- a free resource for U.S. residents
Helping Individuals, Families, and Businesses
Talk to a real person: (833) 394-5990
Para asistencia en español llame (855) 996-0444

Help For U.S. Residents

Free DIY Worksheets and Printouts
Free tips and tools to help take control of finances.
Federal Assistance Resources
Federal resources for people experiencing financial difficulty.
Consolidate Multiple Payments Into One
Individuals, families and businesses can now request a consolidation evaluation online.
Proud to support financial literacy education:
Operation Hope Council for Economic Education United Way

We're here to help.

With finances becoming increasingly unmanageable, many individuals, families, and businesses are searching for financial breathing room.

Consolidation options are providing many U.S. residents with the help they need to responsibly and affordably resolve bills and still have enough money left over each month for life’s other expenses.

Last month, more than 15,100 U.S. residents reached out.
Each with their own story.
My family has been struggling to keep our heads above water for months, and we are getting to the point we can’t do it anymore.
To be honest I’m scared that I’ll never get out of the debt I am in and declaring bankruptcy will be my only option.
We are absolutely drowning and I don’t know what to do anymore. We simply can’t get ahead.
I wasn't sleeping, I was in a real bad place. I didn't know which way to turn.
I just got tired of making all these monthly payments, and I really wasn't going anywhere. I just felt like maybe I was wasting my money.
It was a struggle to keep up. I just couldn't continue the way it was.

An Overview of Relief Resources

Our Story

We began in 2007 as a credit education organization – helping individuals and families understand all about personal credit and the wise use of credit. Then, in 2008 a financial crisis hit with cheap, easy-to-obtain credit and lax lending standards that led to a housing bubble that quickly grew out of control. The recession that followed caused many people to lose their savings, and their homes. People began to reach out to us for help, not for credit information, but to cope with overwhelming bills. In response, we first educated ourselves on all aspects of coping with debts including consolidation options as well as DIY self-help steps consumers can take on their own. Now, through educating individuals and families on consolidation options, free DIY resources through Project Debt Box, and providing information and access to hardship assistance and social services for those in the most difficult of situations, we now support a community committed to encourage, empower, and inspire each other.

Consumer Debt Information

Resources to help U.S. residents in need of assistance