211
Connects you to local help for food, housing, bills, health and more. Dial 211 or search online.
24/7 in most areas
For people buried under bills, loans or credit cards. Talk with people in United States who know what it is like, find help near you, and join the worldwide circle too. Free, always.
Next gathering in the United States circle: Weekly check-in ยท
Connects you to local help for food, housing, bills, health and more. Dial 211 or search online.
24/7 in most areas
Find government benefits you may qualify for: food, health care, housing, unemployment and more.
We help people with debt and money stress and scam and fraud victims, in person in Reno and online. Sessions are relaxed and you set the pace.
Mon to Fri, 9 to 5
Estimate which assistance programmes your household may qualify for after losing income. No account needed.
Run by people who have been through debt and money stress and gambling problems themselves.
Evenings and weekends
A small team supporting medical bills and debt and money stress. Free first conversation, then low-cost sessions.
Weekdays and Saturday mornings
A small team supporting medical bills and debt and money stress. Free first conversation, then low-cost sessions.
Mon to Fri, 9 to 5
Practical help for people dealing with debt and money stress and gambling problems, plus a weekly drop-in.
Tue to Sat, 10 to 6
Run by people who have been through medical bills and gambling problems themselves.
Mon to Fri, 9 to 5
โDear stranger, this time last year I was exactly where you are. It was minimum payments forever and I couldn't see past it. Today I went for a walk and didn't cry once. Things come back, slower than you'd like but they do. Hang on.โ
โWhen the debt first hit me I felt like I was going under. I kept it from my wife out of shame, which only made things heavier. What helped was finally telling someone. After that I sat down and wrote out every debt I owed, then worked out how to clear them bit by bit. It is slow going and some weeks are rough. Still, it can be done. Plenty of people have been where you are. Ask for help. Tell someone you trust. And just keep chipping away at it. That is where I am at right now.โ
โIf you're at the start of this, I won't pretend it's easy. The first few months were the worst of my life. But I'm writing this from the other side, and some days now I forget to be sad and free debt advice was the best call I made, they dealt with the creditors for me. Go slowly.โ
โIf you're just starting this, the first thing I'd say is open the post. I know it's scary. I know the red letters make your stomach drop. But the not knowing is worse. Call someone, anyone: the city, a debt charity, even just a friend who can sit with you while you do it. You don't have to fix it all at once. Just start with one envelope.โ