Need Help Paying Bills – government programs to pay bills

Need help paying bills – Free grant money to pay bills I don’t make enough money to pay my bills, I was working, Had a good salary, I am jobless now but the expense is still out of control I need help paying my bills. My job has gone but my bills are making me sleepless every night so Need help paying bills now, desperate for money to pay bills The deadline is coming near to my insurance and credit card bills, all my savings are going to be nil I Need help paying bills asap. I am a student and I have to pay my rent and tuition fee, I am a single mother I need help with medical bills of mine and my kids. Do you see yourself anywhere in this scenario? Keeping up with your bills is never simple, particularly for families juggling the expenses of raising a family, household accounts, and debt payments. Lots of folks find they need help to pay bills. If you stick with it and have a budget, you may be left when an investment or an invoice pops up to sabotage your delicate balance panicking. You can not even collect unemployment since you have not been working. You had an unexpected bill or’ve lost your job — if you have experienced one whatever the emergency, you had trouble paying your debts. Your expenses are not Even though your income is gone. Many private and government programs offer cash now. Need Help Paying bills Grants comes federal government personal grants.  The federal government and state government offers free grant money for bills and personal use. Government programs to help pay medical bills are a part of personal grants for women, financial assistance for medical bills, where they help single moms, divorced a widow moms to pay their medical expenses. Many organizations help pay medical bills, rent, tuition fees, utility bills, mobile bills. We will try to cover all the resources which can help you to get maximum benefits from government grants. You can apply for personal grants online for free Here

A lot of folks need help paying their bills or debts. Within a month or two, those bills have eaten your savings up. Or they need no cost items, such as meals, clothing, or other supplies for their household. You may look at organizations in addition to national or local charities. There are tons of programs to assist individuals such as utilities, housing, or food. Finding and applying for all these applications that are different can be a hassle. Even when you do everything right, it is possible to avert a crisis. There are loads of programs out there — some run by the government, some by charities — which can help keep the bills paid before you get back in your feet. There is everything from mortgage or debt help to free markets, grants to help cover rent or utility bills and medical bill assistance, or free healthcare also. Here is how to get free cash if you want help paying bills.

What is Government Programs that help paying bills?

Government programs can help you pay your bills, just like any other business. They can provide financial assistance, including grants and loans. However, there are a few important things to keep in mind when looking for government-provided assistance. First and foremost, the government should only provide financial assistance that is necessary to cover your operating expenses. This means that you won’t get a grant or loan if you don’t need them—and it also means that the government won’t arbitrarily give away money without knowing what you’re going to use it for. Second, be sure to thoroughly research the program before applying. Many times, governments offer different types of assistance with different terms and conditions. Don’t take lightly an offer from a government institution because you think it will be beneficial for your business. Make sure to do your homework and find out what type of aid is available before making a decision.

Government Free Money To Individuals

A lot of folks need help paying debts or their bills. You can save yourself energy and time by checking out a couple of resources that can connect you. If you are facing a fiscal crisis, the first place you should consider is Benefits.gov. Except for this Find information on charities, churches, government assistance programs, organizations such as the Salvation Army or Catholic Charities, and other tools that will supply you help. Telephone lines and these websites will be able to help you find charities and assistance programs that meet your needs. This website can connect you to your state. Mortgage or rent is most people’s biggest bill.

You may also use the”Benefits Finder” tool to discover programs you qualify for. If you lease, based upon your income, you could qualify for help through a national or state authorities program. Unfortunately the resources available from such organizations tend to be restricted, and only a certain amount of individuals can be assisted. The non-profit in addition to charity organizations provide counseling type services, pass things out, or may provide long term or emergency assistance for paying bills. This is because of the high demand. The sort of assistance will vary.

Paying your utility bills may be a hardship if you’re able to keep up with your mortgage or your rent. If you are struggling to meet monthly utility payments, such as electricity or gas, the U.S. Department of Health and Human Services includes a home energy assistance program that could help, particularly if you live a place where extreme weather makes it tough to keep your home and family comfortable. You also need to explore state utility assistance programs. There are quite a few state-run programs that allow you to cover a set amount based on your earnings. Ask them if a charity or non-profit can not satisfy your requirements. Or perhaps they have a list which you can sign up for.

