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help paying rent

 
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PittsburghMomma  

Find help paying your rent

You can find help with paying your rent from assistance programs offered by your state, the federal government, or other independent organization and charities. Or if you are being evicted because your landlord is facing foreclosure, read about your tenant - landlord foreclosure rights.

State Assistance Programs and Organizations

  • Many states and local governments have government run organizations and agencies that can help you with paying your rent, security deposit, and other housing expenses. For example Massachusetts offers RAFT, the TDHCA rent assistance program in Texas, the Florida EFAHP program, Connecticut RAP, and many others. Contact the Assistance Agencies and Programs in your state to find rent help, or your local community action agency for rent help.

 

 

Short Term Loans

  • Salary Advance Loans, Payday Loans, and Peer to Peer Lending:
    Salary Advance Loans are a relatively new low interest loan product offered by credit unions to help those in need quickly get cash, and they can be used to help with rent. Peer to Peer lending involves receiving loans from social networks at lower interest rates than banks and payday loans. Payday loans are another option to help pay rent, but they will have a higher interest rate than the previous two options.  More.

     

Charities and Other Local Resources

  • You need to look to your local community and charities:
    If you are experiencing a difficult time in paying your rent for a month, you should contact community and local agencies that may be able to help you with paying rent and security deposits. There are many community, religious, and charitable organizations that will sometimes have funds that can help many types of people who are having financial difficulties. Some of the organizations on the list, such as the Salvation Army and United Way can assist with rent. See the following link of organizations that can help. There are also charities and organizations referenced that can help with utility and heating bills.  Resources provided are often one-time-only or they are given on a first-come-first-served basis, so you should not depend on these sources over the long term. Calling these organizations, even if you are affiliated with their group or a member, can sometimes get you the help you need. Or they can many times refer you to an agency that can help with paying rent and bills if your need is great. Some examples of agencies that can help include Catholic Charities, Social Services, United Way, American Red Cross, Salvation Army, and Legal Aid Society. There are many others.

 

  • Churches provide rent assistance:
    Many local churches are increasing their assistance programs, including offering more rent help, electric bill aid, and more.

     
  • Check your eligibility for government resources:
    If a member of your household, or you personally, are a veteran you may very well qualify for government assistance that can help with paying your rent, bills, or debts. You need to contact your local veterans association for more eligibility requirements and more details on these rent assistance programs for veterans.

     
  • Communicate:
    Contact your creditors, as well as your landlord, and communicate with them and tell them exactly what is going on. You need to be very honest about every part of your financial picture. You can ask for a lower temporary rent payment, or even ask for a skipped payment schedule. The landlord and creditors will appreciate you being proactive, and in many cases they would rather keep you as a tenant than have to evict you, as it can cost them thousands of dollars to go through the eviction process, market the site, find a new tenant, run background checks on the new tenant, etc. It is many times in their best interest to work with you.

     
  • Reduce expenses:
    You need to immediately reduce your expenses. Cancel everything that you can - cell phones, cable TV, processed foods, etc. Eat as cheaply as you can like mac & cheese, use powered milk, etc. As every dollar in lower expenses can help with paying your bills and rent.

     
  •  Contact your utility company:
    You need to ask them what kind of payment plans they have for people in need or experiencing financial hardship. You may have to show them a lot of documentation of your condition, but it will be worth it if you can save on or skip a couple electric bills. You need to free up money by saving on utility bills.
reply to PittsburghMomma
halana  

