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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GET STARTED NOWFor additional information on the pre-bankruptcy credit counseling process, please review these U.S. Department of Justice documents:
Before You File for Personal Bankruptcy (PDF)
Bankruptcy Information Sheet (PDF)
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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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and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.