Mortgage help and foreclosure assistance
If you need housing assistance, such as rent help, free mortgage help or foreclosure prevention counseling, read how the federal government as well as lenders are offering support. Bank of America, Citigroup, Wells Fargo, JP Morgan Chase, state governments, and many others are providing mortgage help along with foreclosure prevention services to millions of struggling homeowners.
It is offered in an effort to help them keep their homes and stop a foreclosure from occurring. Many states also operate local government mortgage assistance programs, offer foreclosure mediation, and provide grants to help homeowners with paying their mortgages. All of the financial help or mediation services will help prevent or stop the foreclosure process on a home.
An estimated 15% of the population is considered to be “food insecure”. This includes many children, senior citizens, and disabled among others. Luckily there are many places to turn to for free food or hot meals. There are pantries, programs for lower income senior citizens such as Meals on Wheels, and charities that focus on helping children. The organizations will offer assistance in an emergency and also direct the client to longer term benefits. Find a detailed listing of food pantries as well as government assistance.
Medical and dental care assistance
With the increasing cost of medical bills, prescription drugs, and even dental care, it can be very difficult to keep up with these costs. While there are some assistance programs for families living in poverty (such as Medicaid), many middle class families struggle. There are resources that can help reduce, or even provide free medical care. Resources range from discount cards to affordable clinics, charity care, and much more.
Each program is different. They can cover a portion of health insurance premiums. There are dozens of resources that help pay for, or provide discounts on, prescription drugs. Patients can also use third parties, such as medical billing advocates, to help ensure they are receiving the most competitive price on their care. Many other options are available as well, and find affordable or free medical care.
Many government programs, community action agencies, charities, and local non-profit agencies provide housing and short term rent help. The support provided to tenants also involves stabilization services to help the family keep their current home or apartment. Funds can pay back rent, security deposits, and help renters avoid an eviction. Learn more on rental assistance.
Energy and utility bills
There are several government programs as well as resources offered by utility companies or charities that can help individuals pay their utility costs. There may be payment plans or money for heating or other energy bills. Qualified individuals may even be able to get free weatherization improvements to their homes to help them reduce the amount they need to pay on their monthly bills. Read more on energy assistance programs that are administered by your local utility company.
Or find a more extensive listing of government, non-profit, charity and local utility electric bill assistance programs. There are many resources available. Priority is often given to a household with a child, disabled member, or elderly resident. Options to save money on energy bills or to prevent a disconnection can include weatherization, cash grants, and various low income assistance programs.
Millions of individuals go onto either short or long term disability. A health care crisis can impact many otherwise hard-working people, including veterans, seniors, or individuals that have always been fully employed. The amount of cash assistance available from SSI, an employer, or a state government is often very minimal. There is often a need for further financial help.
Whether the disability is physical or mental, there are a number of programs that provide financial assistance. Using a combination of loans as well as grants, there is help for transportation needs, including cars or free rides. The disabled can also get low cost medications, assistance paying for utility or medical bills, food, and housing. These additional resources will be in addition to any SSI benefits. Many government and non-profits offer disability help as well as referrals.
Free assistance for seasonal living expenses
There are many organizations that offer free items year round. What may be provided to a low income family or someone living on a fixed income (such as a senior citizen or individual with a disability) will change throughout the year. Some government agencies will offer money for paying bills, transportation costs or housing needs and other charities help by offering free household stuff, such as furniture, to the needy. Some of the support is financial in nature and other charities may offer material goods. Find how to get stuff for free.
Low income households with children often struggle to buy their children the school supplies they need or Christmas gifts for the holidays. It can be challenging to add this expense to other seasonal bills that families may already be faced with paying, such as escalating heating costs or additional food. Many charity and non-profit organizations want kids to experience holiday joy, so they provide free Christmas gifts.
In addition to those resources, families can turn to the regional holiday meal and localized free toy programs. There will tend to be assistance given to children, infants, and teenagers from low income households or whose parents are in a financial crisis. Applicants can be given free Christmas gifts, presents, food, and more. Find programs that may offer help for the holidays.
There are a variety of grant programs that operate year round. Some provide financial help while others just offer the material goods that a family needs. The funding will come and go, but based on the agency, there may be grants to pay for expenses ranging from energy bills to transportation, rent or housing costs, medical needs, and much more. Some of these programs also provide free supplies to the applicant, and examples of those may be household goods, furniture, and more. Find information on grants to help pay bills.
Free legal assistance
Attorneys from non-profit law firms can provide legal assistance. This service is for very low income families as well as senior citizens. The advice from a lawyer can help prevent evictions and they offer free foreclosure prevention assistance. There is also representation for civil problems, free advice on mortgage delinquency solutions, and legal help for utility service disconnections. Information on free legal advice.
Challenge your property taxes
With all too many homeowners continuing to fall behind on their mortgages, one additional expense that is often difficult to pay is the annual real estate tax expense. If left unpaid, this too can lead to a foreclosure. You can contest your property tax assessment to lower your annual bill. The success rate of doing this is very high due to the regulations in place in many local housing markets. Find how to reduce your property taxes.
Payday loans, peer to peer lending, and low interest Credit Union loans
Learn the truth about the various loan types, including the pros and cons to them. There may be some limited situations in which borrowing money can be a great option to provide you short term help with paying bills. Read more on payday loans.
If you are saying to yourself “I need help”, then the information you find here will provide you the resources and information you need. There are many charities as well as government resources that offer assistance with paying bills, debt, mortgage help, and more.
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