NYC Financial Empowerment Centers
Book An Appointment with a Counselor Online
You can get free financial counseling by phone. Visit nyc.gov/TalkMoney to book an appointment. Work with your counselor to open a bank account so you can set up direct deposit; navigate the IRS Get My Payment tool; manage sudden changes to your household budget or income; contact creditors, and more.
Clients will be required to create a Financial Empowerment Portal account.
Under New York City and federal law, consumers may request at any time that a debt collector stop communicating with them permanently about a debt or alleged debt. In addition, if you are facing financial hardship due to the coronavirus (COVID-19) crisis, you can request that debt collection agencies stop contacting you temporarily about the debt.
See the instructions on how to draft a letter addressed to the collection agency
Updated on September 2, 2020
Home Repair and Preservation Financing
Lead Hazard Reduction and Healthy Homes Program
If you are a homeowner in one of the five boroughs and need heating upgrades, plumbing or electrical repairs, lead paint removal, roof and window repairs, or other repairs you could receive a homeowner repair loan through the Department of Housing Preservation and Development. The program provides access to affordable low- or no-interest and potentially forgivable loans for home repairs to eligible owners of one- to four-family homes in New York City
For more information about this program by clicking on HomeFix. To find out if you qualify please visit Determine Eligibility.