Best Grants to Help Pay Bills [Money Saving]

Where to look for grants to help pay bills ? DoNotPay knows the suffice

According to CBS News, 70% of Americans say that they are struggling financially. monthly statements are among their major concerns, as many don ’ deoxythymidine monophosphate earn enough to cover these expenses regularly. To be more precise, about one-half of consumers pay their bills late. When they find themselves in such a situation, many people start thinking about applying for grants to pay what they owe .
Are you, excessively, considering this choice ? If so, DoNotPay can point you to some of the best options out there. In fact, we can do evening more—our app can help you deal with all the accumulate bills that are giving you a headache .

DoNotPay can help if you ’ ra struggling with your bills

While there are several options to deal with piled-up bills and low income insufficient to cover them, the most efficient way to go about it is to use our app. By efficient, we mean both financially and timewise. When you rely on DoNotPay, you only need to take four simple steps :

  1. Log in to your DoNotPay explanation via a web browser
  2. Tell us which bills specifically you ’ re struggling with
  3. Give us your personal information ( identify, e-mail, and home address )
  4. Provide a short explanation so we understand your trouble and what kind of help you ’ re looking for

When we have all the necessary information, the rest of the occupation is on us. You can relax and precisely wait up to two days for the entire process to be completed. Our app will inform you ampere soon as everything is finished .

What grants to help pay bills are there ?

There are many different grants that you may apply for depending on your situation and the reason why you ’ re having difficulties paying bills. Some are intended only for those coming from low-income families, while others cover several groups of people in need. here are a few of the best options to consider if you want to apply for grants for aid with home bills :

  • operation Round-Up
  • internet wish
  • The Low Income Home Energy Assistance Program ( LIHEAP )
  • supplementary Security Income ( SSI )
  • The Child Care and Development Fund

operation Round-Up

This charitable program is offered by many utility and electric companies around the country. Your utility company may have a different name for it, but the way it works is the like in all states .
As the name itself suggests, the estimate of this volunteer plan is that people who are financially static agree to have their bills rounded up to the following dollar amount. even though that normally amounts to 50 cents a calendar month, it finally adds up, allowing the program to help out numerous families in need. Since the funds raised entirely from customers are not constantly adequate to cover those in need, many utility companies, and local businesses make their contribution. finally, tens of thousands of people benefit from Operation Round-Up every year .

net wish

internet Wish is a non-profit organization offering loose grants to help those struggling with their bills, basic everyday expenses, and emergency expenses. Families with children and the elderly are their top priority. other vulnerable people facing fiscal problems can besides be eligible for the cash grants this organization provides .
You should know that they don ’ thymine give the accord directly to the applicants who are eligible. They pay the money to the aesculapian provider, utility company, or whomever the applicant in question owes the money for unpaid bills. Since the funds for dislodge grants are limited, they offer a maximal of $ 200 per request .

The Low Income Home Energy Assistance Program ( LIHEAP )

This grant program is designed to help low-income families who can’t afford to cover heating and cooling energy costs. The Department of Health and Human Services funds the LIHEAP grants by states. Each country has specific eligibility requirements that applicants need to meet. This means that the income level considered low enough to allow the grant may besides differ from department of state to state. On modal, these are annual family income limits :

Members per household Maximum annual income level
1 $ 18,375
2 $ 25,365
3 $ 31,995
4 $ 38,625
5 $ 45,255
6 $ 51,885
7 $ 58,515
8 $ 65,145

auxiliary Security Income ( SSI )

Supplemental Security Income program provides cash grants for the disabled for paying bills. It is designed to help the aged with low income, limited resources, and limited or no ability to work. Applicants younger than 65 and those with short-run disabilities are not eligible for SSI .
SSI is primarily set up to provide avail with food, shelter, and invest. even though the program is not designed specifically to provide help with utilities and other monthly expenses, those who get the grant are allowed to spend the money on anything they need .

The Child Care and Development Fund

The Child Care and Development Fund provides help for low-income families so their children can have access to child care. That way, the program helps parents who need to go to work or attend school .
To be eligible for the grant, you need to be a rear of a child younger than 13, or 19 if incapable of self-care. primary caregivers, besides, are eligible if they meet the rest of the conditions. The grants are income-based, so it ’ randomness necessary to provide proof of low income as another eligibility necessity. Applicants have to be either employed or enrolled in an education or trail program .

