If you need help with paying debt, including credit cards, car loans and medical debt.
Also look here for the main NHPB site and programs that help reduce debt.
Leroy Thompson wrote: ↑Mon Aug 18, 2025 5:56 am
Hello
I was searching your website and cannot find a credit counseling company. Do you know of any and what to do if my state doesn't have one?
Thank you
Hello
I was searching your website and cannot find a credit counseling company. Do you know of any and what to do if my state doesn't have one?
Thank you
My name is Lakeisha
I came across this email while I was looking for assistance to help with my credit cards. I am employed at Fort Drum area and husband in military but I work part time don’t get a lot of hours. I did have a full time job but they let everyone go because they moving the company to another state, so I had to find something quick which is the part time job I have now. And my B of A card is past due it’s 1400 and they saying it’s has to be paid. So I’m reaching out of anyone could direct me to who I need to talk to I would be grateful, thank you
Jeans wrote: ↑Thu Feb 13, 2025 10:05 am
Hello, I am in Westmoreland county, New Kensington PA. I'm in-between jobs but also have social security fixed income. It taking a little longer than expected to get this new job started and I need help with my car and insurance payment as well as some groceries and possibly credit card payments as well. If you could send me a few links to credit counseling for people with no income other than fixed from the government or if you could point me in the right direction that would be greatly appreciated. Thank you
Hello, I am in Westmoreland county, New Kensington PA. I'm in-between jobs but also have social security fixed income. It taking a little longer than expected to get this new job started and I need help with my car and insurance payment as well as some groceries and possibly credit card payments as well. If you could send me a few links to credit counseling for people with no income other than fixed from the government or if you could point me in the right direction that would be greatly appreciated. Thank you
As far as general credit counseling, whether for a trailer or something else, that information can be found here. As there are government certified counselors too. https://www.justice.gov/ust/list-credit ... 11-usc-111
Hi, my name is Lisa and I'm desperately looking for even 1time help with paying down the debt on my trailer or a counselor to advise me have an older remodeled travel trailer, although it's difficult to find places that will rent to someone with an older trailer it's not impossible. Even some of the more seedy travel parks are asking for a ridiculous amount to move in and since I am in so much debt I cannot pay it. I would so appreciate any ideas on solutions to my situation from a non-profit credit counseling group. Thank you, Lisa
Hi all,
There are non-profits that offer free credit counseling services, and the incomes in this thread would seem to qualify everyone. There are phone and in person consultations, and find free credit counseling agencies. https://www.needhelppayingbills.com/htm ... ncies.html
Another option, since one person mentioned faith based options, is Christian Credit Counseling. This is generally not free, but very low cost. Obviously there are pros and cons to a faith based debt relief program, but read about it. https://www.needhelppayingbills.com/htm ... ncies.html
Hi Joseph
Thank you for your service. There are a few different programs that help veterans with debt, including non-profits and the government. Both the non-profits and government may be effective, and read more on and find veteran debt relief.
Aaron Martinez wrote: ↑Thu Jan 11, 2024 10:26 am
Morning, my name is Joseph I serve 12 years in the military. I am a combat veteran and did multiple tours to Iraq and Afghanistan and now my debt is very high and credit is low. I'm also 90 percent VA disabled. Currently I'm homeless living with my friend and going through a hardship. I recently got out of Prison in December 2021 and haven't been able to find a job due to my back ground and availability due to my Parole. I'm trying to move in to my own apartment due to the fact that the mother of my children drop them off and left me in charge of them due to some issues she is going through with my monthly salary and my conviction is been hard to get accepted by any apartment. Can you please contact me if you all know of any apartment that might work with me or credit counseling services for military members too. I have family violence in impeding breath felony. My credit score is low 550 for to being in the military. But I make enough off disability to get something small for my kids sake. Thank you.
Not sure if you need credit counseling or legal help. But if you want to start with counseling for information on the garnishment, that is fine. There are free non-profit services, and find online credit counseling from non-profits.
Anthony Jones wrote: ↑Sun Jan 28, 2024 1:27 pm
Good afternoon, My name is Jimmy and my fiance and 2 daughters rent a 2 bedroom condo for $1425.00 per month. We have have a huge financial impact on us over the past few months with my wages being garnished due to an old bank account where fraud happened and I lost everything I had. I now need some financial help as well as credit counseling to get back on track. I know owed thousands in overdraft charges after the person was able to continue to purchase things without having a positive balance.
Please let me know if I'm looking in the right place or not for credit counseling. I put my contact info below but should be able to respond on this email.
Good afternoon, My name is Jimmy and my fiance and 2 daughters rent a 2 bedroom condo for $1425.00 per month. We have have a huge financial impact on us over the past few months with my wages being garnished due to an old bank account where fraud happened and I lost everything I had. I now need some financial help as well as credit counseling to get back on track. I know owed thousands in overdraft charges after the person was able to continue to purchase things without having a positive balance.
