Debt help directory

Official agencies and national nonprofits, free to use. Filter by type of debt or search by keyword.

Type of debt All types Credit cards and loansDebt collectorsFederal student loansFederal tax debtMedical billsMortgage and rentUtility billsMilitary and veteransCredit reports and identity theftScams and complaintsLegal help and bankruptcy

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Find contacts

Verify before you call. Numbers and links were compiled on 21 October 2026, and organizations change them. Confirm on the official website, and never give account passwords or pay a fee to anyone who calls you first.

5 of 17 contacts for mortgage and rent

• Cards and loans

  Consumer Financial Protection Bureau (CFPB)

  Federal agency · Free

  Submit a complaint about a credit card, loan, mortgage, credit report, or debt collector. The company is asked to respond, usually within 15 days.

  Phone

  855-411-2372

  Website

  consumerfinance.gov/complaint

  Helps with: Cards and loansCollectorsHousingCredit reportsScamsStudent loansMedical

• Cards and loans

  National Foundation for Credit Counseling (NFCC)

  National nonprofit · Free

  Find a member nonprofit credit counseling agency for a budget review and, if suitable, a debt management plan. Counseling sessions are often free or low cost; plans may carry a modest monthly fee.

  Phone

  800-388-2227

  Website

  nfcc.org

  Helps with: Cards and loansCollectorsHousing

• Housing

  HUD-approved housing counselors

  Federal agency (HUD) program · Free

  Find a HUD-approved counselor for help with mortgage trouble, foreclosure avoidance, or rental problems. Many services are free.

  Phone

  800-569-4287

  Website

  consumerfinance.gov/find-a-housing-counselor

  Helps with: Housing

• Utilities

  211 (United Way and partners)

  National nonprofit referral line · Free

  Dial 211 to reach local help with rent, utility bills, food, and other essentials. Coverage and programs vary by area.

  Phone

  211

  Website

  211.org

  Helps with: UtilitiesHousingMedical

• Legal help

  Legal Services Corporation: find legal aid

  Federally funded nonprofit · Free

  Find a local legal aid organization that may help with debt collection lawsuits, wage garnishment, or eviction if your income qualifies.

  Website

  lsc.gov

  Helps with: Legal helpCollectorsHousing

How the directory is chosen

Only government agencies, federally authorized services, and national nonprofits are listed. Debt Rolodex does not list for-profit debt settlement, consolidation lenders, or credit repair companies, and nobody pays to be included.

State programs and laws vary. For state-specific help, start with your state attorney general or dial 211.