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Being
in debt can be a very stressful situation. Financial anxiety can
cause problems at work, at home, and in countless other ordinary
situations throughout your day. If your life has been disrupted
by debt, and other issues are making your circumstances worse, you
may want to take advantage of one of the following services.
Addiction
Debtors Anonymous
Description: A support group for those recovering from compulsive
spending.
Phone: 781-453-2743
Website: www.debtorsanonymous.org
Alcoholics Anonymous
Description: An international organization dedicated to helping
people deal with alcohol addiction.
Phone: Look in your yellow pages to find a chapter near you.
Website: www.alcoholics-anonymous.org.
Narcotics Anonymous
Description: Assists people coping with drug addictions.
Phone: 818-773-9999 Extension 771.
Website: www.na.org
Gamblers Anonymous
Description: Helps people coping with gambling problems.
Phone: Look in your yellow pages to find a chapter near you or call the International Service Office at (213) 386-8789 for more information or a referral.
Website: www.gamblersanonymous.org.
National Suicide Hotline
1-800-SUICIDE (1-800-784-2433)
Child Support
Federal Office of Child Support Enforcement
Phone: 800-222-4738
Website: www.acf.dhhs.gov/programs/cse/extinf.htm
Credit Information
Annualcreditreport.com
Description: National Service that provides all consumers with one free credit report per year.
Phone: 877-322-8228
Website: www.Annualcreditreport.com
Trans Union
Description: An agency that maintains credit reports on how consumers
manage their credit obligations. You may order a copy of your report
for review.
Phone: (800) 888-4213
Website: www.tuc.com
Equifax
Description: An agency that maintains credit reports on how consumers
manage their credit obligations. You may order a copy of your report
for review.
Phone: 800-685-1111
Website: www.equifax.com
Experian
Description: An agency that maintains credit reports on how consumers
manage their credit obligations. You may order a copy of your report
for review.
Phone: 888-397-3742
Website: www.experian.com
FAIR Isaac
Description: A source for understanding FICO scores. Contains tips
on improving your score.
Website: www.myfico.com
Mortgages and Loans
HSH Associates
Description: Publisher of consumer loan information.
Website: www.hsh.com
Fannie Mae
Description: Provides financial products and services that make
it possible for low-, moderate-, and middle-income families to buy
homes of their own.
Website: www.fanniemae.com
Freddie Mac
Description: An organization that works to stabilize the nation's
mortgage markets and expand opportunities for homeownership and
affordable rental housing.
Website: www.freddiemac.com
OPTOUTPRESCREEN
Description: Remove your name from lists for pre-approved offers of credit or insurance.
Phone: 888-567-8688
Website: www.optoutprescreen.com
Financial Websites
www.Bankrate.com
Description: Provides tools and information to help consumers make
financial decisions.
www.Cardweb.com
Description: An online publisher of information pertaining to all
types of payment cards.
www.Quicken.com
Description: Covers stocks, mutual funds, insurance, taxes and financing.
Government Assistance Programs
Food Stamps
Phone: 800-221-5689
Website: www.fns.usda.gov/fsp
General website for a variety of government benefits
Phone: 1-800-FED-INFO (800-333-4636)
Website: www.govbenefits.gov
Website: www.govbenefits.gov/govbenefits/benefits/federal.jhtml
Website: www.govbenefits.gov/govbenefits/benefits/state.jhtml
Low Income Energy Assistance Program
Phone: 866-674-6327
Website: www.ncat.org/liheap/profiles/energyhelp.htm
Unemployment Benefits
Phone: 877-872-5627
Website: www.workforcesecurity.doleta.gov/map.asp
Insurance
Insurance Information Institute
Description: A directory of insurance organizations, carriers, agents,
brokers and news links.
Website: www.iii.org
Medicare
Description: The federal health insurance program for people 65
years of age or older, certain younger people with disabilities,
and people with End-Stage Renal Disease (permanent kidney failure
with dialysis or a transplant, sometimes called ESRD).
Phone: 800-633-4227
Website: www.medicare.gov
Medicaid
Description: A joint federal and state program that helps with medical
costs for individuals with low incomes and limited resources.
Phone: 800-633-4227
Website: www.hcfa.gov
Tuition Financial Aid
Website: www.Meritmoney.com
Description: Provides scholarship and financial aid information
for high school and college students.
Upromise
Description: A service that brings together America’s leading companies,
top investment firms, and tax specialists to help families save
more for college.
Website: www.upromise.com
Government Agencies
U.S. Department of Housing & Urban Development (HUD)
Description: An organization that helps to increase homeownership,
support community development, and increase equal access to affordable
housing.
Website: www.hud.gov
Office of Child Support Enforcement
Description: Contains links to state child support agencies for
inquiries regarding reductions in child support payments. Website:
www.acf.dhhs.gov/programs/cse/index.html
Social Security Administration
Description: Information regarding Social Security Disability Insurance
and Supplemental Security Income.
Phone: 800-772-1213
Website: www.ssa.gov
Unemployment Benefits
Description: Helps consumers better understand unemployment benefits
and eligibility restrictions.
Website: www.workforcesecurity.doleta.gov
Job Search Assistance
Job Bank
Website: www.ajb.org
Job Opportunities
Phone: 866-487-2365
Website: www.dol.gov/dol/jobs.htm
Employment Training and Assistance
Phone: 877-872-5627
Website: www.govbenefits.gov/govbenefits/benefits/report.jhtml?bid=93
Job Layoff Assistance
Phone: 877-872-5627
Website: www.doleta.gov/layoff/workers01.cfm
Career Center
Phone: (202) 219-8395
Website: www.govbenefits.gov/govbenefits/benefits/report.jhtml?bid=87
Laws
Fair Credit Reporting Act
Phone: 877-FTC-HELP
Website: www.ftc.gov/bcp/conline/pubs/credit/fcra.htm
Fair Credit Billing Act
Phone: 877-FTC-HELP
Website: www.ftc.gov/bcp/conline/pubs/credit/fcb.htm
Credit Repair Organizations Act
Phone: 877-FTC-HELP
Website: www.ftc.gov/os/statutes/croa/croa.htm
Fair Debt Collection Practices Act
Phone: 877-FTC-HELP,
Website: www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
Equal Credit Opportunity Act
Phone: 877-FTC-HELP
Website: www.ftc.gov/bcp/conline/pubs/credit/ecoa.htm
Miscellaneous
YWCA
Phone: 800-222-4738
Website: www.ywca.org
Resources And Referrals For Those 55+
AARP Legal Services Network (LSN)
Phone: 1-888-687-2277
Website: www.aarp.org/states
Benefits Checkup
Phone: (202) 479-1200
Website: www.benefitscheckup.org
Student Loan Repayment Assistance
American Student Assistance
Phone: (800) 343-8883
Website: www.amsa.com/bor/default.asp
Federal Student Loans
Phone: 800-848-0979
Website: www.ed.gov/students/landing.jhtml |
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