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Find assistance programs and help from your state, city, and county government as well as local organizations such as community action agencies.
There are numerous national assistance programs, ways to get help from your local government and agencies, as well as state charities that offer programs and grants that will assist many families and individuals with bills, expenses, and debts. You can find assistance to help pay your utility bills, help with medical bills, health care costs, food assistance programs, credit card debt, help with student loans, and many other assistance programs.
Every now and then hard working people may experience financial hardship. And sometimes you just need that little extra help in paying some bills or debt. You should never hesitate to research your local state or county government to see what assistance programs they have and learn about what aid they can provide. After all, it is what your tax dollars are paying for.
Government Assistance Programs That Cover Multiple States
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- Medical bill assistance:
State programs, pharmaceutical companies, local health clinics, and other businesses provide consumers help with medical bills and prescription drugs.
Also, many states have laws that protect consumers from aggressive or illegal medical debt collectors and collection practices, and the laws and regulations also ensure people are charged fair prices for health care services. Read more on your rights for dealing with medical debt collectors.
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- Free proposals for credit card debt help:
If you have more than $10,000 in credit card debt, you can get assistance from DebtHelp 101. They have helped tens of thousands of people who have over $10,000 in credit card debt get out of debt. Many have eliminated over 50% of their credit card debt. You can request a proposal for free, and you have no obligation. They will put you in contact with a debt settlement company who can assist you with eliminating your debt. You have nothing to lose by trying the service
- Prescription drug assistance programs:
Prescription drug programs are offered by many states, companies and organizations to help people across the country receive free, or heavily discounted, prescription medications. More.
- Charities, churches and other assistance organizations:
Find charities and other organizations that will help you with paying bills and debt, provide rent help, that offer free medical care, and provide other assistance. More.
- Mortgage help and ways to stop a foreclosure:
Learn about loan modifications from the government and other organizations. With a loan modification it is possible for a homeowner to get:
- a reduced interest rate on their mortgage
- late fees and/or charges may be forgiven
- the repayment terms of your loan may be extended, and more
The organization Loan Modifications Pros (link below) will provide you with free mortgage modification proposals from mortgage servicers as well as modification specialists. To date, over 100,000 homeowners have been assisted with modifications. Register for free proposals. No obligation.
- Debt help:
There are countless ways to get assistance with debt, including medical billing advocates and credit counselors. The National Foundation for Credit Counseling says credit counseling can have a 60% success rate. Also, learn about credit card hardship programs.
- Community Action Agencies:
Community Action Agencies are local nonprofit and public organizations that provide many services to those in need, including utility bill assistance, job training, help with paying rent, financial counseling, and other activities.
- Rent help from assistance programs:
The federal government has housing assistance programs that assist families in need with paying rent, security deposits, and they will help to prevent evictions.
Also, find other low income assistance programs that will help meet other needs. More.
- Free health care programs:
The Health Resources and Services Administration (HRSA) provides free or low cost health care, even to the under and uninsured. Checkups, treatment, prescriptions, and other services are available. More.
- Telephone assistance programs:
Save on your phone bill and phone installation costs from a federal government program. More.
- Water bill assistance programs:
One of the nation’s largest water companies, American Water, operates water utility companies across the nation. They currently provide their customers with two different programs that can provide them grants and other assistance for their water bills. They are the Low-Income Payment plan and the H2O - Help to Others. Learn more.
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Local and State Assistance Programs
Click on your state for more details on programs or grants that your state or local government may offer to help you through a difficult period. You will also find a listing of community action agencies. These are in addition to the national programs above. Or visit and register in the forum to ask for and find additional help, share ideas and resources, and to also help others in need. I will also reply to all requests in the forum.
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