Living Assistance from the Government

Living assistance from the government can be available in the form of grants and other state programs. In cases of severe financial distress, low-income and under employed families may qualify for a one time government grant to help with living expenses. This program is most commonly used for rent and mortgage payments to avoid eviction or foreclosure. Other forms of Government assistance are also available.

HUD Housing Program

HUD Housing is low income; Government subsidized housing that aids families in obtaining safe housing for their families. There are a lot of stipulations associated with this program. HUD Housing can be privately owned or publicly owned. Privately owned HUD housing allows for an apartment building or home owner to offer reduced rental rates based on a family’s income. HUD is living assistance from the Government.

Families that qualify for HUD Housing assistance must abide by strict guidelines. Only those listed on the HUD application may live in the home. Certain criminal offenses will be disallowed for tenancy. Strict income guidelines must be followed. Any and all income changes must be reported immediately. This can change your eligibility as well as decrease the amount of rent paid if an income decrease takes place.

Many HUD houses are built by volunteers. HUD homes are also built for specific families from time to time. These special homes are built in special circumstances. They are usually built for families that have disabled members requiring modified living conditions in order to live with their families. Those living in HUD homes are often so appreciative of the program and how much it has helped their family that they will volunteer to help build a home for another family in need. The HUD community can become very close.

Section 8 Housing

Section 8 housing living assistance from the Government provides qualifying families with reduced rental rates for subsidized or public housing. There are also strict income requirements for this program. Most states are on a long waiting list to enter this program. By the time your number on the list is reached, it is likely that your financial situation has changed for the better. There are cases where a family can be on an Emergency Section 8 list. This would mean that the family, with young children, is homeless.

Section 8 also has strict rules as far as staying in their program. In order to remain eligible for Section 8, you must abide by all of the rules and regulations of the program including not allowing unauthorized people to live in the home. Criminal activity cannot take place within the home. The home itself cannot be damaged or sublet. Section 8 does have the right to inspect their property with 24 hours notice. They do expect their homes to be kept neat and clean. Unsatisfactory living conditions upon inspection can cause a person to be taken off of the program.

The Section 8 program is fully funded by State and Federal Governments. Program availability can change from year to year as funding amounts do often change. If the national budget cannot suffice the large amount of funding for the program in a specific year, fewer applicants are approved for the program. There is nothing that an agency can do to push an application through if the funding is not there and all of the housing is full. The most that they can do is find other sliding income housing or a suitable shelter.

Government Grants for Living Assistance Purposes

Living assistance from the government in the form of grants is attainable for families suffering severe financial hardship. These grants are offered only one time to low income families. A grant can be given for eviction prevention or foreclosure prevention, home repairs and for general living expenses. A general living expense grant is sometimes available depending on the program you are applying to.

Government grants for these purposes usually do not require reimbursement. Since the grants are available to a person only once in their lifetime, the government often seeks further funding to keep this program available. The items needed to apply for a government living assistance grant include a letter of intent, proof of financial hardship, proposal of the need and what the funds will be used for. It can take several months to receive an answer regarding the acceptance or denial of your request.

Other Living Assistance Programs

Local agencies may be able to provide living assistance from the government. The government does provide funds to some local agencies to assist their community members. These programs are usually saved for the elderly and extremely low income families, including single mothers. Those that are homeless will take precedence over others that are simply a little short on their bills.

One local agency that may be able to help with Government provided living assistance funds would be your local Salvation Army office. They receive funding from state and federal government agencies as well as private funding in the way of donations. The Salvation Army provides living assistance from the government in the way of rent or mortgage payment, electricity payments and natural gas payments. Some Salvation Army locations offer transportation assistance, car repair assistance, food assistance, clothing, toiletries and medication assistance. They can help only once per year with a major expense such as rent or utility payments. There are also some locations that can help with moving costs to obtain suitable housing by helping with security deposits or the first month’s rent. If they do not have funds available to assist you and your family, ask them about other government funded programs in the area that may have funds. They will gladly provide you the resources needed to reach out to another agency.

Living assistance from the Government may not be available in all states. Programs for this type of assistance often run out of funds early in the year. It is difficult to replenish the funding as donations and grant funds have decreased. If all of these programs fail to have the funds to help you, ask them to refer you to a safe shelter for temporary housing.

