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Credit and Debt Resources

Help computerAre you in a credit and debt crisis? Or maybe you’re just looking to go deeper into this topic? There are many free and low-cost resources available to help you. Here are a few:


Just as you would call 9-1-1 in an emergency, you can call 2-1-1 ( from anywhere in North America using your phone or computer to speak to a specialist in your community who can help you find a variety of free services including:

  • Disaster and emergency help
  • Housing and food assistance
  • Employment and education opportunities
  • Help starting a business
  • Help for special groups such as veterans and victims of domestic abuse

National Foundation for Credit Counseling

Get free or low-cost counseling to help you get out of a financial crisis or improve your money management. Visit or call 1-800-388-2227 to connect with these and other types of financial guidance:

  • Debt counseling
  • Bankruptcy counseling
  • Homeownership counseling
  • Reverse mortgage counseling
  • Student loan debt counseling

Get Your Free Credit Report

Get your free credit reports from Equifax, Experian and TransUnion at

Consumer Financial Protection Bureau

File a complaint about a financial product or service at and dig deeper into how credit cards work at

Federal Trade Commission

The FTC has many helpful consumer pages, including information on identity theft (, disputing credit card charges and correcting errors on your credit report.

Identity Theft Resource Center

Learn how to protect yourself and what to do when your identity is stolen at

Bankruptcy Counseling and Advice

The federal courts administer bankruptcy and will require that you seek credit counseling through one of the U.S. Courts approved organizations. Although you can file on your own, you probably will want a lawyer to help you file for bankruptcy. Your lawyer can help guide you on the type of bankruptcy to file and guide you through the long-term impacts.

After you file for bankruptcy, you also must complete debtor education through a U.S. Courts-approved provider. 

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