Agencies, such as Saint Vincent de Paul, will even demonstrate how you can save money in addition to provide some strategies and methods to cover the bills when money is tight. Much of this help is focused on individuals who are most in danger. You can search the site to discover applications by state, by service, or by categories like healthcare or disaster relief. This may include senior citizens, families with young children, single mothers, and the handicapped.

How to Use Government Programs to Pay Your Bills on Time?

government programs to pay your bills is by using them in time-honored ways such as through automated payments or direct deposit. This means that instead of having to go through banks or credit unions separately each time you need money, government programs will automatically process your payments directly into your bank account. This can save you a lot of time and hassle!

One way to use government programs to help you pay your bills is by using them to receive discounts or assistance. For example, the Department of Veterans Affairs offers veterans benefits that can be used to pay for rent, electric bills, and other living expenses. The Department of Housing and Urban Development also provides housing assistance that can be used to pay for rent, water bills, and other living expenses.

How to Get Financial Help to Pay Your Bills?

If you’re struggling to pay your bills, it may be helpful to look into financial assistance programs. Financial assistance programs can help you get a head start on paying your bills and avoid becoming embroiled in debt. To find out more about available financial assistance programs, consult with your bank or credit union, or check the website of the government agency that offers these services. There are several different types of financial assistance available, depending on your situation. Some examples include: – payday loans – student loan forgiveness – credit counseling – personal bankruptcy – low-interest loan programs. Once you’ve applied for financial assistance, you’ll need to wait for a response. Depending on the type of assistance you’re looking for, your application may take anywhere from a few weeks to several months. Once your application is received, you’ll be able to access resources and begin working on paying off your debts. If you have any questions about financial assistance programs or how to get started, don’t hesitate to contact one of our representatives at Oneida Credit Union. We’d be happy to help you get started and guide you through the process.

Free Money to Help With Rent

Homelessness is a real threat to Americans. Each month millions of Americans struggle to make rent. So being not able to pay your lease is frightening. You’re struggling. Use resources and these strategies to make rent. Here are programs and associations in which paying rent can help you.

# Public Housing Or Low-Income Housing

Public housing, the form of government-subsidized housing. Public housing includes apartment buildings or complexes and single-family houses. Which are accessible to people and families, elderly people and people with disabilities. Homes are frequently provided by public housing to people who earn less than the average income, though some countries do not set income ceilings. Anyone can contact your state or local housing authority. The U.S. has 1.3 million units of public housing, according to the HUD, Public housing projects, which usually take the kind of large apartment complexes located in poorer neighborhoods, continue to garner both service and criticism.

# Section 8 Programs (Housing Choice Voucher Program)

The Section 8 application is conducted by HUD. The U.S. Department of Housing and Urban Development assists individuals and families who struggle to locate affordable housing in their communities. This program’s objective is to give housing choice vouchers. The Section 8 Certificate program provides vouchers that pay the difference between the lease for this family and 30 percent of the income of a household. Even be considered to be given a voucher, the person should meet four criteria including income level, family status, citizenship and eviction history. Guidelines have been set by HUD as to what defines a family but have given every Public Housing Authority- PHA- some flexibility in their definition of a household. Section 8 is intended to assist individuals who afford the home.

By way of example, if a family makes $20,000 a year it would be expected to pay $6,000 per year — or $500 a month — for utilities and rent. That family will be eligible for a $250 Section 8 voucher each month if the market rate for an apartment in the community of the family is $750 per month.

# Salvation Army Help

Homelessness can happen to anyone – guys, single women families, the elderly, children or adults that are young. The Salvation Army assists individuals that are currently struggling to remain in their homes. During our Home Now program, Assistance comes in the kind of support, referrals and budget counseling. The Salvation Army might provide transitional or temporary housing for families.

Government Help With Mortgage

A home mortgage modification’s objective is to receive your payments to a more affordable level. FHFA is dedicated to providing resources to the homeowners who’ve been affected by the housing crisis of America. People today get behind on their mortgage for a lot of reasons, often through no fault of their own. You may find Government plans to help improve your housing situation that is financial and Information to solve issues.

