Learn about Chapter 7 and Chapter 13 bankruptcy at workshops or get one-on-one assistance to review your personal debt.

Speak with a counselor and learn about your rights and responsibilities as a consumer. If you are a victim of a scam, fraud or identity theft, you might be referred to an investigative unit to try to recover any losses.

Learn how to establish a positive credit history (even for individuals with no credit history) or improve your credit by opening small dollar installment loans or a secured credit card.

Learn how to manage and reduce debt. Counselors can assist in developing a plan to improve your credit score by helping you review your credit report.

Attend a workshop to learn about laws that protect consumers against debt collectors, the litigation process, wage garnishments, and how to get a debt settlement or repayment plan.

Participate in one or more workshops to learn about safe and affordable financial products (checking and savings accounts), saving, managing credit, reducing debt, and more.

Meet regularly one-on-one with a financial coach to help you establish and work to meet financial goals. A financial coach will help guide, support, and motivate you to achieve long-term positive financial outcomes.

Discuss specific financial matters such as household budgeting or managing credit in a one-on-one session with a counselor.

Tax preparation assistance programs help low to moderate income individuals and families file their tax returns at no cost. Find out what tax credits you qualify for such as the Earned Income Tax Credit (EITC) and Child Tax Credit (CTC).

Find opportunities to invest in a home by connecting with first-time homebuyer programs. Foreclosure prevention programs help homeowners work with lenders to identify options to avoid foreclosure. They also help tenants renting a home that are at risk of foreclosure.

Start saving towards your financial goal by participating in an incentive savings program. Also, learn about various savings programs such as the Scholar Savings Programs (529 plans), and Individual Development Accounts (IDAs).

Get legal assistance by attending a legal clinic or educational workshop.

Get guidance on transitioning from high-cost alternative financial providers such as check cashers and payday lenders to low-cost and low-risk financial services. This can include opening a checking and savings accounts.

Get connected to financial services such as loans, savings, insurance, and remittances for entrepreneurs and small businesses.

Some of the organizations in this resource directory provide additional services and programs. Check the organization profiles for more information.