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Portfolio of Credit Management, Personal Finance Education Programs, Fair Debt Collection
Click Here to access our Complimentary, Self-Study Consumer Finance Education Course offered to all consumers whether or not they join any of our programs.
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Debthelper.com believes a pro-active approach to counseling is the best approach. Personal finance education is often overlooked as a necessary curriculum in our educational system and therefore
DebtHelper.com strives to provide personal finance education whenever possible to local high school and college classes. For community groups and businesses located in the South Florida area,
Credit Card Management Services offers free, on-site personal finance and credit education seminars catered to your audience’s interests and needs.
Military Personnel Assistance
Department of Labor
Federal Reserve System
- Get Financially Fit
- The Warm Up: Get Ready for the Financial Fitness Challenge! Volume 1 (67 KB PDF)
- The Work Out: Take the Financial Fitness Challenge! Volume 2 (90 KB PDF)
Federal Trade Commission
Securities and Exchange Commission
- An Introduction to 529 Plans
- Calculators for Investors
- Get the Facts: The SEC’s Roadmap to Saving and Investing
- Get More Money Now, brochure and Web site in Spanish and English created by the Education and Research Foundation of the Better Business Bureau Serving Metropolitan New York.
- Get Rich Slow, women’s retirement game developed by the Boston College Center for Retirement Research.
- Employ Florida Marketplace Employ Florida Marketplace is an online portal to job-matching services and many other workforce resources. Job seekers may create and post resumes, search openings in all counties and access other career development tools. Visit https://www.employflorida.com/.
Florida Health Care Resources
If you need health care coverage or a supplement to current coverage, there is a web site resource for health care. Search for free and low cost resources for preventative care, medications, prenatal care and immunizations, or other health services. You can find services based on where you live, your age, or the kind of help you need, or search for resources by a condition. On the web, go to http://www.forfloridashealth.com/home.do.
The State of Florida offers health insurance for children from birth through age 18, even if one or both parents are working Florida KidCare is for children, not adults. Information is available for grandparents who are raising grandchildren and for non-citizens at the website. On the web, go to http://www.floridakidcare.org/ or call (888)540-5437 for more information.
Cover Florida Health Care Program
Cover Florida Health Care is a comprehensive market-based plan to offer affordable health coverage to 3.8 million uninsured Floridians without using taxpayer dollars. With most plans under $150, Cover Florida benefit options include coverage for preventive services, screenings, and office visits, as well as office surgery, urgent care, prescription drugs, durable medical equipment, and diabetic supplies. To learn more about Cover Florida please visit: www.coverfloridahealthcare.com.
Partnership for Prescription Assistance Program
The Partnership for Prescription Assistance brings together America’s pharmaceutical companies, doctors, other health care providers, patient advocacy organizations and community groups to help qualifying patients who lack prescription coverage get the medicines they need through a public or private program. To determine if you qualify for free, or nearly free, prescription medicines, call (888)4PPA-NOW (888)477-2669 or go to: www.pparx.org
Florida Discount Drug Card Program
All Floridians can sign up for the Florida Discount Drug Card to save on their prescription medications. Enroll online at http://www.floridadiscountdrugcard.com/ by telephone: (866)341-8894 or TTY Users may call: (866)763-9630.
Family Health Line
Administered by the Florida Department of Health, this program offers referral information for prenatal care, infant and toddler health care, Healthy Start, family planning, and for basic health questions. Toll-free number: (800)451-2229.
Medically Needy (Share of Cost) – Department of Children and Families
Individuals who are not eligible for full” Medicaid because their income or assets are over the Medicaid program limits may qualify for the Medically Needy program. Information about this program can be found on the web:http://www.dcf.state.fl.us/programs/access/medicaid.shtml#pw
FloridaLawHelp.org is administered by Florida Legal Services, Inc. and is produced in cooperation with Pro Bono Net and the legal service organizations and government agencies throughout Florida and the United States. The web site is: http://floridalawhelp.org/
Utility Company Assistance Program Most utility companies offer programs that provide emergency assistance for paying utility bills and equipment replacement. Contact your local utility company.
