Financial abuse is a common and devastating form of domestic violence. Abusers use financial control—from opening fraudulent credit cards in a survivor's name to ruining their credit score—to create dependence and prevent escape. For survivors in New York City, the journey to independence often begins with rebuilding their financial foundation. Fortunately, NYC is home to a number of dedicated non-profits that offer free, expert help. This guide explores resources from Ariva, Neighborhood Trust, and GreenPath, which are ready to help you reclaim your financial future.

Financial abuse is a form of coercive control that can leave a survivor with a damaged credit history, insurmountable debt, and a feeling of hopelessness. The consequences can be long-lasting, affecting a person's ability to:

• Rent an apartment or a new home

• Secure a car loan or a personal loan

• Get a job, as many employers run credit checks

• Open a bank account

Recognizing this, these NYC organizations have developed programs specifically to help survivors navigate these challenges.

These resources provide a safe and confidential space for survivors to begin their journey toward financial wellness.

• Ariva: Ariva is a Bronx-based non-profit that offers free, one-on-one financial counseling. Their certified financial counselors work with survivors to understand their credit reports, create a new budget, and develop a personalized plan for paying off debt and building credit. They have a deep understanding of the unique challenges faced by survivors and provide a non-judgmental, supportive environment.

• Neighborhood Trust Financial Partners: Located in Upper Manhattan, Neighborhood Trust offers a suite of financial services designed to help individuals build their credit and manage their debt. They provide personalized financial coaching, helping survivors navigate the complex process of disputing fraudulent charges and creating a sustainable budget.

• GreenPath Financial Wellness: GreenPath is a national non-profit with a strong presence in New York City. They offer free credit counseling, debt management plans, and financial education workshops. GreenPath counselors work with survivors to understand their credit report, create a new budget, and, if necessary, work with creditors to negotiate a debt repayment plan.

While these organizations are ready to help, here are a few steps you can take today:

1. Obtain Your Credit Reports: Get a free copy of your credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com.
2. Dispute Inaccurate Information: Review your reports carefully for any accounts opened by the abuser or fraudulent charges. The organizations listed above can help you dispute these inaccuracies.
3. Start a Simple Budget: Begin by tracking your income and expenses. Creating a budget is a powerful step toward reclaiming control of your finances.

Financial independence is a crucial part of healing and a new beginning. These New York City resources are a powerful tool on your journey to a fresh start.

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1. What is financial abuse?

Financial abuse is a form of domestic violence where an abuser controls their victim's ability to acquire, use, and maintain financial resources. This can include ruining credit, controlling bank accounts, or preventing a person from working.

2. How can a financial counselor help me?

A financial counselor can help you understand your credit report, dispute fraudulent charges, create a new budget, and develop a personalized plan for paying off debt and rebuilding your credit.

3. Do I need to pay for these services?

No. The organizations listed in this article—Ariva, Neighborhood Trust, and GreenPath—are non-profits that offer free or low-cost financial counseling and education services.

4. How long does it take to rebuild my credit?

Rebuilding credit can take time, often several months to a few years. However, with the right guidance and a consistent plan, you can make significant progress toward a better credit score.

5. What if the abuser opened accounts in my name without my knowledge?

You can dispute these fraudulent accounts with the credit bureaus. Organizations like Ariva can provide free legal and financial counseling to help you navigate this complex process.

6. Is my information confidential with these organizations?

Yes. These organizations are committed to providing a safe and confidential environment. They are a secure place to discuss your financial situation and your history of abuse without fear of judgment.

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