Help with bills Memphis and Shelby County Tennessee.
Find how to get financial help from charities, churches, Memphis DHS and other organizations in Shelby County. Get money to help with utility bills, rent or a mortgage. There are also grants or free vouchers to help with other basic needs in the Memphis region, whether someone needs transportation or other support. Learn where to get financial help near you in the Shelby County TN area.
Low-income families will get other help too. There are places in Shelby County that give out free stuff too, including free medical or dental care, government grant money, clothes, and more. Various groups are committed to providing immediate financial assistance as well as helping as many low income people as possible with their needs the that live in the Memphis TN region.
Emergency financial assistance for bills, basic needs and more in Memphis area
The Shelby County Community Services Agency offers both short term relief for immediate bills and also provides tools to help people over the long term. The agency coordinates social services with local non-profit organizations. They are in effect the Shelby County and city of Memphis community action agency.
- The non-profit works with, and gives referrals too, both federal and state of Tennessee government program. This includes SNAP food stamps for low-income families in Memphis, Families First / TANF, and more.
- Among other programs offered by the agency include help for utility and summer cooling bills as well as winter heating bills. To give an example of the size of the operation, every year the community service agency helps thousands of people with paying utility bills.
- There is also free energy saving weatherization programs as well as minor home repairs, including to fix or replace the windows on a home. Locate free window programs.
- Free food assistance is available from Shelby County Community Action. This includes free groceries, baby formula, meals for the homeless and other support.
- The agency will help people apply for programs such as the TN Lifeline program. This will help the low-income pay their phone bills or even get a free smartphone, including Apple iPhone. Find details on a free iPhone from government programs.
Call the Shelby County Community Services Agency at (901)-222-4200 to apply for help or learn more.
The Salvation Army runs several assistance programs for families in need of help. The non-profit agency provides information on licensed child care, an on site food pantry and even disaster assistance. In addition, they can help homeless women and their children through the operation of various shelters in the Memphis area and they also provide counseling as well as supportive services. Children can get free school supplies as well as Christmas gifts or toys, including from the Memphis Adopt a Family program.
- However, the hotline is where tenants should call for rent help or eviction prevention assistance. There may also be grants for paying utility or air conditioning bills. Single moms, senior citizens over the age of 55 or 60, and the disabled are among the people that often get emergency financial help.
Call the Salvation Army at (901) 543-8586 or (901) 415-2790 for housing or other emergency help in Memphis TN. Or click here for more information on Salvation Army Shelby County assistance programs.
MidSouth Hope Garage (MHG) takes donated vehicles from the community and then give them, for free, to low-income families as well as single moms in Memphis as well as Shelby County. The trucks, cars, SUVs, etc are fixed up and repaired before a qualified applicant gets it. Of course are resources are limited, but there are free cars in TN for qualified people. Call 901-686-2679.
- Other free car programs are available, locally and nationally. Some dealerships giveaway vehicles to the low-income or single moms for work or school, or there are chary programs too. Or used car lots have some, and look here for how to get a free car from a dealership.
Free items are given away in Shelby County to struggling people. While a focus is on low-income families, others may be able to get help when facing a crisis. Everything from food to gas vouchers, a car for a job, clothes for school or work and much more more is available with details on free personal or household stuff in Shelby County.
Another Shelby County resource is United Methodist Neighborhood Centers of Memphis. This center offers social service programs and financial help. They also provide low-income families free stuff including diapers, emergency food or free furniture. There may also be grants or funds for rent/utilities, free clothing, as well as free holiday food baskets.
- Or get household products, Christmas toys and disaster relief. The charity also provides child care assistance, emergency transportation for senior citizens and other aid. The non-profit facility can be contacted at (901) 323-4993. The address is 3000 Walnut Grove Rd, Memphis, TN 38111.
Neighborhood Christian Center (phone number (901) 881-6013) provides Shelby County and Memphis Tennessee residents with utility bill help as well as rent relief programs. The financial help is available in the form of money raised from donations, or there may be grants, but all funds will be limited and is focused on solving a short term emergency. There may be grant funding for medical bills too. The charity is based at 223 Scott St, Memphis, TN 38112.
- The churches are part of Compassionate Ministries. They also offer many other services, such as free Christmas help from Adopt-A-Family or assistance for females and single parents from Women Empowered to Succeed. Other programs from NCC include a food bank for groceries, free clothing for kids or adults and a Baby Store for diapers, free car seats or formula. Click more information Neighborhood Christian Centers.
 Millington Crisis Center Ministry offers financial resources such as money for gas or free vouchers for RX in Shelby County. Or get free used clothing, school supplies and furniture. There are also groceries or low-income families will get help with rent and utility assistance. Other programs include free food, budgeting seminars, debt counseling and referrals. Call (901) 872-4357, or the address is 8133 Wilkinsville Rd, Millington, TN 38053.