Weatherization Assistance Program Community action agencies and local governments administer weatherization Assistance Programs locally. Its purpose is to help low-income households to lower energy costs by improving the energy efficiency of the home. FL: http://www.floridacommunitydevelopment.org/wap/index.cfm
Low Income Home Energy Assistance Program The Low-Income Home Energy Assistance Program provides federal money to non-profit agencies and local governments so they can assist low-income families with home heating and cooling costs. To see if you are eligible for this assistance and for local providers in your area, go to the Department of Community Affairs website: http://www.dca.state.fl.us/fhcd/liheap/index.cfm
Lifeline and Link Up Florida Telephone Programs Lifeline Assistance Programs designed to make telephone service affordable to low-income customers. If you have questions, you may call the Florida Public Service Commission’s Division of Regulatory Compliance and Consumer Assistance at (800)342-3552 The web site is http://www.floridapsc.com.
SafeLink Wireless makes wireless telephone service and cell phones more affordable by offering Lifeline service for qualified households. Contact the website of Florida Office of Public Counsel for eligibility information: http://www.floridaopc.gov/ or call toll free at (800)540-7039.
Food and Nutrition Resources
Food Assistance Program The Food Assistance Program helps low-income households purchase food. The program is administered in the state through the Florida Department of Children and Families. For more information and eligibility requirements, go the Access FL website: http://www.dcf.state.fl.us/programs/access/foodstamps.shtml.
Women, Infants, and Children Nutrition Program (WIC) WIC is a federally funded nutrition program that provides healthy foods, nutrition education and counseling, breastfeeding support, and referrals for health care. If a woman is eligible, these resources are provided at no cost. For information, go to the website: http://www.floridawic.org/pages/wic.htm
Child Care Resources
Child Care Resource and Referral Network The Child Care Resource and Referral Network provide information about state funded early learning programs, such as: the School Readiness, Voluntary Prekindergarten, Early Head Start, and Even Start programs. (866)357-3239.
Domestic Violence Resources
Florida Coalition Against Domestic Violence Domestic Violence can occur in any household, regardless of the income level. To find the local certified domestic violence center nearest you, go to the website of the Florida Coalition against Domestic Violence at http://www.fcadv.org/ or call the toll-free statewide hotline (800)500-1119.
Substance Abuse Recovery
The Recovery Village is a network of rehabilitation facilities that offers comprehensive treatment for substance abuse disorders as well as co-occurring mental health conditions. Orlando Area Florida https://www.therecoveryvillage.com
TED-Ed’s commitment to creating lessons worth sharing is an extension of TED’s mission of spreading great ideas. Within TED-Ed’s growing library of lessons, you will find carefully curated educational videos, many of which represent collaborations between talented educators and animators nominated through the TED-Ed platform.
Academic Earth: is an organization founded with the goal of giving everyone on earth access to a world-class education. www.academicearth.org
YouTube: Founded in February 2005, YouTube allows billions of people to discover, watch and share originally-created videos. The academic collection features content from more than 300 colleges and universities from ten countries in seven languages and growing. www.youtube.com/education
Open Culture: a smart guide to free audiobooks, language lessons, academic podcasts, classes and intelligent video sites. www.openculture.com
Sallie Mae: Save, plan & pay for a college education. Private student loans, online banking, college loans, scholarships, undergraduate & graduate student loans. www.salliemae.com
U.S. Department of Education: site explains how to view Federal loan documents, entrance counseling and how to sign promissory notes. www.studentloans.gov
FAFSA: The Free Application for Federal Student Aid (FAFSA). All students interested in financial aid for college will need the FAFSA. www.fafsa.ed.gov
Student Loan and Education Resource List: Resources for students who need help financing their education and information on what you need to know before and after signing for a loan.
A Pell Grant: is a post-secondary educational Federal grant sponsored by the U.S. Department of Education. www2.ed.gov/programs/fpg/eligibility.html
The Khan Academy: is a not-for-profit 501(c)(3) with the mission of providing a world-class education to anyone, anywhere. Khan is complementing Salman’s ever-growing library with user-paced exercises–developed as an open source project–allowing the Khan Academy to become the free classroom for the World. www.khanacademy.org
Consolidating Private Student Loans Some Private Lenders will allow you to consolidate the private loans they service with other private loans you have borrowed. Check with your servicer to find out.
