What To Do When You Need Assistance Paying Bills
Inflation is making it harder to make ends meet. Even if you follow a strict budget that removes all luxuries and unnecessary expenses, you’re still spending a lot more than you used to on groceries, rent, and other necessities.
That’s why many Americans are looking for assistance paying bills. They’re in danger of getting kicked out of their home or having their electricity and water shut off. They’re even skipping important maintenance medication just so they can buy food or pay for childcare, which they need in order to work.
If you are in this situation, here are some ways to get assistance paying bills until you can get back on your feet.
How To Get Assistance Paying Bills
Contact Idaho Power
The Idaho Power program can provide assistance paying bills for electricity. You just need to call 208-388-2323 or 1-800-488-6151 if you are in danger of disconnection. They can help you get an extension on your bill, or arrange to make multiple payments on any outstanding balances.
To be eligible for assistance paying bills, you need to prove that you have members in your household (like children or seniors) whose safety or health would be jeopardized by any loss of service.
Apply For LIHEAP
LIHEAP stands for Low-Income Home Energy Assistance Program. This nationwide program helps low-income families pay for heating bills through a cash grant. If it is wintertime, or if your family is in immediate danger, you can even get a crisis grant.
LIHEAP is funded by the federal government and is open to all Americans who meet the requirements for income and household size. You just need to contact the Community Action Partnership (CAP) in your area.
Go to the LIHEAP website to find agency information. However, processing times and waiting lists are pretty long, so it may take time to get assistance paying bills. Start your application as soon as possible, but look for other ways to tide you over until your application is processed.
Approach Your Local Community Organizations
Government programs are notorious for their tedious applications and long approval times. In the meantime, try approaching smaller, local organizations like your church or community center. While they don’t have the big budgets of nationwide programs, they may be able to provide assistance paying bills for this month.
Keep in mind that this is not a long-term solution. They may be able to give a small amount, but it may not be able to cover everything. So, continue to send your applications for government aid.
Call The Utility Company
If you are in danger of disconnection and are still trying to find assistance paying bills, call the utility company to explain your situation and ask for an extension. Since many Americans are going through this situation, they may already have existing contingency plans for anyone who is going through a financial crisis.
They may be willing to move your deadline forward or offer you a smaller minimum payment. They may also create a payment plan for any backlog in bills, which allows for more manageable monthly installments. Some may even be able to refer you to non-government agencies or other organizations that can provide assistance paying bills. It won’t hurt to ask!
Apply For A Payday Loan
An Idaho payday loan is like a “cash advance” on your next paycheck. You just need to show proof of income, in the form of a paystub, and you can borrow a portion of that amount ranging from $100 to $500. This can help pay for bills or other necessities like food and gas.
You can apply for an Idaho Title Loans, Inc. payday loan even if you have a low credit score, and get approval within one or two days. Once your loan is approved, you can get the money that day or the next business day. It’s a fast way to get assistance paying bills, if you need to make a payment right away.
You will need a state-issued ID like a driver’s license or passport, your latest pay slip or paystub, and a blank check from an active checking account in your name.
Applying for a payday loan is really easy, convenient, and fast! To get started, complete the online inquiry form, which will send your contact information to the nearest Idaho Title Loans, Inc. branch. Once your information is received, one of our loan experts will call you to explain more about the loan, and its requirements, and answer your questions. Then, he or she will book an appointment for you.
Then all you have to do is go to the nearest branch to present the requirements for verification. Since you already have an appointment, you don’t have to wait for your turn—and the actual processing time is quick, and may even be completed in about 30 minutes.
A loan expert will be there to help you through each step of the process. He or she will check your documents for approval. If you are approved, you can get the money you need that day or the very next business day.
Get Immediate Assistance Paying Bills
When you have bills that need immediate attention, Idaho Title Loans, Inc. can help you raise the money for those bills as well as other urgent expenses. Just reach out to us through the online form for a payday loan consultation now.
Our loan representatives are waiting to help you get your finances back on track today!
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.