# HFA Loan  Modification Mortgage Assistance Programs

The Hardest Hit Fund, which provides Help to is administered by the US Treasury, The states that were impacted by the crisis. Your state Housing Finance Agency offers programs to assist homeowners If they have been affected by managing their mortgage payments Unemployment, other catastrophe or a natural disaster. Each of those states has Chief reduction and aid that is transactional. The agency may provide mortgage assistance, one-time Payment assists with changing your or to bring your mortgage current This helps people manage the houses or move to more affordable housing. An”affordable” mortgage payment is typically defined as 31 percent of the borrower’s monthly gross income.

# Home Affordable Refinance Program (HARP)

The Home Affordable Refinance Program (HARP) is a National program that Helps homeowners who have no or little equity in their homes to Restructure payments. A Home Affordable Refinance will help borrowers refinance their mortgage if the balance is more than 100 percent of their housing value. The Home Affordable Refinance Program, or HARP, is a program offered by the Federal Housing Finance Agency to homeowners who have homes that are worth less than the outstanding balance on the loan. Many homeowners pay their mortgages on time but are unable to refinance to take advantage of the lower mortgage rates to a reduction in their home’s value. The program is available. The program has provided millions of homeowners with assistance Who struggled to pay their mortgages throughout the home crisis.

# Principal Reduction Program (PRP)

The Primary Reduction Alternative motivates your mortgage lender to reduce the quantity of principal you owe. Payments cheap with a reduction refinance.

# United Way 2-1-1 Program

During its 2-1-1 referral service, people can be connected by The United Way Are in distress with agencies and tools that could help. To locate programs simply dial 2-1-1 from any mobile phone or landline and receive referrals and advice to agencies A resource specialist will inform you. You may also enter your address at 211. Org to discover a site for your local 2-1-1 program. IT has sources of agencies Provide emergency assistance in several areas, including health, human services, children, unemployment and families, and care. You can search for information, As soon as you find your website.

Government Help With Paying Utility Bills

When you must spend your time there shivering in the dark having a roof over your head is not that much comfort. Even If You’re able to keep up with your mortgage or your rent, paying Your utility bills may be a hardship in the event you live in an area Where weather makes it tough to keep loved ones and your home comfortable. If you are having difficulty paying your utility bills, here are several places to search for assistance. Here are three organizations that provide aid for utility expenses.

# Benefits.gov

The Low Income Home Energy Assistance Program, or LIHEAP, helps low-income families meet their house heating and house cooling expenses. Visit this site Help such as the Office of Community Services’ Low Funding comes from the Federal Government, but a program runs. LIHEAP provides grants to help with home energy bills And other or weatherproofing small home repairs energy increases efficiency. LIHEAP can provide money to cover your home energy bills and make repairs.

# Lifeline

A program that gives you a discount on phone or internet support to households. Phone bills may be a problem in a cash crunch. In 1985, the Federal Communications Commission (FCC) began the Lifeline program to ensure customers could afford phone service. If you are eligible, you receive a discount through your mobile phone or online provider. The program has expanded to cover cellular phones and broadband Internet service. If you qualify, contact USAC to find out. Eligible low-income subscribers can find a credit of $9.25 a month for either wireless or wireline service.

Other Utility Paying Bills Programs

Your first step should be to get the power company if you can not manage your home heating and electric bills. LIHEAP is. It could have the ability to help you in unique ways. There are Each month based on your earnings get. Some states have applications, run with state money, to assist people Who do not qualify for LIHEAP? Some companies have programs that spread your utility costs out to make them more manageable. Some states have programs to give energy credits for folks. Gives households a $150 credit toward their gasoline bill. The business may also be inclined to let you put off paying your invoice per month. Your state and your utility company LIHEAP office can help you find programs. They can provide you discounts on products which can allow you to lower your home energy costs in the future. American Water provides water and wastewater services Gives aid bills.

Paying Debts Help – Emergency Financial Assistance

free government grants to pay off debt  Student loan debt, credit card debt, medical bills, and other debt can get overwhelming. Because you lost your earnings Many times, a crisis occurs. There are if you are having difficulty making your monthly payments. This could happen because you have lost your job or had your work hours cut. Beware of scammers who request money to attempt and resolve your debt use only reputable businesses.

