Free US debt help directory
Every legit debt-help contact, one card away.
Skip the ads and lookalike sites. Debt Rolodex lists the official agencies and national nonprofits that help with credit cards, collectors, student loans, taxes, medical bills, and housing, with the number to call and the site to check.
Pick a card by debt type
- Credit cards and loans 3 contacts
- Debt collectors 6 contacts
- Federal student loans 2 contacts
- Federal tax debt 2 contacts
- Medical bills 3 contacts
- Mortgage and rent 5 contacts
- Utility bills 2 contacts
- Military and veterans 2 contacts
- Credit reports and identity theft 3 contacts
- Scams and complaints 4 contacts
- Legal help and bankruptcy 2 contacts
Three steps before you call anyone
List what you owe
Write down each debt, its balance, interest rate, and minimum payment. The payoff calculator uses exactly these numbers.
Check your credit reports
Free reports from all three bureaus at AnnualCreditReport.com show who says you owe what.
Go to the source
Use the directory to reach the right agency or nonprofit, and never pay a company upfront to fix debt.
Plain guides
Debt collector rights: what collectors can and cannot do
Your rights under the Fair Debt Collection Practices Act and Regulation F, the validation notice, how to dispute a debt, call limits, and where to complain.
Debt relief scams: red flags and safer options
How debt settlement, credit repair, and student loan scams work, the federal ban on upfront fees, the warning signs, and free legitimate alternatives.
Debt snowball vs avalanche: which payoff method fits you
How the debt snowball and debt avalanche methods work, a worked example with real numbers, when each one wins, and how to start either plan this month.
Snowball or avalanche?
Enter your debts once and see both plans side by side: payoff order, months to debt free, and total interest.
Compare payoff plansScam check: a company that wants a fee before it has settled any of your debts is breaking federal rules for phone sales. Learn the red flags.