Society of St Vincent DePaul has multiple parishes in Shelby County. Churches work together to help those in need. Funding is limited. Apply for money to help pay housing costs, including an electric bill or back rent. SVDP will also have emergency financial assistance. Free Food, grocery boxes, Ensure for seniors, and clothing may also be available. Several different Catholic Churches participate. The main site is at 1306 Monroe Ave, Memphis, TN 38104. Call (901) 722-4703, or read Memphis St. Vincent emergency assistance.
Memphis Crisis centers has a Non-profit Referral Program. The low income, single moms or dads in Memphis TN, including migrant or seasonal farm workers can get help with rent or utilities. Other referrals are for clinics, discounted prescriptions, or food, including for the holidays. Memphis and Shelby families can also learn about government programs such as Head Start for children or SSI financial assistance disability applications. Dial 901-415-2790 for referrals.
Good Neighbor Love Center provides help to residents of West Memphis TN as well as parts of western Shelby County. While the charity is based in AR (across the border) programs range from a food pantry with groceries to free personal stuff and limited utility help. But referrals are needed to use the Good Neighbor Center programs - find more information on Good Neighbor Love Center programs in West Memphis.
City of Bartlett Family Assistance Commission is for local residents. On a once-a-month basis, the government provides struggling residents with help. There will be free grant money as a form of non-emergency financial assistance for energy bills, rent, mortgage, and occasional home repair. Must submit an application with income verification for all members of the household and income guidelines must be met.
- A home visit will be conducted. A vote of the commission needs to occur. This assistance is for residents inside of the Bartlett City Limits only. Zip code is not a determining factor. Location is 6400 Stage Rd, Bartlett, TN 38134, call (901) 385-6449.
While never ideal, there are no credit lenders and loan programs in Shelby County. More information on them, as well as other options for financial assistance, is offered. Get details on how to borrow, even including short term payday loans.
- Cash loans in Shelby County - Dozens of lenders provide money for paying bills. Any loan will normally be less than $1000, but the funds can help pay for food, housing (both rent and mortgages), emergency medical needs or prescriptions, and much more. Both non-profits and private companies offer funds. More on emergency loans in Memphis.
The Shelby County Ryan White Part A Program is only for patients with HIV / AIDs. They may receive free dental care, prescription medications or money for treatment. There are also free home delivered meals, medical care, and emergency financial assistance, among other services. One time funds can be used to pay for rent, food, transportation or a utility bill. Address is 1075 Mullins Station Rd, Memphis, Tennessee 38134, call (901) 222-8277.
LINC 211 of Memphis TN is a free service that helps anyone in need find local resources. The formal name of the service is the Library Information Center at the Memphis Public Library - however it is an online resource. Anyone in Shelby County can use it to find basic needs (utility or rent help, free transportation, housing, etc). There is also information on health care, income and employment resources, government benefits and more with details here https://team211.communityos.org/linc211memphis.
South Memphis Community Office – This office provides referrals and assistance with MLGW utility bills only. Learn about payment plans, free government grant money and programs to stop a shut off. Address: 2935 Lamar Ave, Memphis, TN 38114. Phone: (901) 528-4011, or look here for other ways to get help with MLGW.
Renter assistance programs and security deposit funds are offered. In addition to the regional Memphis and housing programs listed on this page, a number of other churches, charities, and not-for profits offer rent help, assistance with security deposits, and they operate across the city and Shelby County. All told thousands of people receive assistance every year and are able to remain in their homes and apartments. Read more on Memphis rental assistance.
- Shelby County TN area transitional and low income housing - A couple dozen agencies in the region offer everything from very short term homeless shelters to multi-month transitional housing type programs. These non-profits provide a valuable service to the working poor and low income. Families or individuals that use these resources can access meals, employment assistance, and importantly, help in finding a new home or apartment in Memphis or the county. More on Shelby County shelters and short term housing.
Aging Commission of the Mid-south AAAD focus on meeting the needs of senior citizens, the homebound, and elderly, including people over the age of 60. Numerous assistance programs and advice is provided to residents. They include everything from home delivered and free congregate meals to information on medications from government programs such as Medicare.
- There is also details on free government money for seniors on social security. Information on affordable, subsidized senior homes or respite care is available for older Shelby County residents. Location is 2670 Union Avenue Extended, Memphis, TN 38112-4416. Call 901-222-4111, or learn more on Tennessee Aging on Aging.
Navy - Marine Corps Relief Society covers Shelby County too. Active duty personnel and their families may qualify for a grant to pay bills. Or the Millington Tennessee government organization may offer applicants interest free loans. The funds can pay for rent, energy bills, medications, travel, or security deposits. Budgeting counseling and case management is offered. Call (901) 874-7350.
