2013 bills, rent, and debts help: Start Consolidating:
Many people need help paying bills and debt in today’s challenging economy. Families need help so that they do not have to decide between paying their mortgage, credit card debt, food, rent, utility, or medical bills.
Find information on assistance programs, charity organizations, and other resources that will provide you with help paying your bills, mortgage and debt, show you how to save money, as well as provide some tips and ways to pay bills when money is tight. Many American families are struggling under an increasing number of expenses, debts, and financial obligations. When you and your family are experiencing this stress, you need to reevaluate the situation, set priorities, and look for assistance.
Find programs and ways to get help with paying bills, debts, and your monthly mortgage payment, including:
- Help with medical bills and access low cost health care centers and clinics.
- Free mortgage help and foreclosure prevention and counseling.
- Debt help and reduce credit card and medical debts.
- Grants and financial aid to help with electric bills and energy expenses.
- Help with taxes, including income and property.
- Lawyers provide pro-bono and free legal advice and aid.
Those are six of the primary expenses that consumers need help paying in today’s challenging economic environment. Or find an extensive list of how to get help and save on other bills, such as groceries, insurance and child care expenses to name a few. Also find free government grants and low income assistance programs.
Mortgage help and foreclosure assistance
If you need housing assistance, such as rent help, free mortgage help or foreclosure assistance, read how the federal government, Bank of America/Countrywide, Citigroup, Wells Fargo, JP Morgan Chase/Washington Mutual, state governments, and many others are providing mortgage help and foreclosure prevention to millions of struggling homeowners. It is offered in an effort to help them keep their homes and stop foreclosures. Many states also have government mortgage assistance programs, offer foreclosure mediation, and provide grants to help homeowners with their mortgages and to prevent or stop foreclosures.
Credit card help
Credit card companies are more willing to offer their customers debt help and assistance with paying credit card bills. Most companies offer numerous programs, including debt management plans, forbearance, hardship programs, and more. Last year, almost 3 million customers were signed up for these types of programs. They are willing to work with individuals as the credit card companies do not want to see their customers default. The reason being is in that case the credit card company will not receive any payments from you. Get more information on credit card help programs.
Credit card hardship programs
If you are one of the millions of consumers who are behind on their credit card bills or debt payments, and you need help getting out of debt, consider credit card hardship programs.
Many government programs, community action agencies, charities, and local non-profit agencies provide housing and rent help. Funds can pay back rent, security deposits, and help renters avoid an eviction. Learn more on rental assistance.
Debt settlement programs
Many banks and credit card companies are now offering assistance in the form of debt settlement programs. Most are free to join and have low monthly fees. Credit card settlement programs are a great way to save on interest expenses, waive fees, and reduce debts.
Energy and utility bills
There are several government programs as well as resources offered by utility companies that can help individuals pay their utility, heating, and energy bills. Qualified individuals may even be able to get free weatherization improvements to their homes to help them reduce the amount they need to pay on their monthly energy bills. Read more on energy assistance programs that are administered by your local utility company.
Or find a more extensive listing of government, non-profit, charity and local utility and electric bill assistance programs. Options to save money on energy bills or to prevent a disconnection can include weatherization, grants, and various low income assistance programs.
Stop debt collectors
There are steps you can take to either reduce or stop calls from debt collectors. They have certain laws and regulations they need to follow. Read more on how to get help from debt collectors, as well as learn about rights consumers have.
Help with medical and hospital bills
Find programs and resources available to you that can assist you with paying off hospital and medical bills and debts. Some options include medical bill settlement plans, government programs, medical billing advocates, and more.
Free legal assistance
Attorneys from non-profit law firms can provide legal assistance to help prevent evictions, provide free foreclosure prevention assistance, aid for civil legal problems, free advice on mortgage delinquency solutions, and legal help for utility service disconnections.
Challenge your property taxes
With people continuing to fall behind on their mortgages, and therefore causing housing prices to continue to decrease across the nation, you can contest your property tax assessment to lower your property tax bill. The success rate of doing this is very high due to the weak housing market. Find how to reduce your property taxes.
Payday Loans, Peer to Peer Lending, and low interest Credit Union loans
Learn the truth about the various loan types, including the negatives, and the situations in which they can be a great option to provide you help with paying bills. Check out payday loans.