National Financial Capability Challenge
The National Financial Capability Challenge is an awards program designed to increase the financial knowledge and capability of high school aged youth across the United States so they can take control over their financial futures. http://www.challenge.treas.gov/
SmartyPig makes it easier than ever to experience the personal satisfaction and financial rewards that come from systematically saving for specific purchases. SmartyPig even enhances your savings with cash back savings that make your money go further! Best of all: it’s completely FREE. No fees. No catches. No “buying clubs.” It’s an FDIC-insured savings account — and so much more. www.smartypig.com
Annuity.org is a premier informational resource on the internet about annuities and structured settlements. They have created one of the most comprehensive, easy-to-read guides covering setting a budget, how to use credit responsibly, planning for retirement and much more. You can check out their guide here: click to read guide
Located in Washington D.C. Rebuilding Together works with local affiliates to provide assistance with home repairs to low income families, seniors, or anyone with a handicap. 1-800-473-4229. www.rebuildingtogether.org
HelloWallet is an online financial planning tool that helps its members manage their finances, reduce debt and build savings to get ahead. With HelloWallet, you can help your clients stick to a budget, track their financial plan and find better bank products in their neighborhood. HelloWallet is 100% independent from banks, credit unions, 401(k) providers and any other financial institutions.
Student Loan settlement option is finally possible! Student Loan Escape helps Americans Settle Private Student Loans for 40-60% less. Student Loan Escape is a small team of experts, dedicated to providing superior service and step-by-step guidance to consumers who are seeking to escape from everlasting Student Loans and unsecured debt. At Student Loan Escape they offer professional advice, knowledge and expertise to help Americans get out of debt and bring back financial control over their lives.
Easy, Fun, and Free Financial Skills Courses for You and Your Family. Whether you’re a parent, a student, or a mature adult; a homeowner or a business owner; a first-time employee or a recent retiree; use the Hands on Banking program to find the knowledge and skills you need to manage money to your best advantage.
Mortgage and Home Equity Credit
- Reverse Mortgages
- Mortgage Servicing : Making Sure Your Payments Count
- Looking for the Best Mortgage
- Home Equity Credit Lines
- Co-signing a Loan
- Shopping for a Mortgage
- Think Twice About Using Your Home as Collateral
- Mortgage Discrimination
- Home Equity Loan Borrowers Beware
- High-Rate High-Fee Loans
- Cancellation of Private Mortgage Insurance : Save Money!
- Foreclosure Rescue Scams
Credit Education and Collection Laws
Privacy and Protection
- Consumer’s Guide to E-Payments
- Avoiding Credit and Charge Card Fraud
- What to Do About Stolen Credit, ATM, and Debit Cards
- Electronic Banking
- What is Identity Theft?
- What if You’re a Victim of Identity Theft?
- Privacy Choices for Your Financial Information
- Privacy : What You Know Can Protect You
- Automatic Debit Scams
- E-Checks : Electronic Check Conversion
- Medical ID Theft:Health Information for Older People
- Choosing and Using Credit Cards
- Ads Promising Debt Relief May Be Offering Bankruptcy
- Getting Credit : What You Need to Know About Credit
- Knee Deep in Debt
- Out of Work ? How To Deal With Creditors
- Utility Credit
- Ready, Set…Credit!
- Negative Credit Can Squeeze a Job Search
- How To Dispute Credit Report Error
- Ask Credit Reporting Companies to Remove Errors on Your Credit Report
- Fiscal Fitness : Choosing A Credit Counselor
- Credit Scoring
- Credit Repair : Self Help May Be Best
- Credit and Debt Card Blocking
- Building a Better Credit Record
- Free Annual Credit Report
- For People on Debt Management Plans: A Must-Do List
- Credit Card Payoff Calculator
Download Financial Education Guide
- English Financial Education Guide for Standard Letter Printing
- English Financial Education Guide for Bulletin Printing
- Spanish Financial Education Guide for Standard Letter Printing
- Spanish Financial Education Guide for Bulletin Printing
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