Managing Debt

City of Philadelphia: Counselors explain the terms of a mortgage loan and could help avoid home foreclosure.
215-334-4663

Consumer Credit Counseling Service of Delaware Valley: Free credit, budget, debt and housing counseling.
1-800-989-2227, www.cccsdv.org

Annual Credit Report Request Service: Central source to order a free copy of your credit report and have it sent to your home address by U.S. mail.
877-322-8228, www.annualcreditreport.com

Campaign for Working Families Tax Help Hotline: Promotes free filing of the federal Earned Income Tax Credit (EITC), PA TAX BACK, and connects Philadelphia residents to other tax credits, public benefits, and ways to keep and grow their household incomes.
215-686-2599

Monetary Resources

Modest Needs: Non-profit agency that provides grants to help prevent families from moving from self-sufficiency to poverty.
www.modestneeds.org