Tenfold Financing
Address: 308 E King St, Lancaster, PA 17602
Phone: (717) 358-9372
Website: wearetenfold.org
Free one-on-one financial counseling with certified financial counselors, goal-setting, savings incentive matching programs, and public workshops.

Community Hive
227 North State Street, Ephrata, PA 17522
Phone: (717)733-0345
Website: www.community-hive.org
One-on-one budget counseling, debt repayment assistance, financial education, and budget coaching for families in transitional housing.

REAL Life Community Services
Address: 240 Main Street, Suite B, Denver, PA 17517
Phone: (717) 336-7797
Website: www.reallcs.org
One-on-one financial coaching, social worker connections, and a free online financial literacy course provided in partnership with Fulton Bank.

Pennsylvania Housing Finance Agency (PHFA)
Address: 211 North Front Street, Harrisburg, PA 17101
Phone: 1-855-827-3466
Website: phfa.org
Free group financial education workshops and private one-on-one private coaching sessions covering budgeting, credit building, and homeownership preparation.

Annual Credit Report
Phone: 1-877-322-8228
Website: annualcreditreport.com
The only official, federally mandated site to download free weekly credit reports. Checking one’s report here does not affect one’s credit score.

Consumer Credit Card Diversion Program
Address: Lancaster County Courthouse, 50 North Duke Street, Lancaster, PA 17608
Phone: 717-209-3290
Website: https://www.court.co.lancaster.pa.us/265/Consumer-Credit-Card-Diversion-Program
A court program for residents sued by credit card companies in the Lancaster County Court of Common Pleas. Eligible cases are enrolled automatically. The lawsuit is paused for 120 days to allow for free credit counseling and a settlement/conciliation conference with the lender’s attorney. Cases originating at a Magisterial District Court are not eligible until a decision is appealed to the Court of Common Pleas through the Prothonotary’s office within 30 days.

Upsolve Chapter 7 Program
Website: upsolve.org
A national nonprofit platform that provides a free web tool to help low-income individuals prepare standard Chapter 7 bankruptcy court forms without an attorney. Ideal for residents who do not qualify for a pro bono attorney.

Low Income Taxpayer Clinic (LITC) – MidPenn Legal Services
Address: 38 N. Christian Street, Lancaster, PA 17602
Phone: 1-844-MPLS-TAX
Website: https://www.midpenn.org/what-we-do/low-income-taxpayer-clinic.html
Free or low cost legal representation for low income residents in tax disputes with the IRS or PA Department of Revenue. Handles audits, appeals, debt collection disputes, liens, worker misclassification, and identity theft.

Volunteer Income Tax Assistance (VITA) – United Way of Lancaster County
Address: 2121 Oregon Pike, Lancaster, PA 17601
Phone: (717) 824-8128
Website: https://www.uwlanc.org/vita
Free in-person federal, state, and local tax return preparation by IRS-certified volunteers. Helps maximize credits such as the Earned Income Tax Credit (EITC) and Child Tax Credit. Low to moderate income households, individuals with disabilities, and limited-English speakers are eligible.

IRS Taxpayer Advocate Service (TAS)
Phone: 877-777-4778
Website: https://www.irs.gov/advocate/
An independent organization within the IRS that helps resolve complex tax problems, financial hardships, delayed refunds, or systemic issues that cannot be solved through normal IRS channels.