Debt Relief for Single Moms

Single moms often find themselves getting in over their heads in debt. Most of the time the debt occurs because of a divorce and the inability to handle all of the bills on her own. In other cases, it is just that her income is not enough to provide for her children and keep her head above water. There is debt relief for single moms available. Programs are made available that cater specifically to single moms.

Using Home Equity for Debt Relief

Some single moms own their homes or are given their homes in a divorce settlement. In this case, she can apply for an equity loan if there is equity available. She must not be behind in mortgage payments and must have a worthy enough credit rating. Debt relief for single moms often comes from an equity loan. Although it does add more money that will have to be paid back, the terms of equity loans are often much more manageable than other types of loans.

In some cases an equity loan can be tacked on to a mortgage or the payments can take over when the mortgage is paid in full. Mortgage lenders are more willing to work with someone that is in good standing. If payments have been made on time and the payments are current, there is usually little that a lender will look down on in regards to extending a loan or adding to it with an equity loan.

Lines of Credit for Single Moms

Lines of credit are sought out by single moms to help pay their bills and reduce their debt. This course of debt relief for single moms allows them to have funds available that can be budgeted to last for months. A line of credit is often a great idea when an actual loan cannot be obtained or she does not have equity available in her home to acquire an equity loan.

Using a line of credit to pay down debt and bring your accounts current can bring a huge sigh of relief upon approval. Although it is another bill to pay off, it gets the creditors to stop calling and reduces a single mom’s stress level. They have enough to worry about on a daily basis just providing for their children the basic necessities in life.

Grants for Debt Relief for Single Moms

There are several grant programs for debt relief for single moms. These grants do not have to ever be repaid. A single mom can apply for one of several government grant programs. These grants can only be given once in your lifetime through a single program. Many of them do have a cap as to how much can be applied for. The process begins with providing a detailed letter of need. This also needs to include a strong proposal with valid background information discussing the situation at hand causing the debt to have piled up. The bills and their balances need to be included along with your household living expenses in a detailed report. Income verification must also be included. Some programs may ask for you to submit your budget to show how you spend your income. It may seem like they are asking for your life story, but that is what they need to determine your eligibility for the grant.

Many women’s only programs offer grant opportunities as well. These grants are a little more flexible in what they ask for during the qualification process. They are specifically for debt relief for single moms to help them pay down debt accrued from emergencies with their children, re-establishing financial stability following a divorce or help in paying down non-covered medical expenses. The place to inquire about these possible grants would be the local WIC office. WIC is often given literature and requirements for special programs just for single moms since most of their clients are single moms.

Contact a Debt Settlement Company

This form of debt relief for single moms is often not thought of. A debt settlement company is often able to significantly reduce the amount of debt owed at the request of the debtor. Single moms can submit a statement of financial hardship with pertinent proof of the hardship in order for the collection agency or company owed funds in hopes of having the amount owed reduced. Wanting to settle a debt with a collection agency shows the company that you are not ignoring the debt, it says that you are just financially unable to pay all of what you owe. If it is an interest bearing collection account, they will stop the interest from piling up and usually remove the amount of interest owed completely. In many cases, only ½ to 2/3 of what is owed originally will actually be paid back when a settlement agreement is made. One of the stipulations of working with a debt settlement company is that you absolutely cannot miss a single payment. If you are going to be late, contact them as soon as you realize that you will be late so that arrangements can be made without additional penalties.

Credit Counseling for Debt Relief for Single Moms

A credit counselor can help a single mom budget her income to be able to provide housing and food for her children while paying down some of her debt. This type of debt relief for single moms helps to build her credit rating while getting out of debt at the same time. What the credit counselors do is contact your debtors. They work with the debtors to reduce the amount owed and come to a reasonable payment plan that does work into your budget. In some cases, it can be as little as just ten dollars a month. What creditors really want is for a debtor to show them that they want to pay what they owe and can do it in time. Single moms have much less money to work with most of the time. Even with child support payments coming in, it can still not be enough to get by. Credit counseling can be a very beneficial step in the right direction.