Free, qualified debt advice is available across the US. If you are struggling with debt, speaking to a trained adviser can help you understand your options and find the most suitable way forward.
NFCC (National Foundation for Credit Counseling)
The NFCC is the largest nonprofit financial counseling organization in the US. Member agencies offer free or low-cost credit counseling, debt management plans and budgeting support. Visit nfcc.org or call 1-800-388-2227.
CFPB (Consumer Financial Protection Bureau)
The CFPB is a federal government agency that helps protect consumers in the financial marketplace. They offer free resources on debt, credit, student loans and more. Visit consumerfinance.gov.
211.org
Call or text 211 to be connected with free local financial counseling, emergency assistance and community programs. Available in most states. Visit 211.org for online access.
InCharge Debt Solutions
InCharge is an NFCC member nonprofit offering free credit counseling and debt management plans. They can help you understand your options and set up a repayment plan if appropriate. Visit incharge.org.
When to contact a debt adviser
- You are struggling to make minimum payments
- You are missing payments
- You are using credit to pay for essentials
- You feel overwhelmed by multiple debts
- A creditor has contacted you about debt collection
How Ask Fin fits in
Ask Fin provides general educational support and helps you understand your money position. It does not replace qualified debt advice. If your situation is serious, please contact one of the free services above first.
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Ask Fin provides general guidance and educational support. It does not replace regulated debt advice. If you are struggling with debt, please contact a free debt advice charity.