The Equal Credit Opportunity Act


The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

Legal Aid of Northwest Texas

(806) 763-4557

1711 Avenue J

Hours: Mon-Fri 8:00am – 5:00pm


They provide general legal aid for those who qualify. Areas of practice include family, housing, health, seniors, children, and youth issues, public benefits, employment, education, individual rights, probate, and consumer.


If you need to prepare a will, contact Legal Aid on Thursday mornings at 9am.

Legal Aid Society of Lubbock

(806) 762-2325

916 Main Street, Suite 103

Hours: Mon – Thur 8:30am – 4:00pm
Fri 8:30am – 11:00am


Provides indigent residents with legal services in the areas of family and elder law, including: protective orders for sexual, domestic and dating violence, victims, adoption, child support, custody modification/enforcement of court ordered divorce, durable, statutory powers of attorney and living wills.

Money Management International
– Crystal Gomoke

(888) 845-5669 x5945

Hours: Call 24 hours/7 days a week



MMI is committed to assisting consumers nationwide achieve their dreams of financial stability, though meaningful education programs and resources, sound financial counseling and responsive quality service.

North and East Lubbock Community Development Corporation (NELCDC)
– Monique Coleman

(806) 747-5937

708 Crickets Ave.

Mon – Fri 9:00am – 5:00pm

Email @

National Student Loan Data System (NSLDS)


If you are struggling with student loans and need more information about unbiased student loan counseling services you can visit our web site or call us at 888-922-9723; this is a paid service with a sliding scale based on income.

Hands on Banking


A good online tool for helping your organize your financial information.

Community Housing Resource Board

(806) 763-3877

1628 Main Street


Provides lease to own options for low-income families.

Lubbock Housing Authority

(806) 762-1191

1708 Crickets Ave

Hours: Mon – Fri 7:00am – 4:00pm

The Housing Voucher/Section 8 Public Housing Assistance Program requires a participant to locate their own housing in the City of Lubbock or up to five miles outside the city limits. The Housing Authority of Lubbock will subsidize the participant’s money rental payment, based on his/her income. The rental property the participant selects will be inspected by the Lubbock Housing Authority to ensure the property complies with the Department of Housing and Urban Development’s Housing Quality Standards.

City of Lubbock Community Development Housing Program

(806) 775-2296

1611 10th Street

Hours: Mon – Fri 8:00am – 5:00pm


Provides access to self – sufficiency programs for the City of Lubbock through partnerships in economic development, quality housing, and neighborhood reinvestment. The department also administers several housing programs in-house. Goals are in accordance with the City of Lubbock consolidated plan, the goals of our City Council and assessments of neighborhood needs.

Lubbock Housing Finance Corporation

(806) 745-9559

3212 Avenue Q

Hours: Mon – Thurs 8:00am – 5:00pm


Its mission is to facilitate, in partnership with the private sector, the availability of decent, affordable housing for low-to-moderate income citizens.  Since its inception, LHFC has issued hundreds of millions of dollars of tax-exempt bonds to make homeownership and rental housing affordable.

Backyard Mission

(806) 300-0184

8205 Quincy Ave

Hours: Call for hours of operation. Leave a detailed message on the answering machine, include your phone number, and we will contact you as soon as we can.


Backyard Mission provides free home repairs for low – income, seniors 60 yrs.+, homeowners in Lubbock. Typical repairs include leaky roofs, siding repair, exterior paint, broken windows exterior doors, heaters, and water-heaters. All help is subject to donations. No emergency assistance. If the family can provide the labor, Backyard Mission can supply materials: this process takes about two weeks, otherwise there is about a two-year waiting list. The waiting list does not apply to heaters and water heaters. Professionals are paid to install these.

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