# In-charge Debt Solutions

InCharge Debt Solutions is a 501(c)(3) non-profit, Organization offering professional and confidential credit counseling, InCharge Debt Solutions is Your situation and debt and also makes suggestions about the best way best to fix things. The business offers debt consolidation solutions for a fee — compare these charges with different options and be sure you’re saving enough to justify the fee.

# American Consumer Credit Counseling

American Consumer Credit Counseling can help you reduce debt relief, debt consolidation, and debt management programs. This nonprofit organization offers free consultation on debt budgeting and consolidation. American Consumer Credit Counseling provides credit counseling services in all 50 states. You may be able to have these fees waived depending on your situation. They don’t charge for the consultation.

# National Foundation for Credit Counseling

The National Foundation for Credit Counseling is the country’s biggest & longest-serving nonprofit financial counseling organization. The organization offers counsel on all sorts of debt such as credit cards, student loans, mortgages, and more. Launched in 1951, The National Foundation for Credit Counseling is based on a community of Certified consumer credit counselors, so some may charge fees for some services.

# The Sunshine Lady Foundation

Buffet donates stocks from his Berkshire Hathaway that is conglomerate to finance the programs. The assignment of the Sunshine Lady Foundation would be to invest in programs and organizations dedicated to providing opportunities for the advancement of education. A charitable organization that provides grants is run by the sister of warren Buffet. The Sunshine Lady Foundation assesses requests from individuals who are seeking help and gives grants to those it deems worthy. The Sunshine Lady Foundation has fielded over 22000 pleas for support. the average grant is $4,800.

Help In Paying Healthcare And Medicare Bills

Medical costs can pose a threat. An assortment of government and nonprofit programs can help provide medical insurance and affordable medical care to people who want it. Medical bills account for almost 3 times as much debt in this nation as credit cards. You’ll be able to plan for just about everything else, but injury and illness can strike out of nowhere, bringing tremendous bills in their wake.

# How to get help with medical bills

Americans can get health care. The Children’s Health Insurance Program (CHIP) provides health care to eligible children, through both Medicaid and different CHIP programs. The program is funded jointly by states and the federal government. The Children’s Health Insurance Program (CHIP) covers children up to age Have insurance but are not poor enough to be covered by Medicaid. Medicaid covers both children and adults from low-income families. Sliding fee or free medical clinics give emergency or preventative healthcare to the low income, uninsured, women and underinsured. Rural clinics and federally qualified health care centers are also very local. Medical assistance can be obtained from free urgent care centers, volunteer doctors, and nurses.

Millions of people who do not have dental insurance can benefit from free dental care, such as extractions and teeth cleanings. Volunteer dentists and local clinics can also provide dental assistance to the uninsured and low-income population. Most counties and cities have them, including charitable or mobile centers.

Medical or hospital bills can be paid for with financial assistance. Charities and non-profits offer assistance in a variety of ways, including payment plans and government grants. Due to the rising cost of healthcare, hospital and medical debt is another major issue.

The low-income are helped by free prescription drugs, discount cards, medications, financial assistance, and more. Resources are offered from charities or pharmaceutical companies as a kind of prescription drug aid.

#Help from Free clinics, Hospitals, and Care Centers

Hospitals, pharmaceutical companies, and clinics provide income-qualified patients with so-called charity care or other kinds of financial help for paying for their drugs. Find a detailed listing of national charity associations that provide aid and financial aid in all states. The National Association of Free & Gamble Clinics (NAFC) is a community of approximately 1,200 clinics across the nation that provide care to individuals who can not afford it elsewhere. If you don’t have medical insurance, or if your insurance does not cover much, you can seek care through free clinics. Some of these treat everyone at no cost, while others charge fees on a sliding scale depending on the individual’s income. There is also a larger directory of low-cost and free practices for medical care and dental hygiene in NeedyMeds.

Medicine is one of healthcare’s sections. An urgent care center provides a quicker and cheaper alternative to getting care. You may use the iTriage program to find one or do a search on UrgentCare.com. Drug discount plans, like the NeedyMeds card, can help keep these costs under control for men and women that do not have insurance. The NeedyMeds website can also help you to find pharmacies in your area that provide low, fixed costs on the generic versions of drugs that are common. There are about 143 of those hospitals throughout the country. Facilities get funding every year, to supply a specific amount of low-cost or free care. For now, you’ll find out whether you are eligible for a subsidy when applying for coverage at HealthCare.gov. Simply enter the name of the medication and your state where it is available at a reduction, you will need to see. Issuers’ websites to get an idea about what discounts they give on specific drugs. The iTriage program can help you to find clinics locally.

