• Help with medical bills,
• Mortgage help,
• Debt help,
• Help with electric bills,
• Help with taxes,
• Free legal advice

These are five of the primary expenses that consumers need help paying in today’s challenging economic environment. Many states and local counties also offer government aid and administer assistance programs. Last, but not least, there are numerous charity organizations and community action agencies that can help.

Or, find an extensive list of how to get help and save on other bills, such as groceries and child care expenses to name a few. Discover how to earn free money in the form of 3-15% cash rebates on the shopping you do at national retailers, including Wal-Mart, and also find free government grants and low income assistance programs.

Challenge your property taxes

With people continuing to fall behind on their mortgages, and therefore causing housing prices to continue to decrease across the nation, you can contest your property tax assessment to lower your property tax bill. The success rate of doing this is very high due to the weak housing market. Find how to reduce your property taxes.

Payday Loans, Peer to Peer Lending, and low interest Credit Union loans

Learn the truth about the various loan types, including the negatives, and the situations in which they can be a great option to provide you help with paying bills. Read more.

If you are saying to yourself “I need help”, then the information you find here will provide you the resources you need to get assistance with paying bills, debt, mortgage help, and more.

Also, visit and register in the community forum to ask for and find additional help, share resources and programs, and to assist others in need.

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, community action agencies, and non-profits, 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.

Colorado Help With Paying Heating and Utility Bills

Property Tax, Rent, and Heat Rebate
This aid program is operated by the state Department of Revenue. It provides cash grants and tax rebates for home heating payments to certain residents. They must be at least 65 years old, be a surviving spouse at least 58 years old, or disabled. Qualified applicants can receive a property tax rebate of up to $600 and a couple hundred dollars directly or as part of their monthly rent payments.

Energy $avings Partnership Program 
The Partnership Program provides free energy efficiency services to lower income customers, the disabled, and seniors. Services provided can include an energy audit, wall, attic, and crawl space insulation, forced air efficiency assessment, air leakage reduction, appliance safety inspections, high efficiency lighting surveys and other safety inspections and ways to save energy.

Weatherization
The Colorado Energy $aving Partners (E$P) program, provides Weatherization services. They provide free and very effective energy efficient upgrades to Coloradans. The organizations involved have assisted with weatherizing more than 4,000 homes per year. Services provided include:

• Air leakage reduction
• • Complete energy audit
  • Attic, crawl space, and wall space insulation
  • Furnace efficiency assessment and improvement
  • Appliance safety inspection
  • High efficiency lighting survey
  • Inspection for other potential safety problems

  Weatherization benefits include:

  • You can lower utility bills by around 20%. One in four homes save 37% on their bills
  • Reduced energy and heating consumption
  • Overall comfort increased, as well as safety of the home

Colorado Aid and Assistance Programs

Find how to get grants and assistance in all areas, cities, and counties in Colorado, including Denver and Colorado Springs.

Telephone Assistance Program
This is a program that is run by the Colorado Department of Human Services and it will pay a portion of your monthly phone bill. You can be qualified for a discount from your phone company on your basic phone service.

Mortgage Help and Colorado Foreclosure Assistance
Locate programs and organizations in Colorado that will help you with paying your mortgage loan(s). The state also tries to reduce foreclosures. More.

Colorado Child Health Plan Plus (CHP+) 
A low-cost health insurance plan that is offered for Colorado's uninsured children and pregnant women. It is a health insurance plan available for children and pregnant women who cannot afford private health insurance.

Food Stamps Program
Assists lower income families and individuals who need assistance purchasing food. Helps ensure the nutritional needs of families are met.

Colorado Employment First
Increases employment opportunities for food stamp participants through referrals, support, accountability, and community work. Also provides advice on how to eliminate debt.

Colorado Child Care Assistance Program
This program helps parents afford childcare while they are actively working, receiving job training or looking for work. This program may also be called the Low Income Child Care Assistance.

Colorado Works/TANF
This will help strengthen families by providing cash grants, promoting opportunities for comprehensive job training, and fiscal support to state residents.

Legal Aid
Organizations and attorneys provide free or low cost legal assistance to low and moderate income families in Colorado. Click here to learn more.

Credit card help

Credit card companies are more willing to offer their customers debt help and assistance with paying credit card debt. Most companies offer numerous programs, including debt management plans, forbearance, hardship programs, and more. Last year, almost 3 million customers were signed up for these types of programs. They are willing to work with individuals as the credit card companies do not want to see their customers default. The reason being is in that case the credit card company will receive no payments from you. Get more information on credit card help programs.

Credit card hardship programs

If you are one of the millions of consumers who are behind on their credit card bills or debt payments, and you need help getting out of debt, consider credit card hardship programs. Continue.

Rent help

Many government programs, community action agencies, charities, and local non-profit agencies provide housing and rent help. Learn more.

Debt settlement programs

Many banks and credit card companies are now offering assistance in the form of debt settlement programs. Most are free to join and have low monthly fees. Learn more.

Stop debt collectors

There are steps you can take to either reduce or stop calls from debt collectors. They have certain laws and regulations they need to follow. Read more on how to get help from debt collectors.

Help with medical and hospital bills

Find programs and resources available to you that can assist you with paying off hospital and medical bills and debts. Some options include medical bill settlement plans, government programs, medical billing advocates, and more. Click here.

Free legal assistance

Attorneys from non-profit law firms can provide legal assistance to help prevent evictions, provide free foreclosure assistance, and legal help for utility service disconnections. Read more.