CFPB: Your Money, Your Goals
Free worksheets from the Consumer Financial Protection Bureau for sorting out income, bills, spending and debt, one page at a time. Print what you need; no account.
Money & legal
Money gets loud in recovery. Bills that waited, a budget that never existed, paperwork you avoided for a year. None of it is a moral failing and all of it is fixable, one tool at a time. These are the ones members use — a budget that tells you what’s true, free tax filing, the one credit report that’s actually free, and plain help with the legal loose ends. Start with the guide if you want the why; start here if you want the thing.
IRS VITA & TCE
Free tax preparation by IRS-certified volunteers for people under an income limit the IRS sets, people with disabilities, limited-English speakers and, through TCE, people over 60. Find a site by ZIP code.
Legal Services Corporation
The locator for free civil legal aid — housing, family, benefits, debt, records — from independent organizations funded by LSC, for people who qualify by income.
AnnualCreditReport.com
The one site the federal government authorizes for free credit reports from all three bureaus, now free weekly. It’s a report, not a score, and no card is needed.
Guides on this
- What should I do when I cannot pay every bill?
- How do credit counseling, debt management, consolidation and settlement differ?
- How can I make a cash-flow plan when my income changes?
- What should I organize first when a debt collector contacts me?
- How can I build some financial breathing room?
- What should I check before agreeing to a debt-management plan?
- How can I compare a consolidation offer beyond its monthly payment?
- Where can I look for help when budgeting is not enough?
- Why do medical bills, student loans and tax debts need different approaches?
- How can I read a credit report and question an error?
- How can I prepare for a bankruptcy consultation?
- How can I set clear money boundaries with family or supporters?
- How can I find the right legal help for my situation?
- How can I understand court fines, fees and restitution I owe?
- How can I plan for the costs of a DUI beyond the fine?
- How can I deal with bills and arrears that built up while I was using?
- How can I keep court, probation and treatment obligations clear?
- After a DUI, which questions belong with the court and which with the DMV?
- How can I check what is required to get my driving license back?
- What do expungement and record sealing change, and how can I find out if I qualify?
- How can I prepare for a custody case when recovery is part of it?
- What should I do if I missed a court date, deadline or payment?
- How can I put my money paperwork in one usable place?