If you need help with paying debt, including credit cards, car loans and medical debt.
Also look here for the main NHPB site and programs that help reduce debt.
Nia Naccidd wrote: ↑Sat Sep 27, 2025 10:55 am
Hi, I saw this email on your website. I'm looking and applying for assistance on my bills for the month of October. I've had some unexpected financial issues come up the last couple of days and money is already tight. My credit cards are also past due. I have a number of medical bills and trying to pay off some credit card debts.
I'm looking for some partial assistance on rent, to pay my credit card, food and/or for my energy bill.
Please let me know if there are resources I can reach out to or apply for.
Thanks
Hi, I saw this email on your website. I'm looking and applying for assistance on my bills for the month of October. I've had some unexpected financial issues come up the last couple of days and money is already tight. My credit cards are also past due. I have a number of medical bills and trying to pay off some credit card debts.
I'm looking for some partial assistance on rent, to pay my credit card, food and/or for my energy bill.
Please let me know if there are resources I can reach out to or apply for.
Thanks
I was told about your service today on TikTok and I would like to see if I qualify for debt relief. I have been out of work for a year due to a back injury.
I was living on money saved and credit cards and loans - now I have more debt. But I have no more financial resources. I am in risk for foreclosure and debt collections if I don’t get help ASAP. I am applying for work but I am not able to sit for longer than an hour due to my injury. I am having 4 more surgeries to hopefully help but that will be another few months.
I desperately need some help ASAP with my credit card and other bills. I have been current on all bills this far but I have no more resources.
If you could help me in any way or refer me to someone (even another TikToker) that may be able to I would be so thankful.
There are many ways to get help with credit cards and other debts, including settlement, payment plans, counseling and more. We suggest you look into all the options, and look here for settlement of unpaid debts.
You heard about what services? Credit card debt relief or ways to get help? If so, we have programs listed. But a tip - do not get life advice from TikTok or any social media platform. People are so odd where they get their so called "news" and advice from....the world is a scary place when people turn to nonsense type places like TikTok, conspiracy theories and more. Anyhow, for advice, look here for credit card payment assistance.
Hello,
I heard about the services on TikTok. I am reaching out with hopes to receiving some help with a few credit card payments. I am currently low income parent, working 20hrs a week, with a few expenses. My two Credit cards are for Capitol one for $200 and one for Self at $150. I know that seems small but after paying all my other expense I get into a cycle where I can only pay the minimum or if I am able to pay more I have to end up using it for things such as gas and or groceries when,.
just want to be able to pay those credit cards off and not worrying about it taking a hit on my credit for high utilization, as I am current working on my credit to refinance my car loan for a lower interest rate. I do currently work from home, including a heavy user of TikTok. My job requires me to have the highest internet speed so that is also costly. I would be so grateful to get some sort of help. Thank you.
Hello,
My name is Bettina Peterson, I live in Tabor City NC, 28463, Columbus County, single on a fixed income (SSDI).
I am in need of assistance with getting my car back in running order without putting the repairs on my credit card. t needs a catallyc converter, tires, rack and pinion. Credits cards are my last resort.
The vehicle that I was grateful for having the use of is now going to be unavailable as of late January early February.
Is there any help for me? I am in desperate need. I will be without any transportation
To Whom It May Concern: We need several items but the credit card debt is holding us back - we want to eliminate that. But I'm not sure what to put in this email. Our furnace is from 1989, electric stove is from 1999, We have a cracked pitcher window, our refrigerator leaks water whenever it feels like it. My husband and myself are on social security/disability with credit card debt. If you could help us eliminate the credit card debt t would be greatly appreciated. Lisa
Good afternoon,
I hope this email finds you well. My name is Akeiba, a resident of Cobb county ad I am unemployed with lots of credit card debt. I have been at the address for 3 years and for the first time I am in need of financial assistance for rent and utilities and credit cards. I did some research and while googling I came across this email. As far as I know, I have until Friday to have all of my monies together. I am short 200 dollars due to my unemployment. I know that my request is last minute, but I have reached out to other centers and they either cannot assist me, not offering financial assistance, or have disconnected telephone numbers. I'm not sure if I have reached the best way to contact you for assistance.
If you are able to assist me I would greatly appreciate it.
Thank you for your time and consideration.
Kind regards,
Donnatell wrote: Credit cards are maxed and credit score is falling rapidly. I am trying my best to obtain a second job but am finding it difficult. Any assistance would be greatly appreciated.
That is a lot of debt and a decent mortgage payment for Saint Louis Park MN. But your income can easily pay that down and off. For advice, look here for free debt and mortgage counseling services in Minnesota. Many non-profits can assist.