My wages are garnished. My rent has been over due since the 1st of the month. I was able to pay my land lord $225 out of the 1425 I owe, and now he's demanding the remaining balance or is going to start the eviction process. What can I do to get back on track?
Please let me know if I'm looking in the right place or not for credit counseling. I put my contact info below but should be able to respond on this email.
Morning, my name is Joseph I serve 12 years in the military. I am a combat veteran and did multiple tours to Iraq and Afghanistan and now my debt is very high and credit is low. I'm also 90 percent VA disabled. Currently I'm homeless living with my friend and going through a hardship. I recently got out of Prison in December 2021 and haven't been able to find a job due to my back ground and availability due to my Parole. I'm trying to move in to my own apartment due to the fact that the mother of my children drop them off and left me in charge of them due to some issues she is going through with my monthly salary and my conviction is been hard to get accepted by any apartment. Can you please contact me if you all know of any apartment that might work with me or credit counseling services for military members too. I have family violence in impeding breath felony. My credit score is low 550 for to being in the military. But I make enough off disability to get something small for my kids sake. Thank you.
My name is Elizabeth Horace and I live on a fixed income. Max Pierce referred me to you for free counseling. My electric services are due to be shut off tomorrow for a past due balance in debt that I was unaware of.
I've exhausted any and all resources that I could when I moved into a new house and called to transfer services. I was informed of a 669.41 balance if not paid by today.
I'm scheduled to be disconnected tomorrow 250.00 has been accredited towards my balance. I'm still trying to get 419.00 debt that is due and I hope counseling helps with that. If you could please contact me it would be greatly appreciated, Thank you
I'm disable an live in an duplex and about to be eviction out my home and in debt. Thank God for help and if possible can I get section 8 voucher. I can't hardly pay my rent and light, water, trash, etc.
I'm on a fixed income and need some type of budgeting and debt counseling advice. I can't get no apartment because housing authority say I own them and I'm in the private owned my rent. It is 495 and my light run 206. My water 46. My check is 556 so is there anyway I can get voucher please. Help me I'm disabled. I've had 3 surgery on my back, Please help me with rental assistance voucher and with credit cards. May God BLESS YOU ALL and I'm 54 year old and disabled. Thanks for listening.
I am living on a fixed income and got behind on the phone bill.
My family lives out of state and I'm unable to stay in touch with them.
Also I have paid and am still paying on Dr. and dentist bills with debt counseling.
Any help is appreciated. Thank you in advance.
It need some help with my rent on my trailer this month. It's been a struggle for several months now but by the grace of God and a couple good friends we were able to pay it but this month has been more difficult. Seems like just when you think your going to make it something happens. If at all possible I would like to keep stability in my childrens' lives, so a counselor would be great. I do not want not have to uproot them from the trailer they've known as their home for 9 years. Thank you for your time.
Hi, I'm 30 years old and have major debt! I live in Venice beach CA.
I am a licensed hairstylist and have a job opportunity this Sunday for a possible long term job.
I need help getting my credit out of debt. I have made poor decisions early adult hood and now am paying the price. Please help with any referrals to credit counselors who are non-profit as I have absolutely NO money to pay up front.
Hello,
I am on Social Security Disability and receive $1150.00 a month. I bought an RV to l live in back when I was still able to work. I am still making payments on it, and I have to pay space rent payments. Between the two it comes out to be more than $600 a month which is more than ½ my disability funds.
Is there any way to get help paying the space rent? The trailer has been my home for about the last 5 years, and besides the fact it’s getting close to being paid off, it’s my home, and I don’t want to have to give it up.
Any assistance or directions to where there might be assistance would be greatly appreciated.
The federal government does offer free advice and debt counseling for military members. They are also for Navy members too, and the main program is Military One Source. It is offered in all states, including Virginia, from both local offices and there are also phone consults if that is what you want. They can make sure you get back on the right path in improving your finances. Read more on OneSource. http://www.needhelppayingbills.com/html ... ogram.html
We are a household of 4, soon to be 5 in less than 2 months. We have been doing fine on just my wife’s paycheck while I stay at home with the kids so she can focus on work. She has recently begun getting her wages garnished by a state loan association by 20%. This just happened and its really taken a toll on us. It is from some debts and loans she took out a couple years ago, and she missed some payments.
We have our car payments, rent, insurance, registration for the vehicles, food, and anything else. We try our best to budget but it seems like something always comes up that takes more than what we have and we have to put this off or put that off and we just keep falling behind. We still also need to get heating oil for this winter and we don’t even have the funds for that and don’t qualify for assistance because she makes $425 too much annually. Any help would be greatly appreciated.
