Help with bills, mortgage, debts.

Many people need help paying bills and debt in today’s challenging economy. Families need help so that they do not have to decide between paying their mortgage, credit card debt, food, rent, utility, or medical bills.

Find information on assistance programs, charity organizations, and other resources that will provide you with help paying your bills, mortgage and debt expenses. Agencies will also show you how to save money as well as provide some tips and methods to pay bills when money is tight. Many American families are struggling under an increasing number of expenses, debts, and financial obligations. When you and your family are experiencing this stress, you need to reevaluate the situation, set priorities, and look for emergency assistance.

Find programs that offer a number of ways to get help with paying bills. Assistance is available for everything from debts to energy costs, free food, housing, and much more. Resources available that may help with these payments include:

Those are seven of the primary expenses that consumers need help paying in today’s challenging economic environment. Or find an extensive list of how to get help and save on other bills, such as groceries, insurance and child care expenses to name a few. Many of these services are also targeted at helping single parents as well as the vulnerable, such as elderly or disabled. Also find additional sources of free government grants and low income assistance programs.

Local assistance programs and services

Many states, counties, cities, and towns offer support to struggling households and administer financial help. Resources are listed below.

Select your state below to find a comprehensive listing of all financial assistance programs offered in that state. Based on various conditions, households can receive rental assistance, food, free medical care, and energy bill assistance among other resources.



























New Hampshire

New Jersey

New Mexico

New York

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Rhode Island

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Washington DC

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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.

Credit card help

Credit card companies are becoming more willing to offer their customers debt help. They are offering a number of plans that will provide those in a crisis assistance with paying credit card bills or eliminating the amount that is due. Some of the solutions are provided in partnership with non-profit counseling agencies.

Most companies offer numerous programs, including low cost debt management plans, forbearance, hardship programs, and more. Last year, almost 3 million customers were signed up for these types of programs. They are willing to work with individuals as the credit card companies do not want to see their customers default. The reason being is in that case the company will not receive any payments from you. So it benefits all parties when they offer assistance. Get more information on credit card help programs.

Credit card hardship programs

If you are one of the millions of consumers who are behind on their credit card bills or facing excessive monthly debt payments, there is relief. Many banks as well as lenders such as credit card companies are now offering assistance in the form of debt settlement programs to consumers that are facing a hardship.

Most are free to join and have low monthly fees that are due. If the applicant’s income is low enough, the costs to the customer may even be waived. For those households that need help getting out of debt, consider credit card hardship programs. They are a great way to save on interest expenses, get fees waived, and to reduce debts

Rent help

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.

Stop debt collectors

There are steps you can take to either reduce or stop calls from debt collectors. They have certain laws and regulations they need to follow. If they are not adhered too, then legal action can also be taken. Read more on how to get help from debt collectors, as well as learn about the legal rights that consumers have.





Assistance with seasonal living expenses

Low income households, including families headed by a single parent, often struggle to buy their children the back to school supplies or clothing they need for the upcoming year. Students need to have a number of items, including uniforms, clothing, computers, or other goods. There are assistance programs run by churches or charities that offer free school supplies to low to moderate income families that may not otherwise be able to afford them for their children.

Help with medical and hospital bills

Even with the roll out of the Affordable Care Act and more patients having relatively affordable insurance available to them, health care is still very expensive. Find programs and resources available to you that can assist with paying off hospital and medical bills or debts incurred from previous surgeries. Some options include settlement plans, enrollment into free government health insurance programs, medical billing advocates, and more. Click here for hospital bill assistance.

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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