Should I apply for personal government grants ?

personal government grants are chiefly intended for a specific purpose. Most people use them when they need to purchase a new house or a vehicle or repair their exist house. other reasons why people besides use them include the surveil :

  • mortgage payments
  • rent
  • Credit batting order bills and debt
  • real estate taxes
  • Legal services
  • education
  • insurance
  • Holiday travel

You can apply for a personal grant to pay utility and medical bills, too, although this is a less common scenario. The previously listed programs are more suitable when you ’ re struggling with your monthly expenses.

What else can I do if I need help paying bills ?

If you don ’ deoxythymidine monophosphate qualify for any grants, there ’ s no indigence to start panicking. You may get the grant the future fourth dimension you apply ( if need be ). In the meantime, there are many other things you can do to find help paying bills, including the following :

  • Applying for a payment plan
  • Asking for a discount rate
  • Looking for organizations that provide fiscal aid for bills

Apply for a requital plan

If your income doesn ’ metric ton allow you to cover the wax amount of a bill, you might be able to pay smaller installments one at a clock time. In case this sounds accomplishable, you should talk to your service provider and ask if they offer some kind of a payment plan. Look into details and ask about requirements to check whether you meet their criteria .

Ask for a dismiss

Another option you have is to ask for a rebate. not all service providers will be able to offer you one, but it doesn ’ thymine hurt to ask. For instance, some phone companies offer discounts for family members. Do not hesitate to contact the service provider in interrogate ( depending on what bills you ’ ra struggling with ) and ask for any discount schemes that you may qualify for .

look for organizations that provide fiscal help for bills

You might besides want to consider asking for fiscal aid for your monthly bills. There are numerous non-profit organizations and charities that help those in dire need of financial aid for their basic expenses. These organizations normally have limited fund, so you need to meet sealed requirements to be eligible for the assistant they offer. hera are some of the best organizations to turn to :

Organizations offering financial aid  
How they can help you
The Salvation Army To qualify for the limited funds that this organization offers, you need to have validation that you ’ rhenium going through fiscal hardship. not only can the Salvation Army help oneself you with monthly bills, but it can besides offer aid with other basic needs, such as food and protection. Their kin hand brake services include counseling, excessively .
Lutheran Services in America
This national non-profit charity offers fiscal aid for paying bills, adenine good as caparison, food, and medical expenses. It covers people coming from low-income families and the aged .
medicaid Those struggling to cover huge checkup costs should turn to Medicaid. This arrangement helps by and large families with express income and resources. other eligible groups include the aged, people with disabilities, and foster care children .

Is using my citation menu to pay bills a well idea ?

While using a citation card to pay bills is quite coarse, you shouldn ’ triiodothyronine go for this option without a second gear think. This class of requital may be commodious for respective reasons, but there is one drawback that you need to be mindful of. When you use credit cards to pay accumulated bills, or you use them too frequently, you can easily damage your credit score as a result. That ’ randomness why it ’ second better to try with some other options first .

Should I apply for a loan to pay the bills ?

Loans to help pay bills should be the last option to take into consideration. You need to look at the big painting here. While applying for a loan to help pay bills might sound tempting at the moment, this option can only cause you more trouble in the long run .

Don ’ metric ton forget to check for the most common errors

Quite a few people out there are paying bills without even realizing what precisely they ’ re giving their money for. They ’ re not reading their charge statements carefully adequate to spot electric potential errors, so they might a well pay person else ’ south bill without realizing so. To avoid this, you need to pay attention to every one thing listed, starting with billing information (name, address, billing date, etc).
Another potential scenario is that there are duplicate items. If just a individual military service is charged twice, that ’ s enough to make your bill suspiciously high gear .
public speaking of services, you should besides check if you ’ ve actually used everything you ’ re being charged for. There might be a service you’ve never received that ’ mho making you feel dizzy looking at the sum amount .

