Avoid Identity Theft: This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft. Bankruptcy Information Clinic: A part of the Volunteer Lawyers Program. Consultations are available to low income people about bankruptcy and/or consumer law. ChexSystems: The Chex Systems, Inc network is comprised of member Financial Institutions that regularly contribute information on mishandled checking and savings accounts to a central location. ChexSystemsSM shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystemsSM only shares information with the member institutions and does not decide on new account openings. Consumers can get a copy of their ChexSystems report for free if they have been turned down for an account, or anytime at a cost of $9. Fair Debt Collection: The Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Free Annual Credit Report: AnnualCreditReport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer “free” credit reports, but may charge you for another product if you accept a “free” report. Free File: Free File is the fast, easy, and free way to file your federal income taxes. H.I.P. Pocket Change: A fun financial literacy site for kids and adults with games and more. MyMoney.Gov: Helpful tools on budgeting, taxes, home ownership, fraud, and more from the U.S. Financial Literacy and Education Commission. Student Credit Cards 101: This website teaches simple budgeting and spending principles and provides clear advice on how to avoid common credit mistakes. We hope students and parents will use this information to start a conversation about spending, budgeting, and credit. Washington Law Help: Washington Law Help assists low income people to find solutions to civil legal problems. Topics include consumer & debt law, family law, housing law, and more. Washington Bankruptcy Law: Washington Bankruptcy Law will help explain the federal bankruptcy process and the common surrounding issues as they pertain to Washington residents. National Do Not Call Registry: The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint. You can register your home or mobile phone for free. Recalls.gov: To provide better service in alerting the American people to unsafe, hazardous, or defective products, six federal agencies with vastly different jurisdictions have joined together to create www.recalls.gov — a “one stop shop” for U.S. Government recalls. Federal Poverty Guidelines Median Family Income Guidelines