Consumer Resources

In addition to the services provided by the New Jersey Citizen Action Education Fund, here are other consumer resources for New Jersey families in need of assistance:

Better Business Bureau of NJHandles general consumer complaints on NJ-based businesses.
Phone: 609 588-0808

Consumer Financial Protection Bureau (CFPB)Federal agency that provides information and assistance to individuals on consumer financial products and services, including mortgages, student loans, credit cards, and other financial products.
Phone: (855) 411-CFPB (2372)
TTY/TDD: (855) 729-CFPB (2372)

CoverNJ.orgA website launched by NJCA to provide information and assistance to NJ consumers searching for ACA enrollment sites and events near them. The information is also available in Spanish at

Essex-Newark Legal ServicesProvides legal assistance for low-income Essex County residents.
Phone: (973) 624-4500

Legal Services of NJProvides legal assistance for low-income New Jersey residents.
Phone: 888-LSNJ-LAW (888-576-5529)

NJ Department of Banking & InsuranceState agency that provides information on financial institutions, insurance companies, home improvement contractors, foreclosure specialists, and realtors that are licensed to do business in New Jersey.
Phone: 973-648-4713 (Newark Consumer Center)

NJ Department of Community Affairs Homelessness Prevention ProgramState program that provides assistance to NJ families facing homelessness.
Phone: 866-889-6270

NJ Division of Consumer AffairsState agency that handles general consumer complaints.
Phone: 800-242-5846 (NJ residents only) or 973-504-6200

NJ Division on Civil RightsState agency that handles issues and complaints dealing with NJ civil rights regulations and statutes.
Phone: 609-292-2918

NJ Housing & Mortgage Finance Agency (NJ HMFA) – A State agency dedicated to increasing the availability of and accessibility to safe, decent and affordable housing in New Jersey. Provides information and resources to renters, homebuyers, affordable housing developers, and homeowners.
Phone: 609-278-7400

NJ Housing Resource Center Statewide clearinghouse that provides information on affordable housing, including rentals.
Phone: 877-428-8844

NJ HUD-approved Housing Counseling Agencieslist of housing counseling agencies approved by the U.S. Department of Housing & Urban Development (HUD) to provide housing counseling services in New Jersey

NJ HUD-approved Reverse Mortgage/HECM Counseling Agencies list of counseling agencies approved by the U.S. Department of Housing & Urban Development (HUD) to provide reverse mortgage/HECM counseling services to senior homeowners in New Jersey

Trustee-approved Bankruptcy Counseling Agencies list of counseling agencies approved by the U.S. Trustee Program to provide bankruptcy counseling in New Jersey.

U.S. Department of Housing & Urban Development – NJ Office of Fair Housing & Equal OpportunityHUD’s Office of Fair Housing & Equal Opportunity (FHEO) enforces the Fair Housing Act. If you feel that you or someone you know may have been a victim of housing discrimination, please call FHEO on their toll-free Intake Hotline number:
Phone: (800) 669-9777 (Nationwide)
Phone: (800) 496-4294 (for New York or New Jersey)
TTY: (800) 927-9275 (hearing impaired)


New Jersey Citizen Action Education Fund is monitoring the Coronavirus situation and following the guidance set forth by the Centers for Disease Control and Prevention, the World Health Organization and various US state and local government entities. Our first priority is the health and well-being of those individuals with whom we work and serve. Therefore, effective immediately our staff will be working remotely and will provide services over the phone. To find a complete list of our staff, programs and services, click here.

For loan counseling and financial coaching clients your application process will remain the same. One-on-one sessions will be provided via telephone and video conferencing. For questions about healthcare enrollment or the Census, call (973) 643-8800, extension 210. For any other information please visit our website at for updates or leave a message in the general mailbox and it will be forwarded to the appropriate staff member. Thank you and stay well!

New Jersey Citizen Action Education Fund (NJCAEF)



New Jersey Citizen Action Education Fund está monitoreando la situación del Coronavirus y siguiendo la guía establecida por los Centros para el Control y la Prevención de Enfermedades, la Organización Mundial de la Salud y varias entidades gubernamentales estatales y locales de los Estados Unidos. Nuestra prioridad es la salud y el bienestar de las personas con quienes trabajamos y servimos. Por lo tanto, con efectividad inmediata, nuestro personal trabajará de manera remota y brindará servicios por teléfono. Para encontrar una lista completa de nuestro personal, programas y servicios, haga clic acquí.  

Para los clientes de asesoría de préstamos y asesoramiento financiero, su proceso de solicitud seguirá siendo el mismo. Se proporcionarán sesiones individuales por teléfono y videoconferencia. Para preguntas sobre la inscripción de atención médica o el Censo, llame al (973) 643-8800, y marque la extensión 210. Para cualquier otra información, visite nuestro sitio web en para actualizaciones o para dejar un mensaje en el buzón general y será enviado al personal correspondiente.

Gracias y manténgase seguro!

New Jersey Citizen Action Education Fund (NJCAEF)