Second Step Family Crisis Center offers both pro-active eviction prevention and help to the homeless as part of Joy House Transitional Housing. Homeowners can also learn about mortgage assistance. They also offer job placement and readiness programs. Low income families in Shelby County can also get assistance in locating a new, affordable apartment and help in applying for security deposit fee or first months rental assistance. Address is 196 Washington St, Ripley, TN 38063. Dial (731) 635-2138
Memphis Rescue Mission - Wright Transitional House offers various social services. The charity runs emergency shelter for single parents, domestic violence, and others. Free food, meals, a clothes closet and other housing support is offered too in Shelby County. 383 Poplar Ave, Memphis, TN 38105, Telephone (901) 526-8403
Shelby County Department of Human Services (DHS) has several local offices. The centers offer information on, and applications to, public benefits. They range from Child Care Services, Families First to food stamps and information on public housing, among other options. There is temporary cash assistance (TANF) along with elder care, Medicaid applications and other benefit programs.
- The indigent, uninsured, poor and others can get burial or cremation help. The Department of Human Services or CSA will try to offer referrals to this. Everything from a casket to the service may be covered, and find burial assistance for the uninsured.
- Monthly water bills - Seniors, unemployed, disabled, and families with an unexpected financial hardship may qualify for help with paying water bills in Shelby County Tennessee. A program known as Plus - 1 is the primary resource available. Read more on Memphis water bill assistance.
DHS has other benefit programs and social services in the region, including for single parents and the unemployed. More on public aid Shelby County.
Friends For Life helps the disabled. The non-profit administers the Tenant-Based Rental Assistance program. They can provide help to qualified children living with HIV/AIDS. They may be able to qualify for up to three years of assistance through subsidized housing vouchers and other government support. Or get information on health care or homecare programs in Memphis. Location is 43 N Cleveland, Memphis, TN 38104. Call (901) 272-0855.
The United Way also helps people find additional Shelby County programs for low-income families. The regional non-profit runs some of their own services, such as income tax prep help. They also partner with non-profits, local charities and groups help the poor or people facing a crisis. Whether a grant to pay bills, free rides to work or a medical appointment, or some other support, the Memphis United Way has a referral service. The call center is at (901) 433-4300. Call the non-profit to find other local assistance programs too.
- Driving The Dream is also part of the United Way of the Mid-Sough. This program, based on funding, combines help with utility bills (mostly Memphis Light, Gas and Water) with mandatory case management. Other financial resources may be offered too and dial 844-444-4211
Buffalo Valley Inc. can help homeowners and tenants in Shelby County with housing problems. Everything from emergency shelter to transitional housing and grants are used by the non-profit. They also help veterans (as part of Patriot Place) as well as single parents with their needs. Learn about low income apartments and other options for the low income in the Memphis region. Click here Buffalo Valley Inc.
Local churches offer support. Many are listed above, but there are others that operate a Prescription Drug Repository or that coordinate ESL classes for immigrants. Other assistance in Shelby County may include Career Link for finding a job, gasoline vouchers, money for bills, free food pantries, and furniture or clothing. Find help from Memphis churches.
Memphis - Shelby County Emergency Housing Hotline will support mostly families with children. The service can refer qualified callers to everything from local shelters to eviction prevention or sources of funds for one time rent help. Other programs include foreclosure counseling, landlord-tenant mediation, and more. Continue with housing hotline in Shelby County.
- Homeless people can get free motels or hotels, both from charities or government vouchers. The hotline has referrals to hotel vouchers, places to stay and other options. Locate hotels for homeless.
Memphis based Metropolitan Inter-Faith Association (MIFA) provides struggling, low income renters and homeowners with emergency rent or mortgage payment assistance. The non-profit offers many other services in Shelby County as well. They range from free scholarships for students and adults from COOL to Meals on Wheels for senior citizens, the MIFA senior companion and home care program, food, and much more. Call (901) 527-0208. Read more on Metropolitan Inter-Faith Association assistance programs.
United Housing Inc helps people with debt, mortgage payments and other bills - even including information on government rent relief programs in Shelby County. The organization, which is partly funded by the United Way, offers Loss Mitigation and Foreclosure Counseling to help homeowners that are struggling.
- They also help Memphis TN families with consumer debt, including credit cards, payday loans or car payments. Free money management and budgeting workshops are held too. The non-profit is at 2750 Colony Park Dr, Memphis, TN 38118. Or call (901) 272-1122. Or learn more on what a car note refining is.
Other state of TN mortgage relief programs are available too. There is free housing counseling services for low-income families, first time homebuyers, and people with no money. Find other Tennessee foreclosure prevention programs.
RISE Foundation is a non-profit. The address is 1355 Lynnfield Rd, Memphis, TN 38119. Low-income families can work with free or income based mortgage and debt counselors. They can negotiate with your mortgage servicer, credit card company, or other creditors. Learn more on credit card hardship programs. Phone: (901) 507-6644
Memphis is supported by several other not for profit organizations. Clients can receive free counseling on a number of matters, including mortgage delinquency, budgeting, and methods for dealing with payday loans and credit card debts. Or get car loan help as well as information on paying for impounds. Click here for more details on all of the free credit counseling services administered in Memphis.
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