Programs & Service Options for Paying Bills
There are many things that can happen in life which can have a negative effect on your finances. You may have lost your job; had a relationship or marriage break down or had an accident which prevents you from working. These types of unexpected circumstances can have an adverse effect on your cash flow requiring some assistance.
While these events may be beyond your control, they can lead to financial difficulty which can snowball out of control if not addressed early. Whatever your situation may be, there are numerous services and assistance programs to help you in your time of need.
Oftentimes people feel ashamed or embarrassed about asking for help or applying for assistance. These types of feelings won’t fix the problem, accepting the situation and taking action is how you avoid a worst situation and move ahead. If you need help paying bills, there are numerous programs and services available to you.
Below is a list of programs and services to help with utility bills, rent/mortgage, medical bills, debt and more.
Utility bills – Electricity, gas, water and phone bills can be difficult to plan for as they are based on usage. If you are finding it difficult to keep up with these bills there are numerous things you can do.
Medical & Health Assistance – If you are having difficulties with your medical bills, there are many options available to help reduce or eliminate some of these costs. Assistance can include large discounts on prescriptions, medical debt settlement, grants & benefits to reduce or cover bills and more.
Mortgage & Rental Help – There are a range of living assistance programs to help with rent, mortgage repayments and foreclosure assistance. If you are currently dealing with housing issues or feel that you may be shortly, get details on assistance programs from one of the following links.
Rental Help – Mortgage Help – Foreclosure Help
Debt Help – If you have unsecured debts that are becoming unmanageable, there are a range of things you can do to regain control of your finances. Read on to learn about simple tactics such as budgeting, debt snowballing and informal agreements to more complex actions such as professional help and who to reach out to for assistance.
Help Paying Fines – If you struggling to pay a fine(s) there are a handful of options you can utilize to ease the payment terms or possibly have the fine reduced or overturned.
Tax Debt Help – Learn about the five different ways to address tax debt. Get the details on how each of these options work to see which is most appropriate for your circumstances. In addition, see who can assist you if you are unsure of which solution to use.
Non-Profit Help - A great option for financial assistance including help with paying bills is that from non-profit organizations. They typically have multiple services under one roof and have extensive contacts which cover most situations in regards to finance or other personal situations.
Immediate help if you need help paying bills
There are certain circumstances that require immediate or quick assistance. Fortunately, there are numerous national and local organizations available to help. Knowing what assistance is available and where to go can be difficult for those dealing with financial hardship for the first time.
Assistance will vary from state to state and city to city, however, there is some form of help in most locations. Some important financial assistance organizations with large networks include: Community Action Agencies, churches, charities and financial counsellors.
These organizations will be able to provide direct assistance or put you in contact with other local providers in your location or close to it.