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About Needhelppayingbills.

Needhelppayingbills is an organization that provides people a place to get information on assistance programs. We also provide general financial advice around budgeting, saving, investing, and other financial self-sufficiency topics.

The company is made up of both full time employees as well as contractors, almost all of the staff have experience in volunteering and/or working at organizations that help the less fortunate. Our CEO, Jon McNamara has over 10 years experience in assisting low to moderate income families. He started the company, including NHPB LLC, back in 1998. Jon and his team are also involved in other businesses.

Since then we have been providing services to hundreds of thousands of families through our website. He also has an extensive background in finance and budgeting and he stresses living within your means.

We also have staff with multiple years of experience at that help is develop and improve the site on an ongoing basis as well as contribute content. All content is reviewed by our CEO. Almost all of contractors have worked for charity organizations and/or non-profits or have volunteered at some point in their life, including Saint Vincent de Paul, the United Way, and other local charities.

The organizations listed on the website offer a number of services, including phone numbers, addresses, and we note the type of help they provide. We have information on thousands of non-profit agencies, government and public assistance programs as well as charity organizations. We also have information on financial services offered directly to consumers from private companies such as utility companies and credit counselors.

Millions of Americans are struggling, and many of them are facing financial difficulties for the first time in their lives. They are trying to make the almost impossible decision every month over whether they should pay their rent, utilities, mortgage, or buy a needed prescription. Many people are facing evictions, foreclosure, bankruptcy, or are close to having their utilities disconnected.




The information you find on Needhelppayingbills, all of which is of course free, may be able to help you and your family make it through a difficult period. Learn about financial assistance programs such as LIHEAP, section 8, or eviction prevention. A number of services are also available that can help people gain longer term self-sufficiency through job training or other employment services.

Most of the organizations and programs listed have limited funding. Many resources will also have qualifications that need to be met, or an application that may need to be completed. Unfortunately not everyone will be able to qualify for help. Since funding is limited, even if you do qualify for a program, there may not be any funds available. Also any financial assistance provided will tend to be only for a portion of your bills and expenses, as most non-profit agencies will only contribute partial funding.


No, we could not develop or maintain this site without the support of many others. We work closely with national charities, including the Salvation Army, Catholic Charities, and various community action agencies. We also partner closely with hundreds of local charities, churches, non-profits, and even “for-profit” companies (such as utility providers) in an effort to help as many low income families as possible. Another partner is our international operation,

We also have information on medical services, free community clinics, and specialized programs for low income families. To ensure this information is accurate and screen, works with these groups. Some of the partners include:

We also have a number of other medical and health care partners we work with.

Additional contact information

We also have created a blog. This is where people can find timely news stories, articles, as well as get additional tips and commentary on a many of topics. Learn about money saving tips, find reviews of assistance programs, and get other support. Read the official needhelppayingbills blog.





We do not sell or offer any services ourselves to consumers. We only partner with government programs, non-profits, utility companies, churches, charities and other organizations in an effort to provide information on assistance programs that are available both nationally and locally. While we do have some advertising, and use google analytics, all information is confidential. Learn more on our privacy policy.

For more details, find our contact information.

Explore the countless programs listed on our site in order to get help in your time of need. Please email us and we will do our best to reply to all requests for further information. Be sure to include your state. We can provide you with further services and support.


By Jon McNamara

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