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How to Plan for Emergencies

ACCC understands that financial crisis is not always caused by poor decision making, but more often due to events outside of our own control. Sometimes the unexpected, the unplanned, and even the unthinkable happen and making ends meet becomes that much harder. 

Tornadoes cut a swath across the mid-western United States this spring and took lives, destroyed homes, and crippled entire communities. Thousands in Oklahoma alone found their entire lives turned upside down. A devastating explosion at a Texas fertilizer plant killed 15, injured hundreds and erased 37 blocks of a city. It is also likely that it will put an end to one of the region’s major employers. And the terrorist bombing of the Boston Marathon – which prompted national outrage, a dramatic manhunt and unprecedented generosity and compassion for the victims – halted activity and commerce for days in one of the city’s busiest commercial neighborhoods.

Emotional and physical wounds may take years to heal for those directly impacted by tragedies, but the financial damage will also have long-lasting effects on many.

Nobody can predict or adequately prepare for such terrible circumstances whether it’s a natural disaster, terrorist attack, sudden unemployment, illness or foreclosure. But this page serves as a central location for finding the resources needed to regain control of your financial life in a time of catastrophe. We are committed to helping people live better lives through education and money management. These resources can help get you and your family back on the right track and secure for the future.


While the shock felt by a disaster often seems too overwhelming to bear, there is always hope for the future and coming to terms with change can be accomplished. Operation Hope, in cooperation with the U.S. Department of Homeland Security, has developed an Emergency Financial First Aid Kit as a step by step guidebook for recovering in a time of crisis. For a copy, click here.

Just as important as preparing your home and family for a potential emergency, you should also prepare an emergency fund.  To learn more about how to build your emergency fund click here.

For more emergency resources click here.

(continue on to How to Start an Emergency Fund)...

American Consumer Credit Counseling (ACCC) is a leading source for personalized debt management advice and programs to consolidate your debt. If you are interested in consolidating debts, contact one of ACCC's credit advisors to learn how to consolidate bills without having to take a consolidation loan as would be suggested by some other debt relief agencies. As a Better Business Bureau accredited credit counseling agency, you can count on ACCC for fair and honest help with credit issues. We are also approved by the Department of Justice to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member