Sinclair Li wrote:We are having a tough time making ends meet. We currently have a $27,000 credit card debt. Our mortgage is 1740 a month. Our combined income is about $125,000. We are falling behind on our bills.
Could we get some advice or set up a meeting? We live in Saint Louis park, Minnesota.
Good morning,
I spoke with a person on Tuesday regarding my credit card debt and she said she would email me the information that I need to get things going to resolve my credit card debt. I have NOT received an email from her, and what’s more, now that I have called and given her all of my personal information including my SS #. I can’t find a valid phone number for your company. PLEASE have her call me back so that we can figure out why I have not received the said email. Thank you.
Hi, I am contacting you because I am going to need your help. I live here in Saint Petersburg Florida. I am going to need help paying my credit card Debt. I am in Debt about $7,000. I know there are different programs, organizations, and charities.
I want to apply for a Free government grant. But I don't know where to start. I prefer to go in person to apply for the grant. Can you please help me find a place here near Saint Petersburg, largo, or Clearwater?
My friend was telling me about a place where I can go apply. And she told me that I Will get an answer in 10 days. But she doesn’t remember exactly where it is. Can you please help me as soon as possible? Thank you so very much.
There are national debt counseling agencies. So they will, by default, cover Sevier County too and be able to help with credit card bills. If you are getting paid a matter of days past the eviction, tell that to the landlord. As they would much rather keep a tenant there then need to remarket property, clean it up, etc. But as too your first question on debts, here are resources for [url=httlp://www.needhelppayingbills.com/html/credit_card_help.html]how to get credit card help[/url].
Sejkora wrote:I lost my job, but found another, but my family and I face an eviction notice on May 20th since I do not get paid for 3 weeks May 30. We have been struggling with food, gas, credit cards, etc on and off since I was downsized from another job almost 3 years ago, and we just can't seem to get ahead.
We have older vehicles which we have taken out loans to get fixed, and many medical bills on our credit cards due to one of our children having been sick for over a year. I am worried about housing and don't know where to turn, it doesn't seem like there are many places I can contact for debt counseling in Sevier County where we live. Any help would be so appreciated. Thank you.
Have temporarily gotten behind on all bills including rent. I’m behind 3 months on rent and am trying to take care of my partner who is HIV positive and may be facing cancer which we will find out in two weeks after the biopsy. He is unemployed and I only have one job of 32 hours a week. I could use some assistance to pull out of the debt I have occurred and get back on healthy track. Credit cards are maxed and credit score is falling rapidly. I am trying my best to obtain a second job but am finding it difficult. Any assistance would be greatly appreciated.
We are having a tough time making ends meet. We currently have a $27,000 credit card debt. Our mortgage is 1740 a month. Our combined income is about $125,000. We are falling behind on our bills.
Could we get some advice or set up a meeting? We live in Saint Louis park, Minnesota.
If you have a low income, and were a good customer of your credit card company in the past, ask them for a hardship plan. Maybe they can bring that $4000 down to a more manageable amount based on your income. You can try entering into a hardship plan on your own, or take to a credit counseling agency (which are non-profits) for information. http://www.needhelppayingbills.com/html ... d_com.html
Hi,
I'm trying to find credit counseling agency to help me with my credit cards payments because of my cut hours on the job. I'm not able to continue paying my credit card bills on time each month.
I would appreciate if you can send me to the right person who can advise me.
Thank you for your time, and have a great day.
I lost my job, but found another, but my family and I face an eviction notice on May 20th since I do not get paid for 3 weeks May 30. We have been struggling with food, gas, credit cards, etc on and off since I was downsized from another job almost 3 years ago, and we just can't seem to get ahead.
We have older vehicles which we have taken out loans to get fixed, and many medical bills on our credit cards due to one of our children having been sick for over a year. I am worried about housing and don't know where to turn, it doesn't seem like there are many places I can contact for debt counseling in Sevier County where we live. Any help would be so appreciated. Thank you.
Dear sir/ma’am,
I have read much of your site and am in need of some guidance.
I have approximately 10,000 debt on two CCs. It was accumulated about two years ago, that I am still struggling to pay off. Our income hasn’t changed in that time. Our bills haven't changed much. But I am struggling to make payments and to buy groceries. It is just myself and my husband. I have tried to minimize our outgoing bills, but have some needs, such as internet, as my husband has recently reenrolled in school to finish his Engineering BS degree. This has stretched our budget even further.
I would like very much to get away from the credit card debt as it is our biggest $$ suck, because of it I have a rolling balance of approx. $4-600 on our ‘emergency fund’. We are trying desperately to stay both solvent AND prevent our CCs from going delinquent – I do most of the finances, we are TRYING (and failing) to get our credit back on track after a period of struggling (laid off and unemployed for 2.5 years).
Your input/assistance and guidance is much appreciated.
