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Press Alt+1 for screen-reader mode, Alt+0 to cancelAccessibility Screen-Reader Guide, Feedback, and Issue Reporting MichiganDebtRelief.org - a free resource for Michigan residents * Request Free Evaluation * State and Federal Assistance Resources * Free DIY Resources * Your Rights with Debt Collectors (FTC) * Coping with Debt (FTC) * Foreclosure Assistance (HUD) * Other Government Programs * Financial Well-being Check * U.S. Dept. of Education Student Loan Plan Talk to a real person: 1-877-788-0674 Review Options HELP FOR MICHIGAN RESIDENTS See your options Request Free Evaluation You're not alone State and Federal Assistance Resources Empower yourself Free DIY Resources Click for sound 0:44 BBB A+ Rated McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams Proud to support financial literacy education: Operation Hope Council for Economic Education United Way WE'RE HERE TO HELP. Michigan residents are struggling to keep up with payments as interest rates and costs of living rise. The growing bills have become so overwhelming, many feel stuck and don’t know what to do next. This led more than 6,500 residents to reach out for help last month. Most are trying their best to get out, but high interest payments are making it nearly impossible to catch up. Many are concerned bankruptcy will soon be their only option. By answering a few simple questions, residents can receive a free evaluation and find out if they can consolidate multiple payments into one. Last month, more than 6,500 Michigan residents reached out. Each with their own story. My family has been struggling to keep our heads above water for months, and we are getting to the point we can’t do it anymore. Maria To be honest I’m scared that I’ll never get out of the debt I am in and declaring bankruptcy will be my only option. Logan We are absolutely drowning and I don’t know what to do anymore. We simply can’t get ahead. Lisa I wasn't sleeping, I was in a real bad place. I didn't know which way to turn. Joseph I just got tired of making all these monthly payments, and I really wasn't going anywhere. I just felt like maybe I was wasting my money. Phil It was a struggle to keep up. I just couldn't continue the way it was. Patricia AN OVERVIEW OF RELIEF RESOURCES Click for sound 0:44 Video Summary This video explains how bills can often become overwhelming due to unexpected life events such as a business downturn, reduction in income, or medical hardship. It’s important for consumers to be aware of all options available to help with unmanageable bills -- as well as state and federal hardship assistance available for individuals and families. Click for sound 0:30 Video Summary This video provides information on federal regulations and protections in place to help consumers understand their rights and responsibilities. Click for sound 1:20 Video Summary This video provides details on the Truth-In-Lending Act which protects consumers from unfair and predatory lending and credit card practices. Click for sound 1:34 Video Summary This video explains how the FDCPA protects consumers against unfair and abusive collection practices. Click for sound 1:12 Video Summary This video provides an overview of the Consumer Financial Protection Bureau, including its mission and purpose as an agency dedicated to making sure individuals and families are treated fairly by banks, lenders, and other financial institutions. Click for sound 2:21 Video Summary This video summarizes options available to consumers who are experiencing financial hardship. It’s important for consumers to understand consolidation loans and options, as well as bankruptcy rights, requirements, and regulations. Click for sound 1:08 Video Summary This video provides a variety of information regarding DIY self-help options available to consumers experiencing financial difficulty. It’s important to be educated on budgeting, spending and self-help options available to consumers who desire to take control of their financial future. Click for sound 1:23 Video Summary This video educates consumers facing home foreclosure of the state and federal resources available to help, as well as steps they can take to avoid foreclosure. Click for sound 1:00 Video Summary This video informs taxpayers of a resource available to help taxpayers via the “IRS Taxpayer Advocate Service”. Known as the “taxpayer’s voice at the IRS”, it was mandated and created as an independent agency to help taxpayers resolve IRS issues. Click for sound 1:07 Video Summary This video provides information on a wide range of local, state, and federal resources available to help families, veterans, and the elderly experiencing personal or financial hardship. Click for sound 0:43 Video Summary This video highlights the importance of educating young people on all areas of financial responsibility and management. Click for sound 0:40 Video Summary This video explains how important it is for people from all walks of life to share their story – as a source of hope and encouragement to empower others. Click for sound 1:44 OUR STORY We began in 2007 as a credit education organization – helping individuals and families understand all about personal credit and the wise use of credit. Then, in 2008 a financial crisis hit with cheap, easy-to-obtain credit and lax lending standards that led to a housing bubble that quickly grew out of control. The recession that followed caused many people to lose their savings, and their homes. People began to reach out to us for help, not for credit information, but to cope with overwhelming bills. In response, we first educated ourselves on all aspects of coping with debts including consolidation options as well as DIY self-help steps consumers can take on their own. Now, through educating individuals and families on consolidation options, free DIY resources through Project Debt Box, and providing information and access to hardship assistance and social services for those in the most difficult of situations, we now support a community committed to encourage, empower, and inspire each other. CONSUMER DEBT INFORMATION Resources to help Michigan residents in need of assistance * Request Free Evaluation * Your Rights with Debt Collectors (FTC) * Coping with Debt (FTC) * Foreclosure Assistance (HUD) * Other Government Programs * Financial Well-being Check * U.S. Dept. of Education Student Loan Plan CLOSE Get Your Options by Phone Toll free 1-877-788-0674 Tap Here to Call Friendly, caring, specialists available now. * About * Contact * Privacy Policy * Terms of Use © 2023 MichiganDebtRelief.org This site is a free educational and motivational resource to help Michigan residents understand consolidation options. The free do-it-yourself (DIY) educational resources, articles, and videos on this site, as well as links provided to state and federal hardship assistance are for informational purposes only and not to be construed as legal advice.