About halana

Hello my name is Helena and I live in Bremen,GA this fine looking little man is my first granbaby his name is Collin was born with Hemophilia altho he looks healthy he spends alot of time at the hospital having tests done so forth. For those of you who dont know what that is its what they call a free bleeder he dont have what we have to make it clot and stop so every bruise cut bump or what ever he has to have a special IV to help him. {pray for him} he is a normal toddler and he is learning to stand and crawl and of course he has had more trips than we count since he started. Anyway he lives me rite now along with his mom and dad and my husband who at the moment happens to be the only one working. Well to cut a long story short We live in our home for over 12yrs now last year I decided to apply for a loan modification to get the percent rate lower only I didnt know the bank had special departments that pretended to care and want to help by extending a helping hand while the other department gets in gear to take everything you work hard away. And thats what happen I was working with one branch in Tennessee they told me we was approved they told me they just needed a few more papers then we get a notice of sale and just like that it was sold and now were homeless well technically not yet have till Sept 1 2010 find a place for 5 people to stay with animals and 12 yrs worth of stuff and not enough money to go with. Weve paid mortgage so long we are lost and dont know where to begin. We have managed to hold onto a little but we have been sending the mortgage company most of what we had thinking we were staying. If theres such thing as a Guardian Angel or An Arch Angel I need one now. We just found out my husbands dad has cancer and he isnt doing to good. As if all this wasnt enough my husband was just told his company was laying  him off. isnt that just great. Well now Im beginning to wonder if there really is such thing as heaven and the angels cause why would some one that sounds so giving to some and loving to others let things like this happen? I used to believe espcially after my husband flipped his 4runner on his way to work and got hurt really bad he had to have an angel in the vehicle with him theres no way he would have made it thru it. But all this hitting one family back to back like this just pushes me to believe maybe that it was just a fluke or he had a hard head. Is there any one out there that can lend a helping hand or shoulder for a stranger to cry on and maybe lean on? We are a kind decent family Ive taken in 2 homeless girls and helped them till got on their feet got their on place and even got their children back made me so proud. Now look one good deed turned knocks the bad into place I guess. Anyway My email address is helenaharbuck@aol.com maybe there is some one out there. Thank you all for reading my post.

reply to halana
RMommyJulie  

Summer cooling assistance

Summer Crisis Program

A special component of HEAP, the Summer Crisis Program provides summer cooling assistance for low-income elderly households and for Ohioans with qualifying medical conditions. The program applies to electric utilities only.

What are the benefits?

One-time payment assistance of up to $175 to be put towards:

  • Electric bill payment,
  • Air conditioning unit, or
  • Fan

Who is eligible?

  • You do not have to be enrolled in PIPP or have received a disconnection notice to be eligible for the Summer Crisis Program.
  • Households must have a gross annual income of 200 percent of the federal poverty level and meet one of the following criteria:
    • Have a member of the household who is at least 60 years old; or
    • Provide physician documentation of medical necessity.

How do I sign up?

Applications for the Summer Crisis Program are accepted from July 1 through August 31. Contact your local community action agency to sign up.
www.puco.ohio.gov

reply to RMommyJulie
Jessicaneedshelp  

About Jessicaneedshelp

Hello everyone! My names Jessica, im a single, 20 year old, full time waitress. Last July me and my (at the time boyfriend) got a trailer together, and signed an 18 month lease. Well, my boyfriend left me about four months ago, so im stuck paying for a place i cant afford! Im on as much state assistance as i can be, food stamps, rental assistance (only takes 80 off my rent), and i was on heating and gas assistance but it ended since spring time has arrived. I work 5 days a week, and im willing to work more when possible. Work has been so slow, last week i had three days that i didnt have ANY customers in, and on the others it averages 2 or 3 people. Im 2 and a half months behind on rent, i paid half for this month so far. If there is anyone that can give me immidiate assistance, please reply to me, any suggestions or ideas how to help my finincial situation, im open for whatever!

jessica

reply to Jessicaneedshelp
oKwerKy  

About oKwerKy

Wow, where to start? How about I start with where I am at right now...! The background story would take me hours to type because it started back in 2005 when I was diagnosed with a chronic illness. It was unexpected and I was young, just getting married and making a great living in a professional environment. I had every kind of insurance, a fat 401(k) considering my age and the market, etc. I had a brand new sports car (mini cooper) and I was really, really happy and felt healthy and good.

