing essential human services, especially for those who are least able to help themselves.

  • Mental Health

    Alcoholics Anonymous (AA)
    212-870-3400
    www.aa.org

    AA is a twelve-step program for men and women who wish to stop drinking alcohol.

    National Domestic Violence Hotline
    800-799-7233
    www.thehotline.org

    The hotline provides immediate crisis intervention for those in need. Callers can receive counseling and can be referred directly to help in their communities, including emergency services and shelters.

    Gamblers Anonymous
    888-424-3577
    www.gamblersanonymous.org

    Gamblers Anonymous is a twelve-step program for problem gamblers.

    Narcotics Anonymous (NA)
    818-773-9999
    www.na.org

    Modeled after Alcoholics Anonymous, NA is a twelve-step program for recovery from drug addiction.

    National Crisis Lifeline (Suicide hotline)
    800-273-8255
    www.save.org

    National Institute of Mental Health (NIH)
    866-615-6464
    www.nimh.nih.gov

    The NIH is the largest scientific organization worldwide dedicated to researching the understanding, treatment, and prevention of mental disorders.

    National Mental Health Information Center (NMHIC)
    800-789-2647
    www.mentalhealth.gov

    NMHIC was developed as a resource for users of mental health services and their families, the general public, policy makers, providers and the media.

    Salvation Army
    www.salvationarmyusa.org

    These resources vary from state to state. To locate your state resources please go to the web address.

woman working on balancing budget

Struggling with Credit Card Debt?

A debt management plan can help:
  • Consolidate monthly payments
  • Lower interest rates
  • Eliminate collection calls

Call 866-528-0588

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