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Philadelphia's Financial Empowerment Centers are generously supported by Bloomberg Philanthropies and Living Cities’ Cities for Financial Empowerment (CFE) Fund.

What are Financial Empowerment Centers?

Philadelphia’s network of Financial Empowerment Centers provide FREE high-quality, one-on-one financial counseling with professionally trained counselors to help clients transition from debt management to saving for a better life for themselves and their families.

Where do I go for more information or to make an appointment?

To find a location near you, and for more information, call 311 or the Philadelphia Financial Empowerment Centers Hotline at 1-855-FIN-PHIL (346-7445).

What services are provided at the Centers?

The City’s Centers help clients take control of their debt, deal with debt collectors, improve their credit, create a budget, find safe and affordable financial products, and much more.

Financial counselors provide sessions on the following financial topics:

• Money Management and Budgeting
• Banking and Basic Financial Transactions
• Credit Reports
• Using Credit Wisely
• Consumer Protection and Debt Collection
• Student Loans
• Bankruptcy
• Negotiation
• Investments and Future Planning
• Homeownership
• Insurance and Benefits

Who is eligible to receive the FREE one-on-one financial counseling?

Anyone.

Is my personal information held confidential?

Yes.

Are the FREE one-on-one financial counseling sessions provided in different languages?

English and Spanish. We will work to accommodate other languages as well.

How many FREE one-on-one financial counseling sessions may I attend?

Unlimited. Repeat visits are encouraged.

What information do I need to provide in order to schedule an appointment?

To schedule your appointment please be prepared to tell the operator your:

  • Name
  • Phone number or email address, and 
  • Availability for a session

The financial counselor will tell you what to bring to the appointment over the phone or in an email prior to the appointment. For your first session, you may be asked to bring your paystubs (at least two months worth if possible), any record of additional income, any bills that you may have, and any letters from creditors.

What can I expect from my first financial counseling session?

A certified financial counselor may work with you to provide any of the following services:

  • Run your credit report, tell you your credit score and give you a copy
  • Make a budget and create payment plans to help you build savings
  • Talk to creditors on your behalf to lower old fees and penalties
  • Erase erroneous debts and correct credit histories
  • Negotiate with creditors for more favorable payment plans, total debts owed, and ongoing interest rates
  • Identify new sources of income such as unclaimed benefits like the childcare tax credit, the earned income tax credit, and others

What are the directions to each Financial Empowerment Center site?

Congreso de Latinos Unidos
216 W. Somerset Street
Directions from Center City
Driving:  Follow Broad St. north to Lehigh Ave. Turn right on Lehigh Ave. and follow to American St. Turn left on American St. andcontinue one block to Somerset St.
Public Transit: Via the Market Frankford Line: Take the MFL to Somerset Station. From Somerset Station, take the 54 bus to 2nd St. and Lehigh Ave. Walk to American St., turn right, and continue one block to Somerset St. Via the Broad St. Line: Take BSL to Susquehanna-Dauphin Station. From Susquehanna-Dauphin Station, take the 39 bus to American St. and Lehigh Ave. Walk one block north on American St. to Somerset St.
The Financial Empowerment Center is located on the 4th floor.


People's Emergency Center, Families First Building

3939 Warren Street 
Directions from Center City
Driving: Follow Market St. West to 38th St.  Turn right onto 38th St.until Lancaster Ave. Turn left and follow Lancaster Ave. to Haverford Ave. Turn left onto Haverford and then take the first left onto 40th St.  Again take the first left onto Warren St. and the Families First building will be one block ahead on the left.
Public Transit: Take the 10 Trolley to Lancaster Ave. and Spring Garden St. From this intersection, walk west (toward Sloan St.) on Spring Garden St. one block to Warren St. Turn right on Warren St.and the Families First building will be on the right.
The Financial Empowerment Center is located on the 2nd floor of the Families First building.

Municipal Services Building
1401 John F. Kennedy Blvd.
Directions from Center City
Driving: The Municipal Services Building is located the intersection of Broad St. and John F Kennedy Blvd.,directly across the St. from City Hall on the north side. By car, it is accessible via Broad St., Market St., or Route 676/Vine St. Expressway.
Public Transit: The Municipal Services Building is located just outside of City Hall station and is accessible by any train, trolley, or bus line that makes stops at City Hall. For Regional Rail riders, it is two blocks east of Suburban Station on John F Kennedy Blvd.
The Financial Empowerment Center is located on the concourse level of the

Community Legal Services
1410 W. Erie Avenue
Directions from Center City
Driving: Follow Broad St. north to Erie Ave. Turn left onto Erie Ave. and Community Legal Services will be on the first block on the left-hand side.
Public Transit: Take the Broad St. Line to Erie station. From Erie station, walk west on Erie Ave. (toward 15th St.). Community Legal Services will be on the first block on the left-hand side.
The Financial Empowerment Center is located on the 1st floor; check in at reception desk.

Welcoming Center for New Pennsylvanians
1617 John F. Kennedy Blvd
Directions from Center City
Driving: The Welcoming Center for New Pennsylvanians is located in the Suburban Station building at the intersection of 16th St. and John F Kennedy Blvd. By car, it is accessible via Broad St., Market St., or Route 676/Vine St. Expressway.
Public Transit: The Welcoming Center for New Pennsylvanians is located in the Suburban Station building at the intersection of 16th St. and John F Kennedy Blvd. and is accessible by any train, trolley, or bus line that makes stops at City Hall. For Regional Rail riders, it is in the building immediately above Suburban Station.
The Financial Empowerment Center is located on the 5th floor.

Community College of Philadelphia, Center for Business and Industry

1751 Callowhill Street
Directions from Center City
Driving: From Broad St., take Spring Garden St. west until 18th St. and turn left. Follow one block to corner of 18th St. and Callowhill St.
Public Transit: Take Broad St. Line to Spring Garden Station. From Spring Garden Station, walk or take the 43 bus down Spring Garden St. to 18th St. Walk one block south on 18th St. toward Callowhill and the Center for Business and Industry will be on the left.
The Financial Empowerment Center is located on the 1st floor.