Surviving Debt Links
Surviving Debt Links
Surviving Debt Links
Bulk discounts on Surviving Debt are available at the NCLC book store.
Surviving Debt: Expert Advice for Getting Out of Financial Trouble
A leading resource for over 25 years, this fully updated, 2021 edition of Surviving Debt provides precise, practical, and hard-hitting advice from the nation’s consumer law experts on how to deal with crushing debt affecting millions of Americans.
Surviving Debt tells you what consumers need to know about:
- • Stopping Debt Harassment
- • Dealing with Credit Card, Medical, and Student Loan Debts
- • Essential Information about Credit Reports
- • Vehicle Repossessions and Utility Terminations
- • Dealing Effectively with Your Mortgage Servicer, Mortgage Loan Modifications, and Saving Your Home from Foreclosure
- • Property Taxes and Tax Sales
- • Evictions and Getting Out of a Lease
- • Defending Collection Lawsuits & Dealing with Wage Garnishments and Bank Account Seizures
- • Tax Debts and Debts Related to Criminal Law
- • When and Whether to File for Bankruptcy, and much more
New to the 2021 edition, consumer rights arising from the COVID-19 pandemic relating to home mortgages, landlord-tenant law, utilities, and student loans.
Plus, revised chapters on reverse mortgages, public benefits, and criminal justice debt, and all-new advice on purchasing a vehicle after losing your old one.
Bulk discounts and custom branding available. Learn more and purchase on the NCLC Bookstore.
Surviving Debt Links & More
Surviving Debt Letters and Charts
Letters to Debt Collectors |
Keeping Track—Charts |
|---|---|
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Sample Monthly Debt Chart (PDF) Blank Monthly Debt Chart (MS Word and PDF) Sample Monthly Expenses Chart (PDF) Blank Monthly Expenses Chart (MS Word and PDF) |
Note: Depending on your browser, MS Word documents may automatically download to your "Downloads" folder.
Source |
Link |
|---|---|
|
AARP Foundation Tax-Aide Locator American Association of Retired Persons |
https://secure.aarp.org/applications/VMISLocator/searchTaxAideLocations.action |
|
Affordable Care Act Enrollment U.S. Centers for Medicare & Medicaid |
https://www.healthcare.gov |
|
Benefits Planner Social Security Administration |
https://www.ssa.gov/planners/credits.html |
| Center for Medicare Advocacy | https://www.medicareadvocacy.org |
|
Child Nutrition Programs U.S. Department of Agriculture |
https://www.fns.usda.gov/cn |
|
Children's Health Insurance Program (CHIP) Centers for Medicare & Medicaid Services |
https://www.insurekidsnow.gov |
| Counseling Agencies—U.S. Department of Housing and Urban Development | https://entp.hud.gov/idapp/html/hecm_agency_look.cfm |
| Department of Housing and Urban Development | https://www.hud.gov |
|
DirectExpress prepaid card |
https://www.usdirectexpress.com |
| Equifax | https://www.equifax.com/personal/ |
|
Experian |
https://www.experian.com |
|
Fannie Mae Loan Lookup Federal National Mortgage Association |
https://www.knowyouroptions.com/loanlookup |
|
Federal benefits offset program U.S. Department of the Treasury |
https://fiscal.treasury.gov/top/ |
|
Federal Emergency Management Agency Department of Homeland Security |
|
|
Federal Student Aid U.S. Department of Education |
https://studentaid.ed.gov |
|
Feeding America Hunger Relief Organization |
https://www.feedingamerica.org |
|
Find an Attorney National Association of Consumer Advocates |
https://www.consumeradvocates.org/find-an-attorney |
|
Find Legal Aid Legal Services Corporation |
http://lsc.gov/find-legal-aid |
|
Find Legal Aid Programs |
https://www.lawhelp.org/find-help |
|
Food and Nutrition Service U.S. Department of Agriculture |
https://www.fns.usda.gov |
|
Food Research and Action Center
|
https://www.frac.org |
|
Free Annual Credit Reports authorized by Federal law |
www.annualcreditreport.com |
|
