Self-Help Tools

Take Charge of Your Credit

Many are unaware of the negative long-term impact that poor credit can have on their financial security and quality of life. The Ad Council has teamed up with The Consumer Bankers Foundation and the Leadership Conference on Civil Rights Education Fund to develop a campaign about simple steps you can take to improve your credit. Click here.

My Money Financial Calculators

The U.S. Financial Literacy & Education Commission provides easy-to-use calculators and helpful resources to help you manage your financial future including budgeting and taxes, college planning, retirement planning, savings plans and life insurance. Click here for more.

Create and Manage Your Budget Online

PowerPay is a free service that allows you to create and manage your budget online. It also provides debt reduction tips and tools to help you pay down your debt. For more information Click here.

Foreclosure Prevention

Guide to Avoiding Foreclosure

If you are having trouble paying your mortgage, take action now and educate yourself on how the foreclosure process works and the options available to you to help you prevent foreclosure. The U.S. Department of Housing and Urban Development (HUD) provides an online guide to foreclosure prevention resources. For more info, Click here to visit the HUD website.

Beware of Foreclosure Rescue Scams

Beware of any person or organization that asks you to pay a fee in exchange for foreclosure prevention counseling services or modification of a delinquent loan. Help is Free! Do not pay – walk away! Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt. Never submit your mortgage payments to anyone other than your mortgage company without their approval. For more information, visit the NYS Attorney General website. Click here.

Legal Resources

LawHelp/NY is an online tool to help New York City residents connect with free legal services. The bilingual website offers information in English and Spanish. Information in more than 30 languages is available from LawHelp/NY.