How to Get Help To Pay Bills

Difficulty: Moderately Easy

Instructions

Step 1

Help to pay over due mortgages.

The fist thing to do if you need help to pay a mortgage is to try to contact the lender before your payment becomes overdue or at least within a reasonable amount of time. If the mortgage lenders are given a heads up they can usually give a borrower with legitimate reasons for being late help. This form of help is usually in the form of deferring a couple months of mortgage payments, then adding those payments to the next ten months or so. While this does not help a lot because you still owe the money it gives you time to find other sources of help or to find another job and/or seek assistance for other housing assistance programs.
Step 2

Help to pay housing costs such as home repair, rent, and mortgage payments.

Other housing assistance programs can be found through hud.gov. HUD helps families and individuals with low income or have had a financial hardship to pay housing expenses such as rent payments, emergency home repair, and mortgage payments. Military families may also find for assistance at http://hap.usace.army.mil/.
Step 3

Help to pay electricity and gas bills.

Financial help is available for utilities such as gas and electric bills. The help given is determined by income, but usually comes in the form of reduction of your heating bill and/or a set amount based on your income to be paid each month. The best way to find government and community based programs that receive grant funding and other funds to help is to contact the office posted on the bill it self and ask about getting refereed. Most programs will not give a family or individual help unless they are refereed directly by the utility company. Many times the utility it self has government funding to reduce bills of those who qualify. Many states refer to their Home Energy Assistance Program as HEAP.
Step 4

Help with transportation expenses.

Help to pay transportation costs. To get help with public transportation cost contact the cities transportation office to determine if you meet income qualifications for reduced or free ticket program hosted by many government programs. If you need help paying for a car payment, car repair or gas to put in your car consider talking privately with your employer. In many circumstances when the employer is able to help they will help pay for things that directly effect work such as a car. Make sure to get the loan in writing, and to know when it will start to come out of your check and how much at a time. If your household meets income guidelines, government programs may also be available to help pay for things that will directly effect your ability to work or get to work. The best place to start your search is the Department of Economic Security or the Division Of Family Services.
Step 5

Food Assistance

For help to pay for food and groceries you have several choices. Local food banks can be found by contacting local city offices or churches. I also recommend contacting your local salvation army, they may be able to help you feed your family as well as provide hot meals during the day (if you live close) and they can also help with clothing. Go to usda.gov for more more information on food stamps and to apply directly online.
Step 6

Finacial Assistance for Medical Bills.

To get help to pay for health insurance for kids go to www.insurekidsnow.gov for more information. To get help to pay big medical bills contact your hospitals financial office, many offices have grant funds to help pay bills but will not offer them unless asked directly. So there is no harm in asking. Also consider contraction the family services department to determine if the member that needed medical treatment could receive emergency medical assistance.
Step 7

Help to Pay Day Care.

Need help to pay for daycare or child care services while you are at work or undergoing training, contact the department of Social services in your county. Most states offer child care assistance programs that help families pay for care on a sliding fee scale, depending on the amount of income they make. Many counties are also beginning to offer free head start programs to help children get to a better start, many programs run through the week and encourage parents to seek employment or training while their child is participating in the program. Look up Economic security or contact the local Head Start Office directly.
Step 8

Help to pay off student loans

The best way to avoid being delinquent in paying student loans is to ask for a deferment. Many lenders have programs set up specialty for student loans that allow the loan to be deferred for up to six months, then the loan is either lengthened for that amount of time or the payments may increase to make the difference. Many government and privately funded programs are also set up to help those that volunteer to sign up for employment in undesired location that are in need of their skill may receive help to pay student loans. Check resource section for more information.
Step 9

Help to pay past debt.

Help to pay for past debt packed into credit cards is probably the hardest type of debt to find help on without hurting your credit score. Programs are available for those who have substantial debt on credit cards to help reduce the amount owed and interest on those cards. You must apply for a hardship through your credit card. You will be required to send a hardship letter before getting approved to explain your financial problems.

How to Get Help To Pay Bills

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