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 — 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.