For help with housing:
For help if you are struggling with student loan payments:
For steps to take if you are struggling to pay your bills:
For help preparing for a financial crisis in the future:
For help preparing for a disaster in the future:
Patient Advocate Foundation: Offers assistance to patients with specific issues they are facing with their insurer, employer and/or creditor regarding insurance, job retention and/or debt crisis matters relative to their diagnosis of life-threatening or debilitating diseases. 800-532-5274 www.patientadvocate.org
Families USA: provides resources for health care-related issues such as the uninsured, prescription drugs, Medicare, and Medicaid. 202-628-3030 www.familiesusa.org
AARP Legal Services Network: Provides easy access to attorneys who reduce their fees for AARP members and provide free 30-minute consultations in person or over the phone. 888-687-2277 www.aarp.org/states
Benefits Checkup: Provides a comprehensive 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 www.benefitscheckup.org
Service Members Civil Relief Act: 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). You must contact your creditor in writing and provide a copy of your orders. Contact the Legal Assistance Officer in your unit. usmilitary.about.com/cs/sscra/a/scra2.htm
Vet2Vet Veterans Crisis Hotline: 877-838-2838
U.S. Department of Veteran Affairs: Provides information about veteran benefits, services, health and well-being, burials, and memorials. It also provides locations for VA hospitals, clinics, vet centers, regional benefits offices, and regional loan centers. 800-827-1000 www.va.gov
For information about the Child Support Enforcement Agency in your area. Go to www.acf.hhs.gov/programs/cse/extinf.html to locate the office in your state.
GOVERNMENT ASSISTANCE PROGRAMS
Food Stamps: 800-221-5689 http://www.fns.usda.gov
Low Income Energy Assistance Program: LIHEAP is a federally funded program to help eligible low-income households meet their home heating and/or cooling needs 866-674-6327 https://www.acf.hhs.gov/ocs/programs/liheap
General Government Benefits: 800-333-4636 www.benefits.gov
Disability Assistance: Provides information on disability-related programs, services, laws, and benefits. www.dol.gov
Payday loans carry high annual percentage rates, ranging from 100% to 1,000%, or more which are much higher than those charged by banks, credit unions, and other financial institutions. If a payday lender is in violation of state laws, legal action can be taken. Contact your state legislature or attorney general.
The National Association of Consumer Advocates: 202-452-1989 www.consumercadvocates.org can also provide assistance to victims of Payday lending.