Need Help Paying Bills? State Agencies and Private Charities Can Help

I found several sources for getting help to pay utilities, car loans, groceries, medical bills, automotive service, pet medical needs, college loans and more.

Just type in Google “need help paying bills,” and you’ll find a plethora of resources to eliminate your debt (sometimes requiring payment for services.  In fact, you’ll find over 19 million search results with a range from “Christian debt consolidators” to “online bill pay” Websites to questions posed by common people on Q & A sites.

However, which sites truly have something to offer without having to pay a fee or a percentage of your debt to an agency or lawyer? There are a few legitimate places that offer valuable information to state agencies as well as private charitable foundations.

I found to be one of the best resources to finding local organizations to assist with utility bills, late car payments, rent assistance, medical bills, emergency shelter and much more.

Many of us have experienced a time when our finances were in trouble or we weren’t sure where we would find money to pay a bill or pay for groceries for the week or month. I am going through a time of financial hardship, and have been blessed that my family has helped me through some really stressful months. However, there comes a time when I know I can’t be solely dependent on their generosity month after month. I have found several charitable organizations that are available to most anyone who are experiencing pending utility turn-offs or excessive late charges on a credit card.

Here are a few places you can receive help paying bills:

Rent /Mortgage Assistance

Housing and Urban Development (HUD) Rent Assistance Programs

There is an assistance program, the Section 8 Rental Voucher Program, that will help families and individuals with paying rent. The program will generally pay the landlord the difference between 30 percent of the families total household income and the PHA-determined payment standard, which is about 80 to 100 percent of what is called the fair market rent (FMR). What this means is that you still need to pay a portion of your rent, but the program will pay the difference between what you can pay, and what your rent costs are. The rent rate must be competitive and reasonable.

Housing and credit counseling

There are programs and people who will help. A counselor with a housing counseling agency will answer your questions, can assess your situation, prioritize your bills and debts, go over your options, and also help you prepare for those important discussions with your loan servicer. Best of all, housing counseling services are usually free or low cost.

Call the local office of the U.S. Department of Housing and Urban Development. Or contact the housing authority in your city, state, or county for help in finding a legitimate housing counseling agency nearby. Or you can also contact the NeighborWorks Center for Foreclosure Solutions at 888-995-HOPE or


First, you should always contact your utility company to find out about any programs they offer. Many utilities offer help via shareholder or community funded emergency payment assistance programs for their utility customers. These programs will provide cash assistance to help offset the costs of cooling and heating homes, and they will provide needed help with escalating electricity bills.

The Low Income Home Energy Assistance Program (LIHEAP) Block Grant is funded by the Federal Department of Health and Human Services (DHHS) and provides two basic types of services. Eligible low-income persons, via local governmental and nonprofit organizations, can receive financial assistance to offset the costs of heating and/or cooling dwellings, and/or have their dwellings weatherized to make them more energy efficient. Find how to get help with heating bills from actual assistance programs offered by your local utility companies and local government. Or read more on LIHEAP.

Free and Discounted Home Heating Oil. The Citizens Energy Oil Heat Program has delivered millions of gallons of discounted and free home heating oil to elderly households and households that are struggling from emergencies such as a job loss. More.

The Weatherization Assistance Program will provide free weatherization services to those in need to help improve the energy efficiency of homes. Some services included are weatherstripping, attic insulation, minor home repairs, and other related energy saving measures that will help people lower their electric bills. More on weatherization assistance.

The Home Energy Assistance Program (HEAP) will provide financial help to eligible households who need help paying bills. The help will offset the costs of heating and/or cooling dwellings, and help offset those higher heating and electric bills. (Source

Charitable Organizations for help paying bills, and educational and employment opportunities

National organizations and charities can provide you with help paying credit card bills, health care expenses, rent, mortgages, car repairs, utility and heating bills, and they also offer free food. Organizations can also providejob training and employment opportunities. There are also charities and groups that provide multiple types of assistance. If you need help with your car, find ways to get a free car or gasoline.

American Red Cross – Local branches of the American Red Cross provide Americans with help paying electric and heating bills.

Gradient Gives Back Community Outreach Program – This program provides families with direct financial assistance, including rent and mortgage payments.

United WayNumerous utility companies across the country offer support and assistance to Americans to help them pay their electric bills.

American Veterans Relief Foundation – Aid military veterans and their family members when they are burdened with mounting medical bills and debts.

Catholic Charities – They will offer medical bill assistance to those in need of help with health care bills throughout the United States.

Free Diapers For KidsThe Diaper Bank (TDB) is a recently formed charity that provides and distributes free diapers to lower income families through existing service providers, including daycare centers, soup kitchens, food pantries, social service agencies, shelters and more.

Modest NeedsA charitable organization that helps with securing a variety of medical bill assistance. Grant and funds provided can be used to aid qualifying individuals include self-sufficiency grants, independent living grants, back to work funding and more. **I have personally used this organization when it was in its infancy and it had only a few supporters. I was blessed to have nearly $300 in bills paid before I embarked on a new journey to better myself and son. They do request income information to verify your needs as well as identity via fax and email. I highly recommend this charitable organization for help, to donate or to respond to someone else’s needs. Follow them on Twitter too @modestneeds

Find more local, state and private sources to get yourself out of financial debt, prevent utility shut-off, find education and employment help at Need Help Paying Bills Website.

I have finally realized that much of my financial debt and instability has been due to making bad choices and living much beyond my financial means. I thought I was providing a better home environment, but it has only caused more stress in our lives. I finally felt the lightning bolt strike upon me to open my eyes and SEE the consequences of my choices. I hope you are able to see where you need to go in the future, so as to not follow the same rocky path again.

Blessings to you….

2 thoughts on “Need Help Paying Bills? State Agencies and Private Charities Can Help

  1. Alicia R Young

    I have no other information to help you. I’m sorry, I don’t work for any agency or public assistance. God Bless.

  2. Doti Young

    Wow! What a service you provide to your readers. I only hope that more people will visit your blog and get the help they need.

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