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There is no one easy answer to the grants available to pay off credit card bills, because there are no programs in the government that is called "credit card bills." However, there are hundreds of programs that offer grant money that can be used to pay any bill like credit card bills, and there are also programs that offer free money to pay specific bills, like health care, prescription drugs, etc.
I know it is difficult to always be trying to get ahead of the game. Especially when it seems like no matter what you do you still can't get ahead of it. So let's get started with some sources that might get you going to where you want to be:
There are a number of national groups that provide free money and services through a network of local offices. Check each of the groups below and see what their local offices have to offer.
Over 1,000 local non-profit offices offer free money and help to improve your life in almost any area. Although these agencies do get money from the federal government, they also get money from other sources, and as a result, no two of these offices are exactly alike. But most of them help in the area of employment, bill paying, child care and self employment. The following is a sample of programs you will find when you contact an office near you. Along with the program, we also identify the local agency providing this program. These programs are specific to these areas. Check with your local office to see what they offer.
Get a $3 grant for every $1 you saveCommunity Action Partnership http://www.managingmymoney.com/
Free Cars, if you pay repairs and registrationCAP Agency Shakopee, MN http://www.capagency.org/pages/service.htm
Eviction PreventionTEAM, Inc Derby, CT http://www.teamcaa.org/housing.htm
$10,000 to start a businessCommunity Action Program, Inc of Western Indiana http://www.capwi.org/new_page_9.htm
$700 for child careCommunity and Family Services, Inc. Portland, IN www.comfam.net/pages/childcare.html
$350 for an air conditionerCity of Des Moines, Iowa http://www.ci.des-moines.ia.us/departments/CD/Comm%20Serv/L-I%20Assist%20Programs.htm
$1,000 to repair your furnaceCity of Des Moines, Iowa http://www.ci.des-moines.ia.us/departments/CD/Comm%20Serv/L-I%20Assist%20Programs.htm
To find a community action agency near you go to: http://www.communityactionpartnership.com/about/links/map.asp or contact Community Action Partnership, 1100 17th St NW Suite 500, Washington, DC 20036; 202-265-7546; Fax: 202-265-8850; www.communityactionpartnership.com; Email: firstname.lastname@example.org;
If your local agency doesn't have what you need, ask for names of other organizations that might be able to help.
You live in America and pay taxes. You have a right to know about and use these programs. If you run into a road block, don't let a little negative feedback stop you. Try the next program, and then the next. And then start looking for more. This country has so much to offer, but you have to find it.
There are 2 major sources for finding money from these groups:
A. The Foundation Center of New York City maintains a database of all foundations that provide money to non-profit organizations or individuals. Their information is available on the web at http://fdncenter.org or from their participating libraries by contacting 212-620-4230 (or they are also listed on the website).
B. The Guidestar company in Williamsburg, VA also maintains a database of foundations and they can reached at 757-229-4631 or at www.guidestar.com. Much of their database is accessible for free on the web.
There are a number of national volunteer organizations around the country that offer grants and other free services to solve problems for people in their community. The Lions Club awarded over $340 million in grants since they started, and the Kiwanis Clubs give out over $100 million every year.
Find your local club for each of the organizations below and contact them for information on their programs. If they do not have an ongoing program that specifically suits you, you can ask if you can send a letter of request for their consideration. It can't hurt to ask. We've used these clubs in this way to help people in our "Show Me The Money Contest."
These organizations run programs that offer money for: - day care services- summer camp- scholarships- travel- free eye glasses- cataract surgeries- health problems- travel- medical equipment, and- money for emergencies
To learn of all housing programs available from the federal government, you need to look in the Catalog of Federal Domestic Assistance (the government's money book). You can search housing online at www.cfda.gov. You can also check out programs at the U.S. Department of Housing and Urban Development at www.hud.gov But basically what you do is review every program closely and contact everyone that has even a remote possibility of helping you.
There is a large collection of hundreds of programs around the country offering money or discounts to help people pay their utility bills. Although most of the grant programs have income limits, there are discount programs that have no income limits. To find programs you may qualify for in your area you must search: 1) your city or township government, 2) your county government, 3) your state government, 4) local non-profit agencies and local development corporations, and 5) as well as your utility company. Make sure you check with all of the following offices for help in locating appropriate organizations in your area: 1) your local library, 2) your local elected officials, 3) your local United Way, and 4) all housing agencies in your area. Local government offices can be identified at www.govengine.com and your local United Way can be identified at http://national.unitedway.org/myuw/. Listed below is a sampling of similar local programs around the country. You can also contact your local area office on aging by calling 1-800-677-1116 or go to http://www.aoa.gov/eldfam/How_To_Find/Agencies/Agencies.asp
You should also seek out your local community action agency near you to see if they have a program to help you. You can find your local agency at www.communityactionpartnership.com/about/links/map.asp or by contacting Community Action Partnership in Washington, DC at 202-265-7546
A lot of Local Utility Programs can be identified on the web by going to www.hud.gov, then choose your state under the title "Information by State." Most state pages have a link called "Renting Help Page." Click there even if you are a homeowner. Most Rental Help pages have a link called "Help With Your Utility Bills," which describes programs for both renters and homeowners.
Listed below is a sampling of the types of programs that are available around the country.
1) Seniors Making $24,400 Can Get $280 Discount Energy Assistance Program Rate, Sacramento Municipal Utility DistrictSacramento. CAhttp://www.smud.org/residential/bill/eapr.html
2) 50% Discount For Seniors 65+ Making $31,992Utility Discount Program, Mayor's Office for Senior CitizensSeattle, WAhttp://www.cityofseattle.net/humanservices/mosc/utility_discount_program.htm
3) 25% Discount On Water, Sewer, And Solid Waste For Seniors Making $19,248Low Income Assistance Program, Tacoma PowerTacoma, WAhttp://www.ci.tacoma.wa.us/power/ResidentialServices/low_income_assistance.htm
4) Pay Only 10% Of Income If Income Less Than $19,245Percentage of Income Payment Plan, Public Utilities Commission of OhioOhiohttp://www.puco.ohio.gov/PUCO/Consumer/information.cfm?doc_id=93
5) Pay No More Than 6% On Utilities If Income Under $24,464Universal Service Fund New Jersey Board of Public UtilitiesNew Jersey http://www.bpu.state.nj.us/home/USFQA.shtml
I know I have given you a lot of sources and have probably overwhelmed you. I apologize for this. But it seems that nothing really worth doing in life is easy. There are no real secrets to most of life. The real secret is that it takes work. But as I usually say, "who cares if it takes you a few hours or even a few days or weeks." Most of us have no idea what we did in the last few weeks. Sure, nothing in life is guaranteed. But you now have the best information available on the subject, and in here can lay a fabulous opportunity to improve your life. This is your life and it is special to you and to the world. I hope what I have given you helps you grow into your full potential.
Good luck and remember that help truly is out there, it just sometimes takes the dickens to find it. Keep up the dream to improve yourself.
Matthew LeskoPresidentInformation USA, Inc.