Why Money Changes Feel Hard (and 9 Behavioral Economics Tricks That Help)
Money decisions feel hard for a reason. Learn how stress, scarcity, and behavioral economics shape money choices—and what can actually help.
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American Financial Solutions (AFS)
AFS provides pre-bankruptcy credit counseling to residents of CA, GA, IN, MD, NY, TX, VA & WA.
U.S. Department of Justice (USDOJ) - U.S. Trustee Program
The United States Trustee Program is the component of the USDOJ responsible for overseeing the administration of bankruptcy cases and private trustees. Thier website provides information about the United States Trustee Program and the federal bankruptcy system, Bankruptcy reform, a list of approved Credit Counseling agencies and Debtor Education providers.
Executive Office for U.S. Trustees
20 Massachusetts Avenue, NW Suite 8000
Washington, DC 20530
(202)514-4100 or www.usdoj.gov/ust/index.htm
USDOJ Approved Credit Counseling Agencies (by state)
www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
USDOJ Approved Debtor Education Providers (by state)
www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm
Federal Trade Commission
For a brochure on the Fair Debt Collection Practices Act
Publications Division
Washington, DC 20580
(202) 326-2222 or www.ftc.gov
Find A Lawyer
American Bar Association
For bankruptcy, employment, housing and civil issues only
321 N. Clark St.
Chicago, IL 60654-7598
(800) 285-2221 or www.abanet.org
Yellow Pages
1. Look under “Attorney” in the yellow ages of their local phone book.
2. Look under, “Attorney Referral” in the white pages of their local phone book.
Legal Questions
Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.
Money decisions feel hard for a reason. Learn how stress, scarcity, and behavioral economics shape money choices—and what can actually help.
Discover easy ways to start saving money, build financial habits, and grow an emergency fund — even with just $1. Simple steps, small wins, real progress.
Is viral debt advice hurting your credit? Learn the real differences between debt settlement, consolidation loans, and nonprofit debt management plans.
Learn how AI tools can help you budget smarter, monitor credit, and start investing with more confidence — and where human guidance is still essential for long term financial decisions.
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