Help with debt.

Collectors calling, or payments that no longer fit.

What to do today

Know your rights before the next call: validation, disputes, no harassment (FDCPA).
Call original creditors and say 'hardship program.' Early callers get real options.
Free nonprofit credit counseling (NFCC) reviews everything before any paid 'relief' pitch is worth a minute.

Programs worth checking

You may qualify depending on income, household size, disability status, age, location, and other factors. Programs and rules change by state and year; the official link is the authority.

Free legal aid

Official

Free civil legal help with evictions, benefits denials, debt lawsuits, family matters, for people who qualify by income.

Who may qualify: Income-qualified. You may qualify depending on income, household size, disability status, age, location, and other factors. Programs and rules change by state and year; the official link is the authority.

Official site Last reviewed: 2026-08-14

211

Official

One free, confidential call or website connecting you to local help: food, rent, utilities, shelter, childcare, crisis support. Available across most of the United States, in many languages, usually 24/7.

Who may qualify: Everyone. No eligibility; it's a navigator, not a benefit.

Official site Last reviewed: 2026-08-14

Find help near you

See what exists in your county One ZIP code unlocks the local layer: food, rent, utility and health help near you.

The same ZIP works on the other official locators: 211.org Food bank locator Health centers

Findhelp opens straight to results for your ZIP. Your ZIP goes only to the locator you tap, never to us, and nothing is stored.

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