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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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.

2 of 17 contacts for utility bills

• Utilities

  LIHEAP energy assistance (NEAR line)

  Federal program (HHS), run by states · Free

  Find your state's Low Income Home Energy Assistance Program office for help with heating and cooling bills or a shutoff notice.

  Phone

  866-674-6327

  Website

  acf.gov/ocs/programs/liheap

  Helps with: Utilities

• 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

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.