5 Steps to Take When You Need Help to Pay Your Bills Things You Have to Know and Do when you need help! your FREE report.
Get Immediate Help to Pay Your Rent, Electric Bill, Groceries, Medicine, Gas and more....
find Charities that help to pay bills
when you need help the most
First, get the free report (just enter your name and email on the left of this page - you will get it immediately on your computer).
This will help you to organize your thoughts and get prepared with the specific information you will need when you contact agencies that can help you.
And Then: Read on ... for more information and... for more help.
Are you caught up in a temporary situation and see no way out?
Are you worried about what will happen if you don't get the bills paid?
Well, take heart.
Tough times fall on us all. Even when you've done your best and tried your hardest, sometimes life just gives us a tough break.
The good news is there is help available for you. You just need to know where to find it.
That's why you'll be very excited to hear about the incredible information I'm sharing with you ...
Read the information below if you need help with Rent. This will give you a beginning list of resources.
How and Where to Look
for Assistance with Rent
If you have bills that are due now, or are even past due, then you must take immediate action.
Most often, the bill that becomes most critical for people is the rent.
When the landlord is threatening eviction, you may feel a sense of desperation and panic.
You need to try to clear your thoughts so that you can think clearly.
So, take a breath and let's walk through this together.
If you need emergency help with Rent:
First...
1. Talk with the landlord.
- Let them know that you are seeking assistance. Tell them that getting this bill paid as quickly as possible is important to you as well as to them.
- This will let them know you are acting in good faith and are not ignoring the problem.
2. Ask them if they have any assistance programs.
- If they do, use them. You may be able to make payment arrangements for the current bill, and/or get discounts on future bills.
- If you have small children or someone ill or elderly in the house, let them know. This may give you priority consideration.
3. Let them know you will get back with them in a few days.
Next...
4. If you belong to a church, contact them and see if they can help you.
- Many churches have emergency funds to help members. Call them.
Then...
5. Call a local Catholic Church.
- Many Catholic Churches try to help anyone in the community. Ask them if they can help.
6. If they cannot, ask them for the number for the Society of St. Vincent de Paul AND the number for the local Catholic Charities.
And Then...
7. Call the local Society of St. Vincent de Paul.
- They are a lay Catholic organization dedicated to helping the poor in the community. They will do all they can to help you. Since they only receive funds from donations, they may or may not have the funds you need. But they will meet with you as soon as possible to discuss your situation and will do whatever they can to help.
- If they don't have funds this month, they might have some next month.
- Ask them for referrals to other local agencies that might be able to help you.
8. Call Catholic Charities and schedule an appointment.
- You do not need to be Catholic to get help from them.
9. Contact the local Salvation Army.
- Their funds may be limited, but they may be able to help you with part of the money that you need.
10. Contact the local United Way.
- In many places you can get them by dialing 2-1-1.
- Many companies and organizations partner with United Way to provide needed services.
You may need to contact several places. If you cannot find all that you need from one place... you may be able to get part of what you need from several different places.
Then put those "pledges" together to get to the total amount. (Many places will pledge what they can. That means that when you can let them know that you have enough pledges, they will send the amount they pledged.)
There are other places that offer help. These will probably be the quickest for you.
Remember...
Times are tough for everyone right now. And that includes Agencies and Organizations.
Start planning for next month's bill. Take a look at where you are spending your money. Cut out whatever you can (like eating out, cable bills, impulse spending, lottery tickets, grocery items you really don't need, gas for trips in the car that are not necessary, getting nails done, etc). Look at everything.
Save those pennies and pay the bills first. Try to not get in the same situation next month.
Then ... remember those that helped you. There are many other people that also need help, and they are trying to help them as well.
Charitable organizations get their money from donations from good people.
When you can, remember them. Pass it on. Donate what you can to help others facing the same kind of challenges you are facing. You know what it is like. This is how we all help each other.
My name is Pat McMann. I'm an RN and have been helping people for over 30 years.
Among other things, I have been a hospital Director of Nursing and a Nursing Home Director of Nursing. I have been an Office Nurse, Medicare nurse, Home Health nurse, and Director of Medical Servics for Managed Care. That means I have worked with a lot of people having difficult times.
Over the years I have noticed that when tough times fall (for any reason), financial problems become a time of panic and desperation. Most of us don't expect that this kind of thing will ever happen to "us" and get totally overwhelmed.
It seems that when you need help the most, it is the hardest to find. But you need it quickly!
That's why I have researched and prepared information that you need - so you can get help - fast.
Read below if you need help with Utility Bills.
