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.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 assistanceprograms.

Mortgage help and foreclosure assistance

If you need housing assistance, such as rent help, mortgage help or foreclosure assistance, read how the federal government, Bank of America/Countrywide, Citigroup, Wells Fargo, JP Morgan Chase/Washington Mutual, state governments, and many others are providing mortgage help and foreclosure prevention to millions of struggling homeowners in an effort to help them keep their homes and stop foreclosures. Many states also have government mortgage assistance programs, offer foreclosure mediation, and provide grants to help homeowners with their mortgages and to prevent or stop foreclosures.

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.

Kansas Assistance Programs

Find how to get aid and assistance in all counties and cities located in Kansas, including Wichita and Overland Park.

Assistance Programs

Child Care Subsidy Program
Helps pay for child care bills. It will assist many types of families, including lower-income, working families, families that are in education or training activities, and it will also help teen parents who are completing their high school degree or GED.

Kansas HealthWave (State Children Health Insurance & Medicaid)
Provides health insurance and help with medical expenses to children and young adults in Kansas. Premiums of HealthWave will range from $0-$30 per month per family, and there are no copays or deductibles that are needed to be paid for HealthWave.

General Assistance (GA)
This program provides cash grant benefits to people who are disabled. The program will only assist those who do not qualify for other federal or state assistance programs.

Successful Families Program
Provides assistance services for lower income families. Services provided include cash assistance grants, the program will help adults with finding a job, and it will also provide support services for training, work, work activities, and education. Debt consolidation and assistance programs may also be offered. More.

Food Stamp Program
This assistance program offers food assistance to struggling families and lower income families and individuals  to help them buy food from the local grocery store. This aid program also is intended to provide these lower income households with access to a healthy, nutritious diet.

Kansas Rent Assistance Programs
The Tenant Based Rental Assistance will provide families and individuals with housing aid. It provides up to two years of rent subsidies. In addition, qualified individuals can get funds for paying utility bill as well as security and utility deposits. Read more.

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.

• Prescription drug assistance programs:
  Prescription drug programs are offered by many states, companies and organizations to help people across the country receive free, or heavily discounted, prescription medications. More.
   
• Charities, churches and other assistance organizations:
  Find charities and other organizations that will help you with paying bills and debt, provide rent help, that offer free medical care, and provide other assistance. More.
   
• Mortgage help and ways to stop a foreclosure: 
  Learn about loan modifications from the government and other organizations. With a loan modification it is possible for a homeowner to get:
  • a reduced interest rate on their mortgage
  • late fees and/or charges may be forgiven
  • the repayment terms of your loan may be extended, and more
    
    The site Home Foreclosure Fighter (link below) will provide you with free mortgage modification proposals from mortgage servicers as well as modification specialists. To date, over 100,000 homeowners have been assisted with modifications.
  •  Register for free proposals.No obligation.
    

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.

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.

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.

Assistance From Kansas Cities and Counties

Douglas County (Lawrence)

Johnson County (Olathe)

Leavenworth County

Riley County (Manhattan)

Sedgwick County (Wichita)

Saline County (Salina)

Shawnee County (Topeka)

Wyandotte County (Kansas City)