Government Programs and Nonprofits That Can Help with Medical Bills

There are financial assistance programs available for those navigating treatment. These government programs and nonprofit organizations can help you pay medical bills and medical related expenses.

Medicare

Medicare is a federal program that assists seniors over the age of 65 and some younger people with disabilities get medical insurance or help paying for it. Different Medicare programs cover various types of medical necessities or procedures. You have choices regarding the coverage you will receive once you enroll in Medicare. Part D is included in some options, but traditional Medicare only covers Parts A and B.

Extra Help

Extra Help is an expansion of Medicare that permits individuals to receive extra help with their prescription drug costs that aren’t normally covered by the original Medicare plan, and it just includes parts A and B.

Supplemental Security Income

Supplemental Security Income is a Social Security program that is supported by general funds from the U.S. Treasury. Because it is not based on employment, it differs from other Social Security benefits. SSI payments are paid on the first of the month to qualified beneficiaries. In some, however not all states, SSI recipients will likewise get Medicaid to assist with hospital bills.

Health Insurance Marketplace

The Affordable Care Act, also known as Obamacare, gives people who didn’t have access to health insurance before, including people who can’t get insurance through their jobs, access to it. If you want, you can look at your options under the Affordable Care Act on the Health Insurance Marketplace and sign up for insurance coverage.

Medicaid

Medicaid is a government program that covers low-income people’s health care coverage. It helps more than 70 million Americans and is the largest insurance provider in the United States.

Organizations That Help with Medical Bills

There are a few non-profit organizations that provide assistance with medical bills in addition to programs that are funded and sponsored by the government.

HealthWell Foundation

The HealthWell Foundation gives people who don’t have health insurance or are underinsured access to high-quality care under the tagline “when health insurance is not enough.” The HealthWell Foundation offers financial help to prescription copays, health insurance premiums and deductibles, pediatric treatment and travel costs for medical care.

Patient Access Network Foundation

The Patient Action Network (PAN) helps people with funds who don’t have health insurance or are underinsured pay for their care for rare, life-threatening, and chronic diseases. Health insurance premiums, travel costs, and copays are all covered by the network.

Patient Advocate Foundation

The Patient Advocate Foundation’s case managers help alleviate the stress and financial burden of medical diagnoses by providing no cost services to patients. Those who meet the eligibility requirements receive financial grants and relief from copays from the foundation.

What to Do When You Can’t Afford Your Medical Bills

There are a few things you can do to lessen the financial burden of paying a medical bill if you can’t afford it.

Examine Your Bill for Errors

Errors account for up to 80% of medical bills. Look for any services that were duplicated or that you did not receive when examining your bill for errors. Additionally, look for items that ought to have been covered by your insurance. You can dispute a charge with the hospital or medical provider if you discover one that appears to be incorrect.

Ask for a Payment Plan

At the point when you get a large bill, you can request to pay it in smaller, monthly installments as opposed to at the same time. The minimum amount you can pay each month will vary based on the size of your bill and your financial capacity to pay. When you receive a huge bill, it’s best to ask for a payment plan right away so you can work to resolve the debt.

Negotiate a Discount

Notify the medical provider immediately if you can’t pay your bill. Low-income individuals may be eligible for benefits or services offered by some providers or hospitals that may cover some of the cost.

You can likewise negotiate a discount on your bill by proposing to pay a huge sum forthright in exchange for a reduced cost. For instance, if you offer to pay the entire thing at once, some hospitals will give you a percentage off the bill.

Charity That Help In Paying Bills

you may look into the next local or national Charities as well as organizations. Various services and programs are offered by charities, Unfortunately, the tools available from these organizations tend to Be limited, and a certain number of individuals can be assisted. This may include families with children senior citizens, single mothers, and the handicapped. The sort of assistance will vary. You can receive assistance with paying for utility bills, medical expenses, rent, food, prescription medications, or job coaching. In addition to the resources below, find an extensive list of national charity associations that provide aid and financial aid in all states.

