Começando do Zero
Ajuda com debt.
Collectors calling, or payments that no longer fit.
O que fazer hoje
- 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.
Programas que vale conferir
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
OficialFree civil legal help with evictions, benefits denials, debt lawsuits, family matters, for people who qualify by income.
Quem pode se qualificar: 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.
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OficialOne 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.
Quem pode se qualificar: Everyone. No eligibility; it's a navigator, not a benefit.
Encontre ajuda perto de você
O Findhelp abre direto nos resultados para o seu CEP. O seu CEP vai apenas para o serviço de localização que você tocar, nunca para nós, e nada é armazenado.