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Florida is home to sun-set beaches, year-round warm temps, and a tourtists mecca. Unfortunately, no one anticipated the Gulf Coast Oil disaster and the fallout is crushing many Floridians. This resource page is dedicated to helping people in need.
Many people need help paying bills and debt in today’s challenging economy. Families need help so that they do not have to decide between paying their mortgage, credit card debt, food, rent, utility, or medical bills.
Find information on assistance programs, charity organizations, and other resources that will provide you with help paying your bills, mortgage and debt, show you how to save money, as well as provide some tips and ways to pay bills when money is tight. Many American families are struggling under an increasing number of bills, debts, and financial obligations. When you and your family are experiencing this stress, you need to reevaluate the situation, set priorities, and look for assistance.
Find programs and ways to get help with bills and debts, including:
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.
Florida charities and organizations help with bills.
Government Programs for Mortgage Help and Foreclosure Prevention
|Gulf Coast Recovery Fund|
Since April 20, 2010, when BP’s Deepwater Horizon oil rig exploded, hundreds of thousands of gallons of oil have spilled into the Gulf of Mexico every day. While the long term environmental damage can only be imagined, the immediate impact on the residents of the Gulf Coast is already being felt. The regional fishing industry could lose billions of dollars, people are out of work and an already struggling community is facing tremendous economic challenges.
Donations can be made online or by check (note: Gulf Coast Recovery Fund in the memo section) to:
Florida Health Care Access Program
This program will make quality, affordable health insurance and full access to health care available to Florida’s almost 4 million uninsured residents. The six health insurance carriers that are in this plan currently offer over 20 health insurance products to Florida residents, and each health insurer offers at least two benefit options. They include a catastrophic plan with hospital coverage and a preventive care plan.
Florida KidCare is Florida’s low cost health insurance plan for children under age 19 and who are not insured or under insured.
Florida Foreclosure Assistance and Mortgage Help
The Florida state government has some ways to get help with your mortgage. Click here to find options.
In addition, the state of Florida has also created a new foreclosure mediation program.
Food Stamp Program
Helps low-income Florida households to buy nutritious food. A food stamp household is normally a household, or group of people, that live together and that also buy food and prepare meals together.
The SUNCAP assistance program is a special Food Stamp Program that is for individuals who currently receive Supplemental Security Income (SSI).
Temporary Cash Assistance (TCA)
The TCA program will provides cash assistance and grants to those families that have children under the age of 18 or under the age of 19 if they are full time secondary school students. The children must also meet the technical, asset, and income requirements. This aid program helps families become self-supporting while also allowing children to remain in their own homes. In addition, pregnant women may also receive TCA assistance, either in the 6th month of pregnancy if unable to work, or in the 9th month of pregnancy. Parents, minor siblings, and children who live together must apply together.
Florida Lifeline Assistance Program
Receive free phone or cellular service. The Lifeline program provides either a $13.50 credit per month on a phone land line bill or it will provide approximately 60 free cellphone minutes per month. Safelink offers this service in Florida. Almost 600,000 families participate in the program.
The organization Home Foreclosure Fighter provides Florida residents loan modification proposals. There is no obligation and the proposals are free.
Avoid Foreclosure. Modify Your Mortgage. Free Proposals. No Obligation.
Free legal aid
Find information on non-profit law firms in Florida that provide free civil legal services for low to moderate income families throughout the state. Read more.
A program that will provide medical coverage and grants to lower income families and individuals. The state of Florida and federal government both share the expenses and costs of the Medicaid program.
DCF determines Medicaid eligibility for:
Low income families with children
Non-citizens with medical emergencies and bills
Aged and/or disabled families or individuals not currently receiving Supplemental Security Income (SSI)
Assistance From Florida Cities and Counties
Bay County (Panama City)
Brevard County (Titusville)
Broward County (Fort Lauderdale)
Charlotte County (Punta Gorda)
Citrus County (Inverness)
Clay County (Green Cove Springs)
Collier County (Naples)
DeSoto County program to delay foreclosures (Arcadia)
Duval County (Jacksonville)
Escambia County (Pensacola)
Flagler County (Bunnell)
Hernando County (Brooksville)
Highlands County (Sebring)
Hillsborough County (Tampa Bay)
Indian River County (Vero Beach)
Jackson County (Marianna)
Lake County (Tavares)
Lee County (Fort Myers)
Leon County (Tallahassee)
Marion County (Ocala)
Manatee County (Bradenton)
Martin County (Stuart)
Okaloosa County (Crestview)
Orange County (Orlando)
Osceola County (Kissimmee)
Palm Beach County (West Palm Beach)
Pasco County (Dade City)
Pinellas County (Clearwater)
Polk County (Bartow)
Putnam County (Palatka)
Santa Rosa County (Milton)
Sarasota County foreclosure assistance
Seminole County (Sanford)
St. Johns County (St. Augustine)
St. Lucie County (Fort Pierce)
Sumter County (Bushnell)
Volusia County (DeLand)
Florida Energy Bill Programs
Low-Income Home Energy Assistance Program
The Florida Low-Income Home Energy Assistance Program will provide help through grants to local governments and also non-profit agencies. The funds are to assist eligible low-income households in meeting the costs of home heating and cooling bills.
Weatherization Assistance Program
The goal of this program is to lower the monthly energy burden and bills on lower income households by improving the energy efficiency and utility bill savings of the home. Types of assistance provided include.
Fix or replace hot water heaters.
Replace or repair inefficient heating and cooling units.
Address air infiltration by improving weather stripping, thresholds, caulking, minor repairs to walls, ceilings and floors, and also door and window replacement.
Install floor or attic insulation (floors in northern Florida counties only)
Operation Round Up
Most of Florida’s utility companies participate in this program. Cash grants and funds can be distributed to struggling families. The money can be used for food, rent, shelter, clothing, medical bills, health needs, and utility bills.
Project Care and Project Share
Project Share funds will help pay for emergency energy-related costs, including electric, gas, or oil bills and also pay for the repair of vital heating or cooling equipment. Project Care are one time cash grants paid for utility expenses.