Personal Finance: Financial Hardship
- Benefits.gov Easy access to information about federal and state benefit and assistance programs.
- Coping with Debt Guidance from the Federal Trade Commission on debt relief options.
- Dealing with Job Loss A FINRA resource for managing the financial burden of unexpected job dislocation.
- Job Seekers/Unemployed Portal A U.S. Department of Labor list of resources and services for job seekers or those who have been affected by unemployment.
- Making Home Affordable® Program A federal government resource to assist struggling homeowners with avoiding foreclosure.
- Rental Assistance Information U.S. Department of Housing and Urban Development information geared to help renters.
- Supplemental Nutrition Assistance Program Eligibility and application information for those seeking food stamps or other public assistance.
- Avoiding Foreclosure Authoritative information from the U.S. Department of Housing and Urban Development for homeowners facing foreclosure.
- Divorce and Social Security Information on Social Security retirement benefits for those who are divorced.
- Example of Mortgage Hardship Letter An example of a hardship letter for those struggling to keep current on their mortgage. Credit.org is a nonprofit housing counseling agency approve by the U.S. Department of Housing and Urban Development.
- Financial Hardship Withdrawals—Thrift Savings Plan Eligibility requirements to be considered for financial hardship withdrawals under the Thrift Savings Plan, a retirement savings and investment plan for federal employees.
- Know Your Options A tool from Fannie Mae to help consumers understand their options prior to foreclosure.
- Lender Hardship Program Information on getting into a lender hardship program from Money Management International, a nonprofit credit counseling agency.
- National Association of Consumer Bankruptcy Attorneys This site includes an Attorney Finder service that assists consumers with finding a bankruptcy attorney. (Only attorneys who are members of the association are listed.)
- U.S. Federal Bankruptcy Courts Explains the different types of bankruptcies; includes information about how to find legal help.
- U.S. Federal Bankruptcy Laws An overview of bankruptcy, steps in the bankruptcy process, and information about federal bankruptcy laws.
American Library Association. Financial Literacy in Public Libraries: A Guide for Building Collections.
My thanks go to ALA for inventing this wheel for me.
Thrall Library's Links for Investors.
CFPB's list of financial educational resources
ALA Recommended Books
- Solve Your Money Troubles by Overwhelmed by debt? Start here. Facing wage garnishment, car repossession, foreclosure, lawsuits, or collection calls? Solve Your Money Troubles provides you with the legal and practical information you need, plus sample letters and budgeting worksheets, so that you can get out of debt and make a fresh start. Learn how to: prioritize debts and create a budget understand your options negotiate with creditors stop harassment by debt collectors deal with wage garnishment, car repossession, and foreclosure reduce student loan payments know what to expect if a creditor sues you rebuild credit decide if bankruptcy is right for you The new edition of Solve Your Money Troubles is updated with changes to federal student loan repayment programs, new foreclosure protections, legal information specific to your state, and the latest legal developments in the world of debt, credit, and bankruptcy.Call Number: 346.73 LEOISBN: 9781413321708Publication Date: 2015
- Broke Millennial by 27-year-old personal finance expert Erin Lowry is the cash-savvy friend every 20- and 30-something needs. Instead of complicated 401k strategies and jargon-filled debt advice, her hilarious, easy-to-understand guide is the perfect way for financial management newbies to get their money in order or elevate their personal finance know-how. Broke Millennial includes essential lessons in tricky money matters to take you from in debt and overwhelmed to informed and financially empowered, such as- Managing student loan and credit card debt Budgeting and reaching financial benchmarks Negotiating an entry-level salary Splitting the bill with cash-strapped friends Navigating financial issues in serious relationships, and more Filled with practical suggestions and speaking specifically to issues that Millennials face as they age into adulthood, Broke Millennialis a fresh roadmap to financial literacy for a new generation.Call Number: RCLSISBN: 9780143130406Publication Date: 2017