Always reachable
Free, confidential help — no sign-in.
If you’re in crisis, dealing with abuse, or stuck on a money, legal, or fraud question, the lines below are free and answer 24/7 (unless noted). Holdfast is not a substitute for any of them — and we surface the right one from inside the app the moment it comes up.
If this is urgent, start here.
Two numbers, free, 24/7. Both answer in English and Spanish.
Call or text. Free, 24/7.
Text HOME (HOLA for Spanish).
Crisis support
Free, confidential, answered by trained counselors. English and Spanish on the same numbers; interpretation available in 240+ languages.
988 Suicide & Crisis Lifeline
Free, 24/7. English and Spanish on the same number; interpretation in 240+ languages. Confidential.
Crisis Text Line
Free, 24/7. Text-only — useful when you can't talk on the phone.
Financial abuse & safety at home
If a partner, family member, or someone else controls or threatens you around money, these lines are confidential. If your phone may be monitored, use the chat link from a separate browser, library computer, or trusted friend's device.
National Domestic Violence Hotline
Free, 24/7. English, Spanish, and 200+ languages via interpreters. They can route you to local resources, shelter, safety planning.
NNEDV Economic Justice
The National Network to End Domestic Violence runs an economic justice program with safety-planning tools specifically for financial abuse — separating accounts, protecting credit, rebuilding.
Mental health & addiction
Free, confidential treatment referrals and information. Calls are answered 24/7 in English and Spanish.
SAMHSA National Helpline
Free, 24/7. English and Spanish. Treatment referrals for mental health and substance use — they don't prescribe, they just connect.
SAMHSA Treatment Locator (text)
Sends you local treatment options. English only on the text channel; the phone line covers both languages.
Debt & credit decisions
Nonprofit credit counseling. The initial counseling session is free. Debt-management plans have monthly fees, but you can ask about them first without commitment.
National Foundation for Credit Counseling
Nonprofit, all 50 states. Free initial counseling. Member agencies offer debt-management plans (monthly fees, but transparent).
Consumer Financial Protection Bureau
Federal agency. File a complaint about a financial product, look up rules around debt collection, mortgages, student loans. Plain-English explainers.
Legal aid
Free civil legal aid for low-to-moderate income. For criminal proceedings, court-appointed counsel is automatic under the Sixth Amendment — the criminal-side pointers below help you find the right office.
LawHelp.org
Free civil legal aid finder. Covers eviction, garnishment, foreclosure, family law, custody, immigration. Searchable by state and issue.
Legal Services Corporation (LSC)
Funds 130 nonprofit legal aid programs nationwide. Useful when LawHelp.org doesn't list a local match.
Criminal: state public defender
For criminal proceedings, your state's public defender office handles court-appointed counsel automatically if you can't afford an attorney.
NACDL
The National Association of Criminal Defense Lawyers maintains a directory of private defense attorneys.
Fraud & identity theft
Federal portals plus your state Attorney General. Filing a report unlocks remediation paths — credit freezes, account recovery, and prefilled letters to creditors.
ReportFraud.ftc.gov
Federal Trade Commission fraud, scam, and unfair-practices reporting portal. Reports help build cases against scammers and unlock state-level remediation.
IdentityTheft.gov
FTC identity-theft-specific recovery flow. Walks you through credit freezes, account locks, and generates prefilled letters for creditors and agencies.
Your state Attorney General
State AGs handle consumer protection within their state. Find yours via the National Association of Attorneys General directory.
Free credit freezes
Freeze your credit at all three bureaus for free. Stops new accounts from being opened in your name. Reversible any time online.
Holdfast is not a substitute for any of these services.
Holdfast is not a financial advisor. We help you organize your money and make your own decisions.
Holdfast does not provide legal advice. For legal questions, contact a licensed attorney or free legal aid (LawHelp.org / lsc.gov).
This page is always reachable from inside the app — Settings → Resources — and is also available without signing in at holdfastbudget.com/resources.