Help with bills, mortgage, and debts

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:

• 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.

Get help with paying debt.

There are many ways to get out of credit card and medical debt. You can consolidate debt, get up to 60% of your debt waived or even completely eliminate your debt from various programs offered by credit card issuers, many private companies and other organizations. Many credit card issuers are now offering more assistance to consumers from credit card hardship programs and similar assistance plans. According to studies, almost 3 million consumers were signed up for hardship type plans last year.

Also, there are steps that you can take yourself that can help you reduce your debt. Consider that according to the Federal Reserve, the total amount of credit card debt owed by Americans reached almost $965 billion in 2009, which is an increase of 25 percent in the past decade. This shows that families need all the assistance they can get to become debt free and settle outstanding bills. A good place to start is with defining debt consolidation and the types of debt consolidation.

Assistance From Idaho Cities and Counties

Ada County (Boise)

Bannock County (Pocatello)

Bonneville County (Idaho Falls)

Canyon County (Caldwell)

Kootenai County (Coeur d Alene)

Twin Falls County

Idaho Energy Bill Assistance

Low Interest Energy Loans
Low interest loans are provided to help pay for energy saving improvements that can help lower Idaho families utility and heating bills.

Low Income Home Energy Assistance Program (LIHEAP)
This is federally funded energy program ion which the goal is to help eligible households pay their home heating and utility bills. The LIHEAP program in Idaho helps tens of thousands of families every year help pay all types of energy bills.

Idaho Weatherization Assistance Program
This program provides measures to lower income households that will assist them with improving energy efficiency and decrease energy bills. The assistance program is available year-round to both renters and home owners.

Idaho Energy Bill Assistance

Low Interest Energy Loans
Low interest loans are provided to help pay for energy saving improvements that can help lower Idaho families utility and heating bills.

Low Income Home Energy Assistance Program (LIHEAP)
This is federally funded energy program ion which the goal is to help eligible households pay their home heating and utility bills. The LIHEAP program in Idaho helps tens of thousands of families every year help pay all types of energy bills.

Idaho Weatherization Assistance Program
This program provides measures to lower income households that will assist them with improving energy efficiency and decrease energy bills. The assistance program is available year-round to both renters and home owners.

Idaho Aid and Assistance Programs

Find how to get help, grants, and assistance in all cities, counties and areas of Idaho including Boise.

Assistance Programs

CHIP
An assistance program that provides low or free health insurance to both working and non working families to help them pay medical bills.

Operation Roundup
This is an assistance program offered by many utility companies that can help both with utility bills and other bills. The aid from this program is used to address needs such as clothing, food, shelter, medical bill, utility bills, and education expenses, but help provided is not limited to just these categories.

Access Card
Assists families with buying health insurance for qualifying children. The Access Card is a premium medical assistance program that is administered in partnership with Idaho insurance carriers.

Access to Health Insurance (AHI)
Helps employees of small businesses enroll in employer-sponsored insurance. It will also assist their families

Idaho Child Care Program (ICCP)
Helps lower income families in Idaho pay for child care. This program is for parents who either work or are attending school.

Temporary Assistance for Families in Idaho (TAFI)
The goals of TAFI program are to provide employment opportunities for families and to support and encourage both personal and family responsibility. This program focus requires more than government aid alone can or should provide.