Help | Freed Financial

If you or someone else is in danger right now, call 911. If you’re thinking about suicide, call or text 988, the Suicide & Crisis Lifeline.

Talk to someone today

National Problem Gambling Helpline: 1-800-MY-RESET (1-800-697-3738). Call or text, or chat online at 1800myreset.org. Free, confidential and available 24/7 in all 50 states. Run by the National Council on Problem Gambling.
National Council on Problem Gambling (NCPG). Information, warning signs and a state-by-state directory of local helplines, counselors and often free, state-funded treatment. ncpgambling.org
SAMHSA’s National Helpline: 1-800-662-HELP (4357). Free, confidential treatment referral and information, 24/7. samhsa.gov · Search for treatment at findtreatment.gov.
Gamblers Anonymous. Free peer meetings, in person and online. gamblersanonymous.org
Gam-Anon. Support for spouses, family and friends. gam-anon.org

Card breaks, mystery packs and digital pulls count. If you’re paying for a chance at something worth more, these lines will treat it as gambling.

Stop the money path. Delete saved cards from shopping and livestream apps, and turn off one-tap checkout.
Call or text 1-800-MY-RESET. You don’t need a plan or the right words. “I think I have a problem with card breaks” is enough.
Tell one person you trust. Saying it out loud takes away most of its power.
Write down the real number. List every balance you owe. Knowing it is the first step to fixing it.
Don’t try to win it back. The urge to chase is strongest right after a loss. Waiting it out is a win.
Get some sleep. Decisions made at 2 a.m. after a losing streak are rarely good ones.

You don’t have to win the argument with yourself every night. Make it harder to start.

Ask your bank or card issuer for a gambling block. Many can block gambling transactions on your debit or credit card. Check the card controls in your app, or call the number on the back of your card.
Use blocking software. Free and paid tools can block gambling sites and apps on your phone and computer. Your state helpline can point you to options.
Use your phone’s built-in limits. Screen-time and app-limit settings can block apps or require a passcode someone else holds.
Self-exclude. Many states, casinos and betting apps let you ban yourself for a set time. Your state helpline can walk you through it.
Set low spending alerts so every charge pings your phone.

Pick a calm moment, not right after a loss or an argument.
Start simple: “I’ve been spending more than I can afford on card breaks, and I want help stopping.”
Ask for one specific thing: hold a passcode, check in weekly, or sit with you while you call the helpline.
If you’re the one worried about someone, lead with care, not numbers. “I’m worried about you” lands better than “How much did you lose?” The helplines above support families too.

NFCC. Nonprofit credit counseling and debt management plans. nfcc.org · 1-800-388-2227
CFPB. Your rights with debt collectors, and a way to file complaints. Debt collection help
Free credit reports from all three bureaus at AnnualCreditReport.com.
Ask your card issuer about a hardship plan. Many can lower your rate or set a fixed payment for a while. Get the terms in writing.
Be wary of “debt relief” pitches that charge upfront fees or promise to erase debt.