DoNotPay can send an propagation letter on your behalf

If your income can not cover your monthly bills, one of the easiest things to do is to ask for an elongation date. many people do this, and many providers approve such requests when there ’ s a valid reason. If this will solve your return, besides, here ’ s what you can do to ask for an extension :

  • Contact customer service
  • Ask for an annex in person
  • Send a letter

If you ’ re thinking about sending an extension, but you ’ ra not certain how to compose it, there ’ second nothing to worry about— DoNotPay is here to write an extension letter for you. We will need equitable a little bit of your serve. You should provide your personal information and tell us who your service provider is. Since they will want to know on what grounds you ’ ra asking for an extension, we will besides need you to tell us a bit more about your situation. then our app takes over. DoNotPay can send an extension letter on your behalf, excessively .

trust on DoNotPay to ask for a release on former fees

Another commodious option if you ’ re struggling with your bills is to ask for all late fees to be waived. If you choose this solution, you can do the succeed :

  • Go to your serve supplier in person
  • Contact customer corroborate
  • turn to a lawyer or fiscal adviser for avail
  • Send a release letter

many would jump to the conclusion that asking for professional aid is the most dependable option. While experts are the most reliable, they are normally quite expensive, besides. This doesn ’ thyroxine bode well for you now that your income is not sufficient to cover bills, let alone some extra expenses. What if you could get legal aid for free ? You can when you use our app. DoNotPay is the earth ’ randomness beginning robot lawyer, and you can get the aid you need dislodge of charge. Our app can generate a letter asking for all late fees for your bills to be waived and then send it on your behalf .

What is going to happen if I don ’ thymine pay my bills ?

Depending on the bills, different things can happen if you fail to pay them. In some cases, your service provider will just temporarily disconnect you, while in others, you might be even taken to small claims court. Some providers will leave it to a collection agency to handle the site. Should something like this happen, you need to be prepared and act consequently. hera ’ s what you should do when going up against a solicitation representation .

  1. Find out more about collection agencies and how they operate
  2. Keep a record so collectors can not wrong you
  3. offer to pay a function of your debt for a get down

Find out more about collection agencies and how they operate

even though it is their speculate to do anything they can to make you settle the debt, there are still certain things that collection agencies are not allowed to do. Make sure you do some research, so you know what they are allowed to demand in your situation. The most significant question to answer is whether they can take you to court. This is possible if you have an unpaid phone circular, for case .

Keep a commemorate so collectors can not wrong you

When dealing with a debt collection agency, the safest way to protect yourself is to have a composition trail of everything. The only way to rest assured that they don’t wrong you is to record every step of your debt progress. How can they ask for more money if you have proof of how much has already been paid, correct ?

volunteer to pay a part of your debt for a beginning

even if you can ’ t possibly pay off the entire debt at once, there silent might be some room for negotiation. Talk to the debt collectors about the possibility of paying off a part of your debt for a start. You never know—they might accept your offer careless of the come you ’ re able to pay at the moment.

DoNotPay Protects Your Privacy and Finances

Sharing your credit card details online comes with certain risks, and it ’ s getting more difficult to tell good and badly websites apart. With DoNotPay’s  virtual credit card generator , you will be able to protect your identity and bank account from cyber scammers.
Whenever you run into a leery e-mail or web site, generate a virtual credit card and proceed without worries. Our virtual cards besides work like a charm if you want to avoid automatic payments after release trials .

Can I use DoNotPay for something else ?

You can rely on DoNotPay to help you with many other issues. Our app is here to make any bureaucratic operation a breeze. We believe that you don ’ t have to trouble oneself with these by yourself, and we want to get you the justice you deserve. In summation to the previously mentioned, DoNotPay can besides help you do the follow :

source :
Category : How

Related Posts

How to Calculate Credit Card Interest Rates

interest rates are one of the ways to work out how much it will cost you to use your credit card, along with other charges and fees….

What debt collectors can & cannot do

If you are dealing with a debt collector, you have protections under the law. A debt collector must not mislead, harass, coerce or act unconscionably towards you….

Can You Afford a New Home? How to Determine Your Homebuying Budget

Can You Afford a New Home? How to Determine Your Homebuying Budget As with any major purchase, determining what you can afford before you look for a…

Why Did My Credit Score Drop?

Why Did My Credit Score Go Down When Nothing Changed? sometimes your mark does change based on factors outside of your control, but most times your behavior…

Why Do I Owe Taxes To The IRS & How To Avoid Them

Are you wondering why you owe indeed much in taxes this year ? Want to make certain you never owe a big tax bill – or any…

The 5 reasons why your credit score might suddenly drop

Select ’ s editorial team works independently to review fiscal products and write articles we think our readers will find useful. We earn a perpetration from affiliate…