Whether it's simply being a part of a dying economy, or working for a company that's recently downsized, or being the victim of an unscrupulous mortgage lender, more people are in dire need of financial help than ever before, and many don't have any idea where to turn or what to do to get it. And, today with frequent talks of a recession, companies outsourcing and laying off employees, the average person can't help but be concerned with their financial future.
If you are seriously in debt and are a legal resident of the U. S. , government debt relief help may be the answer you're looking for. Did you know there are countless programs in place to assist people with their financial hardships? Or, that there are food assistance programs and those designed to help defray the costs of utilities?
There are even low-interest loans through the government that are available to people who have been the victim of a natural disaster, or for those needing assistance with the cost of education or their housing. Also, if you're a veteran, there are numerous programs to take advantage of as well as for those who are starting a business.
Low Income Home Energy (Heating and Cooling) Assistance Program (LIHEAP) is another form of government help available to those who meet certain criteria. Grant monies are allocated for this program for those who are unable to pay their heating bills, and with soaring gas prices, more and more people may need to take advantage of this particular program.
Food Assistance Programs
In addition to the Food Stamp Program, which has local offices that will be listed in the government section of your local phone book, that provides a certain amount of benefits per month depending upon factors such as the number of people in the household, income, and whether or not anyone is disabled or over the age of 60, there are still other food programs to consider.
The WIC program, for Women, Infants and Children, is headed by The Food and Nutrition Service (FNS), which is a federal agency, and provides food to women with low incomes who are pregnant, as well as those with infants and children up to the age of five years old. Another similar program for new and pregnant mothers with children up to the age of six as well as for people over 60 who meet the minimum income requirements is the Commodity Supplemental Food Program (CSFP), which also has offices in every U. S. state.
Government debt relief in the form of grants are tax free, interest free and don't need to be repaid like loans do, however, there are many specific requirements for the equally numerous number of grants available. Just a few of the groups that government grants cater to are single women, minorities, the disabled, those who are in serious debt, and the struggling, small business owner. All grants have a set application process that must be followed to the letter as well as deadlines in place, many of which occur during the first or early second quarter of the year. If you're deeply in debt due to education costs and student loans, grants abound in the form of scholarships awarded by the government.
Credit history and matters such as bankruptcy or the need for collateral or co-signers don't apply when it comes to government grant debt relief help, all that does matter is that you are able to demonstrate a legitimate need, are a taxpayer and a legal resident of the United States over 18.
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