Free Debt Help - Pt.2
In my last entry, I promised I'd share with you some other resources for finding debt help besides just friends and family
Library
If you don't frequent your local library then this is a habit you definitely need to develop. Not only is it a rich resource of information, but all of that info is free! But don't stop short at just browsing through the literature: ask the librarian for help. They will often offer suggestions you never considered before.
If you live in a country or area that doesn't have a library system nearby, then the Internet will be your library. Use your favorite search engine and have at it. Read, read, read. A couple hours of Internet browsing can answer a lot of questions.
Employee Assistance Program (EAP)
Many workplaces today have an EAP program as part of their "Work Life Balance" initiative. This program provides many free resource to employees, including help with debt problems. If your company provides something like this, start asking about it. After all, they are paying for it!
Non-profit organizations
There are a lot of organizations that are funded by government, corporations, or other institutions who's sole purpose is to be a resource to you. Take advantage of them. If you live in the USA and are a minority or single parent, there is almost certainly help nearby.
If you aren't sure what's out there, or where to find them try doing a search on the Internet using the following; "nonprofit debt help [name of city] [name of state]"
For example, you might enter, "nonprofit debt help Seattle Washington" or maybe "nonprofit debt help Southern New England".
You might be quite surprise at what pops up.
Chamber of Commerce (USA)
If you come up empty with your Internet searches but you live in the United States, try the local Chamber of Commerce. Ask them for a list of nonprofit groups in your area, or more specifically, ones that provide help with debt problems.
More often than not, the Chamber has got a list somewhere of these organizations which will make them must easier to find.
If you live outside the U.S., chances are that there is an organization, government or not, that maintains a list of nonprofit organizations. It just might take a little more effort to find.
Local Churches
Lastly, you really shouldn't rule out your local church. Most institutions, regardless of their beliefs, have some kind of program in place to help give people the knowledge and skills they need to manage debt.
From classes to seminars, a lot of these things are provided for free and in most instances, you don't need to be a "member." Usually, the bigger the church, the bigger the program. Hey, it's a free resource and the people there are usually pretty genuine about doing what they can to help out so it's worth a try.
Conclusion
After you've exhausted all of these resources, you should have a real good idea of what to do next. There really is a lot of help out there just waiting for you to ask about it. All it takes is a little effort on your part to find it sometimes, that that's effort well spent.
Library
If you don't frequent your local library then this is a habit you definitely need to develop. Not only is it a rich resource of information, but all of that info is free! But don't stop short at just browsing through the literature: ask the librarian for help. They will often offer suggestions you never considered before.
If you live in a country or area that doesn't have a library system nearby, then the Internet will be your library. Use your favorite search engine and have at it. Read, read, read. A couple hours of Internet browsing can answer a lot of questions.
Employee Assistance Program (EAP)
Many workplaces today have an EAP program as part of their "Work Life Balance" initiative. This program provides many free resource to employees, including help with debt problems. If your company provides something like this, start asking about it. After all, they are paying for it!
Non-profit organizations
There are a lot of organizations that are funded by government, corporations, or other institutions who's sole purpose is to be a resource to you. Take advantage of them. If you live in the USA and are a minority or single parent, there is almost certainly help nearby.
If you aren't sure what's out there, or where to find them try doing a search on the Internet using the following; "nonprofit debt help [name of city] [name of state]"
For example, you might enter, "nonprofit debt help Seattle Washington" or maybe "nonprofit debt help Southern New England".
You might be quite surprise at what pops up.
Chamber of Commerce (USA)
If you come up empty with your Internet searches but you live in the United States, try the local Chamber of Commerce. Ask them for a list of nonprofit groups in your area, or more specifically, ones that provide help with debt problems.
More often than not, the Chamber has got a list somewhere of these organizations which will make them must easier to find.
If you live outside the U.S., chances are that there is an organization, government or not, that maintains a list of nonprofit organizations. It just might take a little more effort to find.
Local Churches
Lastly, you really shouldn't rule out your local church. Most institutions, regardless of their beliefs, have some kind of program in place to help give people the knowledge and skills they need to manage debt.
From classes to seminars, a lot of these things are provided for free and in most instances, you don't need to be a "member." Usually, the bigger the church, the bigger the program. Hey, it's a free resource and the people there are usually pretty genuine about doing what they can to help out so it's worth a try.
Conclusion
After you've exhausted all of these resources, you should have a real good idea of what to do next. There really is a lot of help out there just waiting for you to ask about it. All it takes is a little effort on your part to find it sometimes, that that's effort well spent.
Labels: Credit-Card-Debt, Help, Solutions
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