FSA Feedback System U.S. Department of Education |
https://studentaid.gov/feedback-center/ |
|
Housing Counseling—Department of Housing and Urban Development |
https://www.hud.gov/program_offices/housing/sfh/hcc |
|
How to Apply for WIC National WIC Association |
https://www.nwica.org/apply-for-wic |
|
HUD Lender List Search Department of Housing and Urban Development |
https://www.hud.gov/program_offices/housing/sfh/lender/lenderlist |
|
IBRinfo student loan income-driven repayment plans |
http://www.ibrinfo.org |
|
Internal Revenue Service |
https://www.irs.gov |
|
Justice in Aging |
https://www.justiceinaging.org |
|
LawHelp: referrals to local legal aid and public interest law offices, basic information about legal rights, court forms, self-help information, court information, links to social service agencies, and more in your state |
https://www.lawhelp.org |
|
Lifeline |
https://data.usac.org/publicreports/CompaniesNearMe/Download/Report |
|
LIHEAP Map State and Territory Contact Listing U.S. Department of Health & Human Services |
https://www.acf.hhs.gov/ocs/liheap-state-and-territory-contact-listing |
|
Loan Look-Up Tool FreddieMac Federal Home Loan Mortgage Corporation |
https://ww3.freddiemac.com/loanlookup |
|
Low-Income Taxpayer Clinic Map Internal Revenue Service |
https://www.irs.gov/advocate/low-income-taxpayer-clinics/low-income-taxpayer-clinic-map |
|
Medicare U.S. Centers for Medicare & Medicaid Services |
https://www.medicare.gov |
|
National Association of Consumer Bankruptcy Attorneys |
https://www.nacba.org |
|
National Domestic Violence Hotline |
https://www.thehotline.org |
|
National Employment Law Project |
https://www.nelp.org |
|
National School Lunch Program Food Research and Action Center |
https://frac.org/programs/national-school-lunch-program |
|
National Student Loan Data System U.S. Department of Education |
https://nslds.ed.gov/nslds/nslds_SA/ |
|
National Veterans Legal Services Program |
https://www.nvlsp.org |
|
Nationwide Multistate Licensing System licensing/registration information on mortgage, consumer finance, debt, and money services companies, branches, and individuals |
https://www.nmlsconsumeraccess.org |
| National Consumer Law Center (NCLC) publications |
Consumer Bankruptcy Law and Practice |
|
Red Cross Disaster Relief |
http://www.redcross.org/about-us/our-work/disaster-relief |
|
Rural Housing Service Handbook HB-1-3555 |
https://www.rd.usda.gov/files/hb-1-3555.pdf |
|
Save Your Home: Tips to Avoid Foreclosure Federal Housing Administration |
https://www.hud.gov/sites/documents/2008-5FHA.PDF |
|
Sign up for WIC Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) |
http://signupwic.com/ |
|
Single Family Housing Policy Handbook 4000.1 U.S. Department of Housing and Urban Development |
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_4000-1 |
|
SNAP Outreach Supplemental Nutrition Assistance Program Food and Nutrition Service U.S. Department of Agriculture |
https://www.fns.usda.gov/snap/outreach |
|
Social Security Administration |
https://www.ssa.gov |
|
Student Loan Borrower Assistance |
https://www.studentloanborrowerassistance.org |
|
Submit a Complaint Consumer Financial Protecton Bureau |
https://www.consumerfinance.gov/complaint/ |
|
Total and Permanent Disability (TPD) Discharge Department of Education |
https://www.disabilitydischarge.com |
|
TransUnion |
https://www.transunion.com |
|
U.S. Department of Veterans Affairs (VA) |
https://www.va.gov |
|
U.S. Trustee Program (Bankruptcy) U.S. Department of Justice |
https://www.justice.gov/ust |
|
VA Home Loans U.S. Department of Veterans Affairs |
https://www.benefits.va.gov/HOMELOANS/contact_rlc_info.asp |
|
VA Servicer Handbook M26-4 U.S. Department of Veterans Affairs |
https://www.benefits.va.gov/WARMS/M26_4.asp |
|
Veterans Pension Benefits U.S. Department of Veterans Affairs |
https://www.va.gov/pension/application/527EZ/introduction |