Filter Results CategoriesCart

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

Dispute Letter (PDF)

Dispute Letter (MS Word)

Exempt Income Letter (PDF)

Exempt Income Letter (MS Word)

Stop Contact Letter (PDF)

Stop Contact Letter (MS Word)

Verification Letter (PDF)

Verification Letter (MS Word)

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)

Sample Monthly Income Chart (PDF)

Blank Monthly Income Chart (MS Word and PDF)

Note: Depending on your browser, MS Word documents may automatically download to your "Downloads" folder.

Surviving Debt Links

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

https://www.fema.gov

 

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

Access to Utility Service

Collection Actions

Consumer Bankruptcy Law and Practice

Federal Deception Law

Home Foreclosures

Mortgage Servicing and Loan Modifications

Repossessions

Student Loan Law

NCLC bookstore

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