 

Fast forward to present time, as I sit here in cheap hotel with my husband and dog. We haev no money and have no idea how we are going to pay for a place to stay and I refuse to put my dog in a shelter. She was abused before we adopted her from the humane society and I'm afraid she doesn't do well with others and I'd cry forever if something happened to her. Plus I made her a promise when I got her that  I would take care of her and be her "everything" no matter what. (It's only fair since my husband and I really are the center of her life! like it or not) So...we have no money, no savings, nothing of value, etc. Oh and I sold the mini ofter a year ago to put on a downpayment for a lease-to-own house ($5K). We were evicted from that house almost a month ago. The deposit=nonrefundable and I feel like the biggest idiot in the world because we got scammed. We *will* litigate because the eviction was also wrongful. We were able to obtain federally-funded assistance (HPRP funds) and paid all of the past due rent. Idiotic landlord piggybacked off of the orignal writ to have the constable come out. And remove mostly all (still thinking of stuff that they didn't get out of the back  yard) of our  belongings and put them in the front yard. While it is not legal to do this in the rain, apparantly there is no law against doing it 30 minutes before it rains. It rained for two days and most of our stuff is going to be ruined. We haven't had time to go sort through it beecause we've been trying frantically to find a place to live (with an eviction on my husband's record--don't know why, but I wasnt included in the suit). I'm devastated that my family hasn't offered to help in any way (and I've asked). I'm not a bad person and we're not drug fiends or difficult people (nothing against drug fiends, but sometimes they can be troublesome to deal with).

 

So, we have no money and need a place to live. Oh, and I haven't filed for social security (but need to do so ASAP) and my private insurer stopped paying me 2 years ago. I've been just trying to "hang on" because I've been just that sick. i was hospitalized last august and they finally figured out the root of my problem, so have been doing slightly better for past 6 months but I am still unable to work (which kills me since I was a workaholic before this...totally mourned losing my career at brokerage firm because apparently it defined me or something). My husband is unemployed, but has been diligently looking for a year now. If he was just able to look for work, it would be easy but he has to take care of me and has been trying to keep our electircity and such on at the house (that we no longer reside in). We're below the mean poverty level or whatever. We lost our health insurance. We are  so incredibly screwed when you read it on paper.

 

I have faith that things will work out...and everything I've been through has made me stronger person...and I've  tapped into this creative side that was buried so I plan on changing career path. But...where are we going to sleep tomrrow? 

 

We've only slept in the car once because we've managed to  use every cent of our money for this dump. I've looked for help/assistance but most of them will only help if we're in a shelter...and again, I can't leave my dog behind anywhere (even temporarily).

 

We lived in Fort Worth, are staying in North Arlington and plan to move to Dallas. Does anyone know of any good, relevant and *current* resources to utilize? We mainly need rent assistance (we're in proc of applying for food stamps), help with security deposits, etc. as well as other basic stuff. A loan would be amazing! I can do things to work in exchange for assistnce too...so, while financial "help" is always kind and appreciated, I don't expect it to be given to us.

 

We just need major help gettig back on our feet. We're both college grads from good schools...I didn't see this in the cards. I try not to get sad, but when I let myself slip into that depression, it's like a neverendig pit (I am on antidepressents as I suffer from major clinical depression) So...I'll end it there....does anyone know of something/someplace/someone/? I can turn to?

 

Help is beyond appreciated at this point.

