HELPFUL RESOURCES
Often, 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.
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 | 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
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Consumer Issues:
Identity Theft Resource Center:
Provides victim and consumer support as well as public education on identity theft.
www.idtheftcenter.org
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
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Legal Assistance:
NJ Protection and Advocacy:
Oversees and protects the rights of disabled persons.
www.njpanda.org
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Elderly:
AARP:
www.aarp.org
Food Stamps:
www.fns.usda.gov/fsp
Social Security:
www.ssa.gov
United Way
www.unitedway.org
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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
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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
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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
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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
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Utility Help Programs:
LIHEAP:
Low Income Home Energy Assistance Program (Federal).
www.acf.hhs.gov/programs/ocs/liheap
NJ Natural Gas:
www.njliving.com
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