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Do you have debt you can't afford to pay?

Are You Receiving Social Security, Pension or Disability Income?


HELPS is a nonprofit law firm and 501(c)(3) charitable organization. We serve senior citizens and disabled persons struggling with debt.

Call HELPS now to learn how your retirement income is protected by law and how we can help.

Thank you for your information.

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

Worries About Debt

How to Manage Stress About Old Bills

HELPS nonprofit law firm represents seniors and disabled persons in order to stop unwanted collector communication.  Many people call HELPS, learn their income is protected, enroll in HELPS, and regain their peace of mind. However, sometimes HELPS clients continue to worry. It is actually quite common.  Since the purpose of HELPS is to help seniors not worry about their creditors, we have some suggestions if you start to worry again.

  • Always remember your income from Social Security, retirement, pension, VA benefits, disability and worker’s compensation is protected by federal law and cannot be taken from you.
  • When you are enrolled with HELPS, you learned you could ALWAYS call if you are scared, nervous or have questions. We would rather you call us than worry alone about these matters. You can call or email us every day if you want. We are always happy to hear from our clients.
  • Remember, you are not alone if you are still stressing about your creditors. However, it is our experience that over time our clients finally come to peace and realize there is nothing to worry about.
  • If you are tempted to worry or even obsess about old debt, try this:
    • Remember the first time you spoke with us and learned about HELPS and your rights.
    • Remember how you realized that you were protected. And if there was ever a problem, you understood it could be handled.
    • Remember the relief and peace you felt then.
    • When you are tempted to analyze the problem over again, perhaps you could instead think this: “I went over this already in detail with HELPS. I investigated everything and was at peace that everything was going to be fine. Because I have already done that and knew then that everything would be fine, I don’t need to rehash this again.”
  • Finally, go to our website: Look at the video on the opening page in which HELPS clients talk about the program and share how their problems were solved.

Also, there are more videos with actual HELPS clients explaining the program and the relief it brought to them.

And you can also look at our YouTube channel:

If you have a suggestion that has helped you, please share it with us. I am anxious to know so I can share with others. Please let me know at  Finally, remember we want HELPS clients to always know they can always call us with questions or concerns.

Learn More About Other Issues and What HELPS Can Do For You.

Peace of Mind
These HELPS clients were dealing with harassing debt collectors and anxiety over old Debt. HELPS provided a solution to their financial worries.