# Local Churches and Catholic Charities

Catholic Charities is a community of local churches and social service agencies. They focus on reducing poverty and strengthening families. The ones that qualify, irrespective of their faith will be assisted by the organization. Food, housing, emergency financial assistance, clothes, holiday assistance, and more are given. A church near a household may be used for financial assistance, Churches provide a huge array of assistance. As they are raising the number of aid programs administered in the challenging economy of today. A church Supply help including emergency rental assistance, food, help with paying utility and heating bills, healthcare, and more. Episcopal Church Is a national organization, but the services run by every parish vary. Volunteers can provide basic needs like personal hygiene products, clothing foods, or food. The charity supports households and vulnerable living in poverty. A Few of the charity’s parishes might have more extensive Support, even health clinics held loans or by volunteers to Use for auto repairs.

# Communities Helping In Paying Bills

Community Action Organizations are local non-profit or public groups that offer various kinds of help to people in need. They do their best to support and assist low-income families, children by providing things. Charity Medical Care services Hospitals, doctors, and medical providers provide Some kind of medical or dental services to the income or uninsured. They can help with heating and utility bills, provide lease payments job training, and other services. International Association of Jewish Free Loans charity company can offer borrowers with access to capital for addressing a crisis. The help in the non-profit may be used to cover for emergencies Car repairs, utility bills, home, and health care expenses. The loans will be interest-free, which means there are no fees.

You can find the best Emergency Financial Grant as per your need offered by federal and state governments to low-income families and needy peoples. These Need paying bills grants helping and making people use basic needs utilities, medical services, healthcare services, mortgage loans, rent payment, good education and much more. Read more about federal government grants and loans

Free government grants to pay off debt

Those who think that there is nothing free in life they might not have heard about free government money and government Hardship grants which are available for individuals. If you say it’s free it not true exactly because funding for these grants money is being done by taxes income, the tax you are paying come to government and some part of that tax is being used for your welfare, There are various ways to pay rent, pay the mortgage, pay your credit bills, pay off debts from government grants, Government Free money you never payback is a kind of help and welfare to society using various social benefits for individuals, single mothers and elderly. These grants are useful and helping many of the people in need.

Those who willing to borrow debts and receive a debt bill can participate in free government grants to pay off debts. Its a Government debt Relief Program offer by the government public and private organizations and foundations.  Anyone who is an American citizen can apply for free debts grants from the government. Those who apply and qualify for this grant can get money which he doesn’t need to repay. get know more information about free government hardship grants for individuals

I can’t pay my utility bills, what can I do?

If you are struggling with making payments on time then you should contact your supplier to let them know. This is very important to build good relations with suppliers. If you tell them then they may discuss all the facts and figures with you and may give you options that will help you in repaying your bills in arrears. If this is the case, then you to consider these energy arrears are in priority debts. If you are willing to pay your debts on time then you can plan the timings of your repayments and avoid the situation of being disconnected from the supplies.

There are various energy companies available that will help you with your debts. They are available at lower tariffs. These are also known as social tariffs. These energy companies offer various services including hardship funds and priority services. If you are in need and need further help then you may contact them for priority services.

If you have a pre-payment meter, then some foodbanks are also there to help you. They will help you by giving you a small top-up if you are out of credit. This is a very good option.

This document put all the relevant things together including a guide to dealing with energy bills, this covers the following points:

• What to do if you owe the supplier money
• Making sure you are treated fairly

The energy-saving trust has a lot of useful information that will help you in saving your money on your energy bills and where you can apply for financial support which is a very good option.

Can I get help with paying my energy bills?

LIHEAP may be able to help you out in paying yo​​​ur energy bills. ​​​​LIHEAP is a federally funded program that assists low-income households pay for heating or cooling in their homes.  With additional federal funding available to assist households that are struggling financially with higher energy cost rates and making ends meet, many Californians in need may qualify for this program.​

​​LIHEAP can provide a one-time payment to offer you help:​​​

• It can pay your heating or cooling bills, even if you use oil, wood, or propane.
• During an emergency or energy crisis, such as a utility disconnection.​​

In addition to assist you with paying ​​your energy bill, LIHEAP can also offer in-home weatherization services including:

• ​Improved energy efficiency
• Safety and Health.​​​​​

Home Energy Efficiency

CSD’s energy efficiency and weatherization programs offer home energy efficiency upgrades and health and safety improvements to qualifying low-income households. Please contact your local low-income energy services provider in your area to learn more about eligibility requirements and inquire about available services in your area.