How and Where to Look
for Assistance with Utility Bills
Keeping the lights on, the stove working and the water running are necessities for survival in today's world.
But with rising energy costs and increasing job losses and layoffs, more and more people are finding it difficult to pay their electric, gas, and water bills.
If you are in a situation where you need help to pay these bills, there are charities and organizations that are providing assistance to people just like you.
If you need help with your utility bills:
1. Call the utility company.
- Ask about their assistance programs. You may be able to make payment arrangements for the current bill, and/or get discounts on future bills.
- Be sure to let them know if you have ill or elderly persons or small children in the house. This may give you priority consideration.
- Get and fill out whatever forms they need.
2. Contact NEAR (National Energy Assistance Referral project)
- You can call them at 1-866-674-6327 8:00 am - 6:00 pm EST.
- They can give you information for local and state LIHEAP (Low Income Energy Assistance Program) agencies
- They can also give you information for available low-income utility programs or charitable assistance resources in your state
3. Contact organizations and agencies that provide assistance.
Here are some organizations and agencies that are here to help:
Your Church
- If you belong to a church, call and ask about funds they may have set aside to help members.
- Many churches have emergency funds set aside for members. Some help non-members.
United Way.
- In many places you can contact your local United Way by dialing 2-1-1.
- Many companies and organizations partner with United Way to provide needed services.
Catholic Church.
- Many Catholic Churches try to help anyone in the community. Ask them if they can help you.
- If they cannot, ask them for the number for the Society of St. Vincent de Paul and the number for the local Catholic Charities.
St. Vincent de Paul Society
- They are a lay Catholic organization dedicated to helping the poor in the community. They will do all they can to help you. Since they only receive funds from donations, they may or may not have the funds you need. But they will meet with you as soon as possible to discuss your situation and will do whatever they can to help.
- If they don't have funds this month, they might have some next month.
- Ask them for referrals to other local agencies that might be able to help you.
Catholic Charities
- Their mission is to "give people a leg up when life has knocked them down"
- Call and schedule an appointment.
- You do not need to be Catholic to get help from them.
Salvation Army
- Contact your local Salvation Army office
- They try to help anyone in need.
- Their funds may be limited, but they may be able to help you with part of the money that you need.
Wish Upon A Hero
- They believe "that when it comes to helping others, every cause is a good cause."
- Applications are available online at www.wishuponaherofoundation.org.
There are other places that offer help. This will give you a start.
Remember...
Times are tough for everyone right now. And that includes Agencies and Organizations.
You may need to contact several places. If you cannot find all the help that you need from one place... you may be able to get part of what you need from several different places.
When you can, remember those who help you. Pass it on. Donate what you can to help others facing the same kind of challenges you are facing. You know what it is like.
This is how we all help each other.
I have faced some very good times in my life, and also some very tough times. I know exactly where you're are coming from . And I can help you find the kind of help you need when you need it.
In all my work with my patients and clients, I was appalled that there was no place to go to be able to find help quickly.
I spent hours and hours trying to find exactly what I was looking for.
Like me ... you've probably asked yourself:
... Where do I turn?
... Who can help?
... How do I know where to go for help?
... What do I need to do?
... Where do I start?
I know that the landlord, the electric company, the phone company ... won't wait while you try to figure out what to do. They want their money - and they want it now.
That's why I have done this work for you.
I have the important information that you need to find what you need - NOW.
How and Where to Look for
Financial Assistance for Unexpected Needs
Sometimes "Life Happens".
Things seem to be going along okay, at least making ends meet, when all of a sudden something hits you from out of the blue and rocks the boat; maybe even capsizes the boat.
And you have no life preserver!
You are not alone. This happens to the best of us. Even if you have planned, and thought you were being careful and responsible, sometimes things happen that just blow us out of the water.
Here are some organizations and agencies that are here to help us:
210 FOOTWEAR FOUNDATION
- Financial assistance is available for eligible individuals within the footwear community who are facing difficult times. Two Ten's direct assistance towards housing, utilities, food and other basic needs help stabilize your finances when the unexpected happens.
- You can contact them at (800) 346-3210 or www.twoten.org.
ACCION
- ACCION USA works with low- and moderate - income borrowers who have their own businesses but are economically marginalized and have no access to commercial business loans.
- First loans start small and borrowers who repay their loans on time are eligible for increasingly larger loans. This process, called stepped lending, keeps initial risk at a minimum while allowing micro entrepreneurs to carefully grow their businesses and increase their incomes.
- You can contact them at (617) 625-7080 or www.accion.org.