 

Kind regards,

Riley

reply to oKwerKy
MILF4  

About MILF4

Young mother of 4 children is in need of steady income....located in Tempe, AZ area. Any ideas appreciated. I still need to pay rent. I do not recieve child support, yet a case is open.

reply to MILF4
Burza  

About Burza

I was working at Request foods through Manpower with the thought that they were going to hire me because I had been there for about four months I moved out of this half way house so i saved money and got a two bedroom appt and a buddy and I moved in rent is $500 a month plus utilities which comes up to about 630 a month at the most that is for electrci and gas we are all caught up almost for dec we have a 60 dallor late fee on dec 24 our next month rent is due my roomate is leaving and going back to the half way house I have came way to far from homelessness to where i am now and if i could have a few months paid even one hopefully i can find a job i have been out looking everywhere one wll come along soon if i keep praying amd i am just lost right now  

reply to Burza
needhelpnow11  

About needhelpnow11

We  are a family of 5 with a 16 month old child. We need help paying our rent. We just received a 3 day notice and need the funds fast.

reply to needhelpnow11
Vette  

About Vette

reply to Vette
tone1  

stroke of bad luck

i had an accident while i was salmon fishing which resulted in losing my left eye. due to that i have not been able to work. now sent is due and i have no way to pay rent.

reply to tone1
BIG T  

About BIG T

IM A 45 YEAR OLD MALE ,THAT HAS BEEN DENIED SSI FOR THE LAST 7 YEARS ,IM AT MY PEAK.

I HAVE MAD MAINTENANCE SKILLS THAT ARE GOING TO WASTE,IM TOLD BY MY DOCTORS THAT I CANT WORK,I CANT DRIVE OR USE ANY POWER TOOLS,ETC.

IM TOLD BY THE SOCIAL SECURITY ADM. THAT I DONT HAVE ENOUGH WORK CREDIT TO RECIEVE MY SOCIAL SECURITY,IM ALSO TOLD THAT IM DISABLED TO WORK MY PREVIOUS JOB AS A MAINTENACE TECH,BUT NOT DISABLE TO WORK ANOTHER FIELD OF WORK!

I HAVE BLACKOUTS AND TROUBLE BREATHING AT TIME,AND A VERY BAD CASE OF SLEEP APNEA ,MY CURRENT INSURANCE,MEDICADE WILL NOT PAY FOR THE CPAPE MACHINE THAT I NEED TO HELP ME SLEEP ,SOME TIMES I STOP BREATHING IN MY SLEEP,I HAVE 2 SLIP DISC IN MY #NO2 &3 LOWER LUMBAR WHICH CAUSE ME TO BE IN PAIN ALOT, BECAUSE I DONT GET A GOOD NITE SLEEP IM UP OF AND ON ALL NITE AND DURING THE DAY BETWEEN THE MEDICINE AND THE LACK OF SLEEP IM CONSTENTLLY FALLING ASLEEP WHICH MAKES ME NONE PRODUCTIVE FOR ANY EMPLOYER!!!!!!!!!

IM CURENTLY STAYING WITH MY SISTER AND SHE IS ABOUT TO MOVE AND DOWN SIZE TO AN APARTMENT,SHE IS ON SECTION 8 AND IS NOT ALLOWED TO HAVE ANYONE LIVE WITH HER EXCEPT HER KIDS!

SO IM IN NEED OF SOME SERIOUS HELP IN FINDING SOME SHELTER IM NOT ON DRUGS OR ALCOHOL I DO GET FOOD STAMPS SO I CAN FEED MY SELF,I JUST NEED HELP PAYING RENT FOR A ROOM OR APARTMENT!!!!!!!!!!!!

PLEASE HELP ME IF YOU CAN!!!!!!!!!!!!!!!!

GOD BLESS YOU ALL

BIG TERRY

reply to BIG T
Asinglewoman   in reply to SysBot   on

Aidpage group discussing "help paying rent"...

 in response to mother of 6...   