Find the agency in your area using the Find Services in Your Area function, and then get in touch with them to apply for help. Please call the toll-free help line at (866) 675-6623 if you would like to talk to a live operator who can assist you learn more about where to apply.

Assistance with electricity

Light, heating and other utilities are often offered from national organizations. It is also possible to reduce monthly utility bills like saving money etc. that can also free up a household’s income for other basic necessities. Savings can be combined with financial assistance in order to pay utility bills. 

Help in Paying Water bills

If you are one of those customers who is struggling with money and facing financial issues then water suppliers are also available to further support you. But their helping criteria fully depend upon your current financial situation. These are often available for people who are on low incomes and benefits. Before helping they check your financial situation and if they find it genuine only then you will get help.

The help that they give may vary between suppliers. So, if you want help from them, then find out more about support from water companies.

I can’t pay my mortgage, can I get help?

If you are struggling to pay your mortgage repayments then there is help that is available to you. If you genuinely want help then firstly you should speak about your situation to your mortgage provider.

Your mortgage provider will surely help you in setting up a plan for repayment that you owe them. It may be possible that they offer some other options to you. These options include the following:

• Taking a payment holiday
• Switching to an interest-only mortgage
• Extending the length of your mortgage
• Help with an assisted voluntary sale scheme

If you are on a benefit then you are the lucky one that may get help from the government too.

Can I get assistance with Phone bills?

Phone bill assistance can be an option, including free cell phones for the low-income household and individuals, disabled or seniors. Learn more about free iPhones, Samsungs, tablets, and other smartphones, including for families on Medicaid or EBT. 

Can I get assistance with my fuel bills?

During the winter season, LIHEAP assists low-income individuals and families with the cost of heating their homes. You must apply in person at the fuel assistance agency in your area if this is your first time applying. You will receive an application via mail after that initial year. Your local fuel assistance agency can be used to appeal decisions that deny applicants assistance. You can learn more by visiting the LIHEAP website or calling the state hotline for social service programs at (800) 632-8175 or dialing 211.

The Salvation Army’s Good Neighbor Energy Fund that provides one-time grants to eligible consumers, may be able to assist you if you are not eligible for LIHEAP. If you live in the 413 area code, call (800) 262-1320 or (800) 334-3047 for more information. You can likewise visit the Salvation Army’s Good Neighbor Energy Fund website to find out about the program and review the income qualification guidelines.

How to Get the Most Out of Financial Help?

When you apply for financial help, be sure to ask about the specific needs of your case and the amount of help that will be available. You can also find helpful information online or in a library. Many people use financial help to save money. One way is to make savings on your monthly expenses by setting up a budget and sticking to it. Another option is to use financial help to pay off high-interest debt quickly. By using financial help, you can achieve several important goals, including saving money, reducing your credit card debt, and improving your overall finances.

Am I eligible for a discount rate or other payment option?

You might be eligible for a discount rate from your utility if you are qualified for LIHEAP, or if you receive any means-tested public-benefit program, including:

• Supplemental Security Income (SSI)
• Transitional Aid to Families with Dependent Children (TAFDC)
• Emergency Aid to Elderly, Disabled and Children (EAEDC)
• Food Stamps
• Head Start
• MassHealth Standard, CarePlus, or Limited1
• Refugee Resettlement Benefits 
• Free and Reduced School Lunch or Breakfast Program
• MassVeterans Benefits (G.L.c. 115)
• Dependency & Indemnity Compensation (DIC) for Surviving Spouse or Parents of Veterans
• Improved Veterans Disability Pension 
• ConnectCare Plan, Types 1, 2, or 3A
• Health Safety Net Plan – Primary or Secondary
• Women, Infants & Children (WIC)

For more details, visit the LIHEAP website. To find out if you are eligible for a discount rate, you can also get in touch with your electric or gas company.