EL PUENTE FOUNDATION
- Guidelines are open in the sense that they must enable the recipient to get out of a financially or medically imposed problem and allow them to return to a more self-sustaining productive life.
- They are "bridging" a gap caused by hardship in a recipients' life situation.
- Benefit types are "one-time" or "ongoing" pending review and an evaluation to determine if further benefits or another type of benefit may apply.
- You can contact them at www.elpuentefoundation.com
MODEST NEEDS FOUNDATION
- They offer three types of grants: Self-Sufficiency Grants, Back-to-Work Grants and Independent Living Grants.
- The grants come with no strings attached and do not ever have to be repaid.
- You can contact them at (212) 463-7042 or www.modestneeds.org
NETWISH.ORG
- Net Wish is the brain child of a successful businessman who has set aside a moderate amount of money per month to help those less fortunate.
- If a relatively small amount of money (up to $500) can make the world of difference to your life, NetWish is here to help.
- You can contact them at www.netwish.org.
WAYS TO WORK
- They provide small loans (up to $4,000) to low-income parents who cannot get loans elsewhere
- The purpose of the loan is to help family members pay for unexpected expenses that could interfere with their ability to keep a job or stay in school.
- Approved applicants make monthly loan payments over a two year period at no more than eight percent interest.
- You can contact them at (866) 252-7171 or www.waystowork.org.
There are other agencies and organizations that help. This will give you a start.
Remember that there are many others just like you who are facing difficult times.
Many organizations and agencies are facing major challenges trying to be of help because the need is so great.
When you are back on your feet, help them out as much as you can. Pass it on. This is how we help each other.
But don't just take my word for it.
Listen to what others have to say.
This would have saved me hours of time and a lot of $$ spent on gas
Jennifer
Let me share with you an incredible website that has virtually changed my life! It is http://www.findhelptopaybills.com/
I was in dire need of financial and disability assistance, so I went to this site. To my amazement I found more help than I could ever use!
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Then I found a source to help me equip my bathroom so that I can get in and out of the bathtub.
Also I will be getting a scooter (free of cost to me!) by about February, 2009. This will enable me to go long distances, like the mall, since I walk with braces and forearm crutches.
This web site has over 600 agencies just waiting to help in almost any area one might need.
I highly recommend it.
One does not need to be a computer whiz to use this site.
It is VERY EASY- click what you want help with, and you are taken to agencies that will provide such assistance.
All "my searching" on this website took very little time and effort.
--Jane Blackburn
Money has been running tight for me ever since I became disabled while serving in the military.
This year was particularly difficult around the Christmas Season due to financial problems caused by a series of medical problems in my family. We needed help to make ends meet, but we didn't know where to turn to.
I found out about www.FindHelpToPayBills.com and after reading all the information, I decided that I had nothing to lose by trying it out.
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I would recommend this product to anyone needing immediate assistance for a variety of problems.
I spent years trying to help people, when it finally came crashing in on me one day while I was trying to help one of my clients.
The poor person was desperate for immediate help, and all I could do was give him a phone number and say "Give them a call and see if they can help"! And the number I had been given for him was a wrong number!!
Believe me; I understand the EXACT same spot you're in right now...
I sit with people just like you who are facing the stress of bills... of financial uncertainty... of squeezing their eyes shut and praying that no more "unforseen circumstances" will come their way and demand another big chunk of the money that they don't have.
But it doesn't need to be like that anymore.
"You can have the information that you need to find help..."
I wish that during my own years of financial uncertainty, I had been able to find the kind of information that you're getting today.
Instead, I had to learn this information through time-consuming "trial and error".
But YOU don't have to spend countless, frustrating hours trying desperately to find the information you need - I've done the groundwork for you!
Am I saying that all of your financial woes can be solved overnight? No, of course not.
And that's why I've decided to make this information available... and I want to share it with you as quickly as possible!
The most important reason people love this information that I have for you is because you can start finding help today!
Keep in mind that you don't just need "more money". What you really need are the things that money can buy.
Whether you need help with rent, utilities, food, clothing, medicine... it doesn't matter. There is help out there waiting for you to find it.
"Discover EXACTLY where to find the help you need..."
To help you further, you can get Pat's List of Resources - with HUNDREDS of places that provide help.
- for only the processing fee ($5.98)!
You will have access to resources for help that others don't even know about!
Here's the kind of help you can find:
But... I can't help you if you don't help yourself!"
The choice is yours: Either you are ready to find the help you need or you are not.
I have done all the work of finding places that offer help for you, all you need to do is take the information and contact the places.
Either you're ready to do something to get the help you need, or you will stay where you are and wonder why things don't change.
