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AFCPE
Debt Free Counselors are certified by the Association for Financial Counseling and Planning Education

Other Additional Resources:

Child Care:


National Childcare Information Center:
Information and phone numbers for everything from help with childcare costs to health and safety.
    www.nccic.org

EIC (Earned Income Credit) Advanced Payments:
    www.irs.gov

United Way:
    Provides information for applicable programs that are available.
    www.unitedway.org

WIC:
    Woman, infants and children: supplies protein foods (milk, cheese) for low income families.
    Usually for children up to 5 years old.
    www.fns.usda.gov/wic

Consumer Issues:

Identity Theft Resource Center:
    Provides victim and consumer support as well as public education on identity theft.
    www.idtheftcenter.org

About Checking:
    Teaches and helps to maintain a checking account.
    www.aboutchecking.com

Bankrate:
    Provides consumer information, financial calculators, rates etc.
    www.bankrate.com

Credit Reporting Agencies:
    Equifax: www.equifax.com
    Experian: www.experian.com
    Trans Union: www.transunion.com

Debtors Anonymous:
    www.debtorsanonymous.org

Do Not Call List:
    Prevents telemarketers from calling your home.
    www.donotcall.gov

FTC-Federal Trade Commission:
    For help with creditor harassment, identity theft and fraud.
    www.ftc.gov


Legal Assistance:

Free Legal Aid in California:
Oversees and protects the rights of victims of domestic violence, help with bankruptcy, familiy law, divorce, immigration, landlord-tenant and employment issues.
 www.usattorneylegalservices.com/free-legal-aid-california.html


Elderly:


AARP:
    www.aarp.org

Food Stamps:
    www.fns.usda.gov/fsp

Social Security:
    www.ssa.gov

United Way
    www.unitedway.org


Help/Prevention Programs:


Debtors Anonymous:
    www.debtorsanonymous.org

Do Not Call List:
    Prevents telemarketers from calling you home.
    www.donotcall.gov

Employment Rights for Survivors of Abuse (E.A.R.S.E)
    Helps abuse victims in NJ with benefits and employment
    www.safeatworkcoalition.org

Gamblers Anonymous:
    www.gamblersanonymous.org

Narcotics Anonymous:
    www.na.org

National Abuse Hotline:
    Provides information on shelters, privacy issues, legal advocates and medical help.
    www.ndvh.org

National Suicide Hotline:
    Provides emergency assistance.
    www.suicidehotlines.com

SCORE – Service Corps of Retired Executives:
    Provides volunteer entrepreneur education and information to help small businesses.
    www.score.org

US Department of Labor:
    Website provides information on unemployment benefits, insurance, locating a job, etc.
    www.doleta.gov/layoff


Medical Expenses:

American Diabetic Foundation:
    Provides free medical supplies for teachers and social workers.
    www.americandiabetes.com

Eldercare Locator:
    Assists in finding state programs.
    www.eldercarelink.com

Medicare:
    www.medicare.gov

National Institute of Mental Health:
    www.nimh.nih.gov

Needy Meds
    An information source to help get free or discounted prescriptions. Lists information about prescription programs.
    www.needymeds.org

Pharmaceutical Research & Manufacturers of America:
    Offers a free directory of drug assistance programs.
    www.phrma.org


Mortgages:

Bankrate:
    Provides consumer information, financial calculators, rates, etc.
    www.bankrate.com

Consumer Insurance Guide:
    Answers questions about home insurance coverage.
    www.insure.com

Fannie Mae:
    Provides information on approved lenders, defaulted loans, etc.
    www.fanniemae.com

Freddie Mac:
    Provides information on getting help for federal mortgage loans.
    www.freddiemac.com

Home Renting:
    For information on renting out or renting a home and forms that are available.
    www.uslegalforms.com

HUD: (Housing and Urban Development)
    Provides information on HUD housing and section 8
    www.hud.gov

Interest.Com
    Mortgage calculators.
    www.interest.com

National Reverse Mortgage Lenders Association:
    Publishes a list of lenders.
    www.reversemortgage.org


Student Loans:

Academic Management Services:
Provides interest free payment plans and loans to parents who send their children to participating private schools.
    www.salliemae.com

Educaid:
    Allows parents to borrow for private school tuition.
    www.wachovia.com/education

Federal Student Aid Information Center:
    Provides information on federal loans, aid and grants.
    www.fafsa.ed.gov

Higher Education Student Assistance Authority (HESAA):
    Answers questions regarding student loan repayment and default prevention.
    Helps students find the servicing center and status of their federal loans.
    www.hesaa.org

Loan Locator:
    Helps locate who administers a student loan.
    www.studentclearinghouse.org

US Department of Education
    Provides information on student loans programs.
    www.ed.gov

Veterans Education Benefits
    www.ed.gov/index.jhtml


Utility Help Programs:

LIHEAP:
    Low Income Home Energy Assistance Program (Federal).
    www.acf.hhs.gov/programs/ocs/liheap


All services are provided either in person or over the Internet via telephone, fax and e-mail.
Regular Business Hours:8:00 am to 5:00 PM PST, Monday through Friday