Have the babies daddy get a job.....what the fuck.....

reply to Asinglewoman
Shannon4695  

About Shannon4695

Need help paying rent. I am single female with child and currently working part time. I can not find full time employment or second job. Rent is 211.00 a week and am two weeks behind. Does anyone know of any charities that help pay rent in Montgomery, Alabama?

reply to Shannon4695
Ms. Brown  

About Ms. Brown

Hello, I am a single mother of 3(ages 3,9,11), I work full time and am also a full time student. I am looking for assistance in paying back rent to avoid eviction.  I like many others am living check to check. I missed a few weeks of work being out with my son during his surgery and needless to say I fell behind on my bills. I am slowly getting the utilities caught up but desperately need help with the rent.  I am behind $1840 and any contributions would help, whether .50 cents, $1, $5 every little bit would be appreciated.  I am even willing to set up a payment plan to pay it back if need be. No money has to ever touch my hands, I can give you the name, address and phone number to my apartment rental company. I have been to local charities who tell me my income is too high to qualify for assistance and my church can't help with the funds either. It's funny how my job is the one thing stopping me from getting assistance.  If I had no income then the local places would assist me. My mother is no longer living and my father is pretty much in a similar situation as he was just layed off and his wife is carrying all of their bills on a smaller income than mine. Again, I would be extremely grateful for anything someone could bless me with. Thanks!

reply to Ms. Brown
CHRIS626  

About CHRIS626

HI MY NAME IS CHRISTINA AND IM IN NEED OF HELP WITH PAYING MY RENT IM FROM GEORGIA AND I CAME OUT WEST WITH BOYFRIEND AND SOON AFTER WITH WENT DIFFERENT WAYS AND IM STUCK HERE IM WORKING BUT CANT SEEM TO GET CAUGHT UP!!! (PLEASE COULD SUM1 HELP ME)
reply to CHRIS626
mother of 6   in reply to SysBot   on

Aidpage group discussing "help paying rent"...

Hi

 I am a mother of 6 daughters. My divorce was finalized in 2004. It was 2 years long. I have custody of all of my children. I live with my 2 youngest daughters father but combined income doesn't pay for all the bills. I am looking for some assistance in paying rent this month and next month. I am already 1 day late on my rent which is 1575 so now I have to pay 1625. I have aleady tried with the city welfare although we do qualify my landlord doesn't accept it. I am asking for some help as I do not want to have to be put out on the street for the winter time the shelters hear are maxed out. I can't move into a cheaper place becasue noby wants to take six children they rather just take the adults and one child and the dog.  Any one knows what to do please let  me know thanks.

reply to mother of 6
gabrielwiz  

About gabrielwiz

I AM THE VICTIM OF VEHICULAR ASSAULT I AM BEDRIDDEN AS A RESULT MY ROOMMATE HAS TO TAKE TIME OFF HER JOB TO HELP ME I NEED HELP PAYING MY RENT AND BILL NOW

reply to gabrielwiz
sedregr1981  

About sedregr1981

I need help paying my back rent.  I have lost my partner, job and all assets within the last year and do not have any prospects of finding a new job due to the economic situation.  I do not know where to turn as my family has had nothing to do with me since I was 16.  I have attempted to apply for financial assistance through several different agencies and have been declined due to the fact that I have no children.  Please let me know if you can provide any assistance or information that could help me in any way.  Your assistance is greatly appreciated. 

reply to sedregr1981
brandy2778  

About brandy2778

Hello All,

I am a single mother of five, living in Washington DC. I recently started working,but a little too late for christmas. I need some help purchasing a few things for them for christmas. I was in a really bad situation with my rent and was fortunate enough to get help paying four months of rent, I still owe $300 but it is better than owing $3000. My children 2 daughters ages 12 and 10 and 3 sons ages 9, 8,7. I love my children very much and want to see them have a beautiful christmas, I just need some help doing that. So if you are able to lend a hand it would greatly be appreciated. My contact info is : Brandy Tillery  202-621-6807 or email brandy.tillery@gmail.com.

reply to brandy2778
Fury  

About Fury

I am a mother if 4 children and my husband lost his job about 2 months ago. I owe august and septembers rent. its like 2500.00 total. I can feed my family or pay my bills. Can anyone help just pay my rent I will get food off off of family if I can. Please! you can even mail the rent directly to the lasndlord. Please someone who is kind help us. I dont want to be homeless with 4 kids.

reply to Fury