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do you have old debt you can't afford to pay? WE CAN HELP.

We'll contact you to discuss your situation.

Please check any that apply to you:
  I have debt I cannot afford to pay.
  I am being harassed by creditors.
  I am a senior citizen or disabled person.

Thank you for your information.

Need immediate help? Call 855-435-7787 to speak to a HELPS representative.

The Cost of HELPS

Ongoing protection from debt collector harassment.


We Never Turn Any Senior Citizen AWAY for inabiLity to pay.

HELPS is a 501(c)(3)charitable organization. We are classified as as a charity by the IRS. Around one third of our clients receive our services for free. Our suggested fees are based on our client's ability to pay. We are largely supported by our client's small monthly payments. No contracts are signed. HELPS may be terminated at any time.


Household Income Under $750 a month.

Entirely free. If a client is able and desires to make a payment, he or she may make a 5 to 10 dollar monthly payment.


Household Income $750-1250 a month.

  • The first 30 days are free.
  • Suggested $20 to $30 per month for 12 months.
  • $10 per month thereafter


Household Income in excess of $1,250.

  • The first 30 days are free.
  • Suggested $40 a month for 12 months.
  • $20 a month thereafter.

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