HELPFUL RESOURCESOften, consumers are unaware of the various resources and programs that are available for assistance in several different areas. Novadebt has provided guidance in helping you obtain information about resources and programs that may be able to help you with your overall situation. | |
 | There are several programs available for help with child care costs, supplies and food. Several resources are available to provide information on these topics as well. |
 | Consumers should be well aware of the various resources available which provide information about businesses and credit. |
 | Find out how to locate an attorney. |
 | There are several resources available, for seniors, that can help in many areas. |
 | Help is just a click away. Programs are available for help with debt, abuse, gambling, dependencies, suicide, etc. |
 | Prescription costs can be quite high. Programs are available for help in this area. |
 | Buying a home may be the most important financial decision on one's life. Find out information. |
 | There are several ways to track an existing student loan, set up an arrangement and to find out how to get a loan for future education. |
 | Programs are available for help with utility costs. |
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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 (back to the top) Consumer Issues: 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 (back to the top) Legal Assistance: NJ Protection and Advocacy: Oversees and protects the rights of disabled persons. www.njpanda.org (back to the top) Elderly: AARP: www.aarp.org Food Stamps: www.fns.usda.gov/fsp Social Security: www.ssa.gov United Way www.unitedway.org (back to the top) 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 (back to the top) 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 (back to the top) 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 (back to the top) 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 (back to the top) Utility Help Programs: LIHEAP: Low Income Home Energy Assistance Program (Federal). www.acf.hhs.gov/programs/ocs/liheap NJ Natural Gas: www.njliving.com (back to the top) | |