Moreover, you can set up for budget billing, where your gas or electric company assesses your usage for the year, partitions the total by a year, and you pay a similar amount every month. Your company will reconcile your bill with the amount actually used at the end of the year, and if you overpaid or underpaid, you will get a credit or a bill. Contact your utility company to arrange budget billing.

Last but not least, you can get in touch with your utility company to set up a payment plan where you will pay overdue fees by paying a monthly amount in addition to your current monthly bill.

Assistance with debt relief for loans, credit cards, medical costs and unpaid bills

Because many people live paycheck to paycheck, it’s all too common for them to get into debt just to keep up with their bills or have trouble paying off credit cards and car loans. Banks, lenders, credit counselors, financial literacy resources, and other forms of support are all available for assistance.

Counselors from non-profit agencies assist with debt management plans (DMP), settlement, medical debt and other support too — both in person and online.

Banks and credit card companies frequently offer relief to their clients. There are consolidation programs, refinancing, and other forms of credit card assistance.

Many other debt assistance programs are available, ranging from credit card hardship to consolidation, emergency financial aid, payment plans and more.

Where can I find assistance for loans that help pay bills, including for emergencies?

As a last resort, you can look into payday loans, peer-to-peer lending, nonprofit programs, and low-interest Credit Union loans. Get familiar with reality with regards to the different kinds, including the upsides and downsides to utilizing them. Borrowing money might be a good option in some limited situations.

Borrowers with bad credit (or no history) 

Borrowers with bad credit can be eligible to get loans. Online banks, credit unions, nonprofits, and payday lenders all exist. In times of need, it is possible to obtain funds from pawnshops, cash-checking stores, and title loan companies; however, there are risks associated with doing so. Loans for borrowers with no credit can also provide financial assistance to families that have faced difficulties in the past.

There are no-interest loans available as well. The funds will eventually need to be paid back, however, the interest rate will be zero and other fees are frequently waived. 

How can I reduce my bills?

In order to reduce your electric or gas bills, you can look into the following energy conservation options for assistance:

• By providing comprehensive home energy conservation services, the Low-Income Weatherization Assistance Program (WAP) assists low-income households in reducing their heating bills. Go to the WAP website for more details.
• The Heating Emergency Assistance Retrofit Task Weatherization Assistance Program (HEARTWAP) provides low-income households with services for their heating systems, such as maintenance and repairs. Visit the HEARTWAP website for additional details.
• The utility-run energy efficiency program Mass Save is run by the Department of Energy Resources and the DPU and is funded by ratepayers. This program offers incentives to residential and business clients for energy efficiency measures. If you want to know what’s available in your area, go to the Mass Save website. A free home energy assessment that identifies energy-saving measures for your home is one of the services offered. To begin developing an energy profile for your home, you can use the Online Home Energy Assessment.

Alternative Ways To Pay Your bills 

Keeping up with your monthly bills is rarely simple, particularly for families shuffling debt payments, household bills, and the everyday expenses of raising a family. Regardless of whether you have a budget and stick to it, you might in any case be left panicking when an unexpected bill or cost springs up to threaten your fragile financial balance.

In the event that you’re searching for help taking care of bills at the present time or stressed over another bill not too far off, these five ideas might hold you back from falling behind on payments or harming your credit.

Sell Items for Cash Online

Make a list of little items you can sell for money through an online classifieds listing or on social media platforms. Items that you should be able to sell quickly are:

• Electronics
• Gently used clothing
• Kitchen appliances
• Sports equipment

Hold A Yard Sale

In the event that selling items online doesn’t appeal to you, you could sort out a garage or a yard deal to bring in money quickly by selling a few things at once. Before starting your yard sale, make sure you check your city’s by-laws to see if you need one. After that, gather your unwanted items, price them, and put an advertisement on signs in your neighborhood.

Reach out to Regional or specialized charities

These charities can provide emergency assistance for paying bills, food, rent and that provide support for other basic needs.  

Seek help from Attorneys from non-profit law firms 

They can provide free legal assistance or consultations to very low-income families and senior citizens. Find free lawyers for low-income households and get data on free legal advice.

Conclusion

Get financial help to pay your bills. Government programs offer a variety of ways to pay your bills, so it’s important to apply and get the most out of the assistance. Apply for financial help promptly, use financial help to save money, and be sure to follow up with your application!