Help For American Residents
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State and Federal Assistance Resources
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Free DIY Resources
Proud to support financial literacy education:
We're here to help.
American residents are struggling to keep up with payments as interest rates and costs of living rise.
The growing bills have become so overwhelming, many feel stuck and don’t know what to do next.
This led more than 31,000 residents to reach out for help last month.
Most are trying their best to get out, but high interest payments are making it nearly impossible to catch up. Many are concerned bankruptcy will soon be their only option.
By answering a few simple questions, residents can receive a free evaluation and find out if they can consolidate multiple payments into one.
Last month, more than 31,000 American residents reached out. Each with their own story.
An Overview of Relief Resources
Video Summary
This video explains how bills can often become overwhelming due to unexpected life events such as a business downturn, reduction in income, or medical hardship. It’s important for consumers to be aware of all options available to help with unmanageable bills — as well as state and federal hardship assistance available for individuals and families.
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This video provides information on federal regulations and protections in place to help consumers understand their rights and responsibilities.
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This video provides details on the Truth-In-Lending Act which protects consumers from unfair and predatory lending and credit card practices.
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This video explains how the FDCPA protects consumers against unfair and abusive collection practices.
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This video provides an overview of the Consumer Financial Protection Bureau, including its mission and purpose as an agency dedicated to making sure individuals and families are treated fairly by banks, lenders, and other financial institutions.
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This video summarizes options available to consumers who are experiencing financial hardship. It’s important for consumers to understand consolidation loans and options, as well as bankruptcy rights, requirements, and regulations.
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This video provides a variety of information regarding DIY self-help options available to consumers experiencing financial difficulty. It’s important to be educated on budgeting, spending and self-help options available to consumers who desire to take control of their financial future.
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This video educates consumers facing home foreclosure of the state and federal resources available to help, as well as steps they can take to avoid foreclosure.
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This video informs taxpayers of a resource available to help taxpayers via the “IRS Taxpayer Advocate Service”. Known as the “taxpayer’s voice at the IRS”, it was mandated and created as an independent agency to help taxpayers resolve IRS issues.
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This video provides information on a wide range of local, state, and federal resources available to help families, veterans, and the elderly experiencing personal or financial hardship.
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This video highlights the importance of educating young people on all areas of financial responsibility and management.
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This video explains how important it is for people from all walks of life to share their story – as a source of hope and encouragement to empower others.
Our Story
We began in 2007 as a credit education organization – helping individuals and families understand all about personal credit and the wise use of credit. Then, in 2008 a financial crisis hit with cheap, easy-to-obtain credit and lax lending standards that led to a housing bubble that quickly grew out of control. The recession that followed caused many people to lose their savings, and their homes. People began to reach out to us for help, not for credit information, but to cope with overwhelming bills. In response, we first educated ourselves on all aspects of coping with debts including consolidation options as well as DIY self-help steps consumers can take on their own. Now, through educating individuals and families on consolidation options, free DIY resources through Project Debt Box, and providing information and access to hardship assistance and social services for those in the most difficult of situations, we now support a community committed to encourage, empower, and inspire each other.