Remember... the longer you wait, the longer you will be harassed by all those financial worries. Completely unnecessary.
If you are serious about getting help to pay those bills, then you really have only one choice.
Get started now!!!
Use the information that is available for you here for FREE ... and
Get Peace of Mind and Regain Your self-Respect!
If you need more resources, get Pat's List of Resources.
If you want to save your time and energy and increase your chances of getting help much sooner, you can also get Pat's Resource Guide. This gives you the contact, application and eligibility information that you will need.
No one else needs to know-- The information comes privately and directly to you through your computer. All information is encrypted, secure, and Password Protected for optimal Privacy. It's perfectly safe - I have it on my own personal computer.
Don't waste hours and hours of endless confusion and frustration trying to identify and locate appropriate resources when I have done the work for you.
Don't risk losing hundred of dollars in reconnect fees for your utilities, or paying potentially hundreds MORE in overdue payments and penalties, or having to go without groceries for your family... or even facing eviction.
Find the help you're looking for NOW!!
Pat's List of Resources
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Are you ready to get some relief?
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And when you get the List of Resources or the Resource Guide, you'll also receive the following bonuses for free to help you even more:
BONUS #1:
There are plenty of things that the collection agency doesn't want you to know, because, if you were aware, you'd be less likely to fall for their scams.
Many people make the mistake of believing that the only people who get harassed by collection agencies are people who don't pay their bills. This is a stereotype that is quite untrue.
Many collection agencies don't really care if a debt is legitimate or not, they just want to collect the cash. Some agencies know for a fact the debt isn't legit, yet they still continue to harass the poor debtor.
The debt collection industry offers big profits which attracts a lot of unethical agents. There are more than a handful of bill collectors that will go to any length to collect a debt and earn their commission. Even breaking the law!
Collection agencies are not your friend. They are not looking out for your best interest.
Debtors that don't know how collection agencies work can pay up to 60% more than they need to!
Revealed here are the resources, secrets and tactics you need to DEAL WITH THE COLLECTORS TO YOUR ADVANTAGE.
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Payday loans can be a lifeline in an emergency, if you have no other options.
Millions of people today are looking to Payday loans to help solve their temporary financial problems.
They are easy to get, but you can just as easily get hooked into the questionable tactics of the payday loan business.
Robin borrowed $200 and planned to repay it when she received her next paycheck. However, at the end of 6 months she had paid $720 in fees and still owed the original $200!
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BONUS #3:
More and more people are seeking help, getting debt consolidation loans, hoping to get out of debt as soon as possible.
With debt consolidation, instead of paying off some, and disregarding the others, you get to pay just one flat rate every month and that's it.
Sounds wonderful, right?
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These promises are incredibly alluring to anyone who is caught in the quicksand of having too much consumer debt, and who will believe anything, do anything to make it go away.
BUT...
Do you know which companies will take your money and not even pay anything toward your debts for as long as 6 months?
Did you know that any debt amount over $600 that is forgiven will be reported as income and will be taxed by the government?
Did you know that 70% - 78% of Americans who consolidate their debts end up in worse shape with the same amount (or even higher) debt in 2 years?
Do you know why many debt consolidation companies are under investigation by the FTC and the IRS?
Do you know how to weed out bad consolidation companies?
Today, overburdening debt has grown to epidemic proportions, and the tightening of the bankruptcy laws have made getting out of debt even more difficult.
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This helps you keep track of what needs to be paid. It even provides a form for you to get your bills in priority order, and helps you to know what to pay when.
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What you must know when some bills just need to wait!
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Here's the difference:
The LIST OF RESOURCES gives you lists of hundreds of places that you can contact for help. You will need to look them up to find out what they offer, whether you are eligible, and how to apply.
The RESOURCE GUIDE saves you a lot of time. It can guide you right through the whole process of finding help, because it not only tells you the places you can contact for different needs, it ALSO gives you all the information you need to know so you don't have to look up any information. It is all done for you. You can just start contacting them immediately.
Relieve the burden!
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Take those bills off your shoulders!
Regain your Peace of Mind and Self-Respect!
Wishing you the very best life has to offer,
P.S. Remember: You're Not alone! There are places and people who WANT to help you!
P.P.S. There's no need to continue the emotional pain and the financial suffering!
P.P.P.S. I am not an internet guru. I am just a nurse, a mother, a grandmother, who is trying to help people in these tough economic times.
If you or someone you know needs help to pay bills (rent, electric, medicine, etc.), you can find the information you need right now ... quickly and easily.
© Copyright Pat McMann All rights reserved.