St. Charles County Missouri assistance programs.

Whether it is grants to help pay utility bills or rent or another bill, find how to apply for financial assistance and free items in St. Charles County. The leading churches, charities, and non-profits that help the struggling as well as low income families are listed below. There are bill paying programs as well as free clothes, food, medical or dental clinics, and much more.

Free health care

Volunteers in Medicine is a medical clinic that is located in the basement of the St. Charles Salvation Army and it provides free or heavily discounted medical care to those in need of help. Demand for this clinic, which will help and treat low-income adults who do not have health insurance insurance, is rapidly increasing. The number of appointments and people who have been helped is up by 30 percent this year. Volunteers in Medicine will treat children and adults to free health care who have no insurance and an income that is classifies the family as low-middle income. (636) 724-4848.

Rent and mortgage assistance

Sts. Joachim and Ann Care Service, which can be reached at 636-441-1302, has long been in the business of providing housing assistance. The agency will distribute over $100,000 annually to help pay for rent and also provide mortgage assistance in order to help keep people in their homes, as it was determined that doing this is cheaper than helping them get off the streets if they are homeless.




Sts. Joachim and Ann Care Service Emergency Housing Retention program

This is yet another resource offered to low and moderate income people. The EHR program provides assistance and grants to help pay for temporary emergency transitional housing, mortgage or rental assistance. Not only that, as funds allow, the program will even provide free cash grants for paying utility or heating bills.

Emergency home repairs are also provided. This can be for a furnace during the winter months as well. This assistance falls under EHR through the Repairing Homes, Restoring Hope Program. The phone number is 636-441-1302. Find additional ways to get mortgage help. Click here.





Housing, utilities and rent help

Federal government stimulus dollars are flowing to two nonprofit organizations in St. Louis to provide help for fighting homelessness in St. Charles County.

The two groups including Sts. Joachim and Ann Care Service will receive $319,000, and the North East Community Action Corporation (NECAC) will receive $150,000.

NECAC is based in Bowling Green, but has offices in 12 counties, including one in O'Fallon. This organization will focus more on stopping evictions and homelessness prevention while the care service focuses on rapid rehousing. People can request NECAC assistance by calling Lisa Pittman at 636-272-3477.

Both organizations, including Sts. Joachim and Ann Care Service, will use some of the funds to pay for rent and utility bill assistance. In addition, NECAC will use some money for motel lodging. The care service will allocate funds toward long-term case management and self-sufficiency programs.

In addition to the programs above, Sts. Joachim and Ann Care Service provides many other resources in St. Charles County Missouri. They offer transportation, utility as well as heating bill help, Care Service Child and Family Development, and financial aid. They also offer a number of housing solutions, ranging from shelter to homeless prevention. Find more details on assistance from Sts. Joachim and Ann Care Service.

The Salvation Army has two main locations in St. Charles County. They administer a program known as  Emergency Social Services. This resource can help individuals and families who are facing a crisis situation. For example, people who have had a reduction in hours at work, medical emergency, or an unexpected job loss may qualify for financial assistance for paying bills, rent, housing and more.

Specifically some of the services provided to eligible individuals includes funds to pay rent, heating and electric bills, prescription medications, and other basic needs. Most residents, regardless of their income or background, may also be able to get free food, Thanksgiving and Christmas meals and gifts, clothing, access to a thrift store, and more. The locations are 2140 North 4th Street in St. Charles ((636) 946-7966) and 100 North Jefferson Avenue, call (314) 881-6000, or read more St. Charles Salvation Army resources.




Legal Services of Eastern Missouri - The poor and less fortunate can get help with a wide number of needs and issues. Lawyers assist with civil family matters and offer free foreclosure counseling. Other services include advice for stopping evictions and support for resolving unsafe housing or security deposit disputes with landlords. St. Charles County families with large amounts of debt can also get advice on reducing it or dealing with collectors. Read free legal aid eastern Missouri.

Catholic Charities Community Services St. Charles Area Center – The non-profit charity provides rent, mortgage and utility bill assistance. For emergency rental assistance, callers must contact the agency to be referred to local church in their area. Also, any recipients of financial assistance need to attend an educational seminar on budgeting and resource management. 255 Spencer Road Unit 202, Saint Peters, Missouri 63376, (636) 498-2273. Click here for details.

Saint Charles County Operation Food Search - Working poor and low income families can receive free or low cost food from the non-profit or its partners. They offer backpacks full of snacks and meals to children, applications to SNAP food stamps, help for senior citizens, and lists of pantries in the region, including their hours and days of operation. Locate food programs from Operation Search.

St. Charles County Society of St. Vincent de Paul is a charity organization made up of local churches and conferences. The agency provides a number of referrals and other support to residents that are struggling, unemployed, or who meet low income status. Countless services and assistance programs are offered.

If you are faced with a shut off of your heat or utility service, then St. Vincent can help people sign up for energy bill programs such as Heat Up/Cool Down St. Louis. Car repairs may be offered for people seeking employment. If you are currently homeless, or facing eviction, then emergency rent assistance may be offered as well as assistance in finding and paying for a new home in the Saint Charles region. Other resources include medications, free legal aid, meals, and more. Read more.

Jewish Services - Some resources are available for the Saint Charles County and greater St. Louis area. The agency may have loans or funds for short term expenses such as rent, a food pantry, and in home care (often for a fee) for the elderly. Other resources are coordinated as well, some of which are offered regardless of faith. Read Jewish Services St. Charles region.





Free foreclosure prevention counseling

The local community action agency, North East Community Action Corporation (NECAC) (phone number (573) 324-2231) employs multiple counselors that offer individual foreclosure counseling and mortgage assistance programs that will aid homeowners in resolving their foreclosures. The counselors will work with banks and lenders to negotiate new loan terms that are acceptable to all parties. In addition, the NECAC agency also works closely with each family in financial and credit counseling, and provides debt help, to help prevent future problems of the homeowner. Find additional mortgage assistance programs.

St. Charles County resources that provide assistance programs across Missouri

Low income families, seniors, and disabled residents can apply to some of the regional programs as well. When funding allows, there may be financial aid for bills or rent, free medical care, food, and other support in Saint Charles County.

Home repairs, improvements, and Weatherization programs

Additional housing programs that are offered by North East Community Action Corporation (NECAC) (the contact information is immediately above) include home repairs and weatherization. Weatherization will help the homeowner lower their energy bills by installing free energy conserving upgrades. Home repairs will ensure a home is safe to live in, and that all housing standards are met. A variety of funding sources are tapped to provide home repairs and improvements.

St. Charles Missouri food and non-financial assistance

The county is served by a number of churches, charities, and food pantries that provide food and much more. Most of the services offered by these locations is non-financial, meaning they rarely, if ever, have money to pay bills or basic needs. Instead individuals can receive groceries, meals, shelter, clothing, case management, and similar services.

Some of the leading organizations to call are below. However there are other food assistance programs and pantries for low income families to use. Or you can find additional food banks in St. Charles.

  • Loaves And Fishes, Inc. - Offers hot and cold meals, groceries, and more. The pantry is supported by local donations. 520 North Benton, 314-291-3857
  • Hope Ministries Food Pantry - Ongoing food, and special holiday meals may be offered. (636) 272-3080
  • Immaculate Conception - In addition to food, may have clothing, personal products, and referrals for the needy. 636-561-6611



By Jon McNamara

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