PROGRAMS AND SERVICES At Ray of Hope, we provide consultation, education, counseling and programs free or at nominal charges to help individuals with problem gambling or gambling addiction. We provide information and help covering: GAMBLING EDUCATION > What is Social Gambling, Problem Gambling and Gambling Addiction > Stages of Gambling Addiction > What are signs of Problem Gambling > Treatments for Gambling Addiction > Gambling prevention education for schools DEBT COUNSELING AND MANAGEMENT > > To promote responsible use of credits and money To assist distressed debtors by providing information or necessary referrals, proposing financial solutions, and drafting of Debt Management Program, working with all stakeholders to implement repayment plan. CALL 1800-STOP-NOW FOR HELP.