Waiving or refunding late fees If you miss a payment, your credit card company would generally charge you a late fee. Here are important steps to requesting relief. Are there fees associated with these options? How long does the relief period last and when will I need to start repaying my bill? Is there an option to reevaluate? What information will be reported to the credit reporting agencies?
Will I lose the ability to charge anything to my card if I enroll or request relief? Learn how to protect your credit during COVID Know your debt collection rights If you have a debt in collection or a collector is attempting to contact you, it can make a tense time feel even more stressful.
Share this. Sign up for the latest financial tips and information right to your inbox. Email address. Sign up See Privacy Act statement. One of the drawbacks of government debt consolidation programs is that if your previous loans had benefits like rebates, interest rate discounts or forgiveness, you might lose those benefits after consolidating. Explore all your options for paying off debt before choosing one. Government debt consolidation programs are an excellent option for many people, but not necessarily for everyone.
American Consumer Credit Counseling ACCC is a nonprofit debt counseling agency providing free credit counseling and low-cost services to consumers nationwide. Our certified and highly trained counselors can explain all the ins and outs of government debt consolidation programs, and help you decide which one if any is right for you.
At ACCC, our counselors help you to understand all the options available to you for paying your student loans or managing additional debt. We often recommend a debt management program as a highly effective alternative to government debt consolidation programs, and for people seeking debt consolidation with bad credit.
Loans are made by traditional lenders. But the government programs help these lenders make loans that they might normally not fulfill. Grants are available depending on your income level and work to be done. Your local or county government housing office.
Finding a good contractor to do repairs and improvements to your home is important. Also, find out how you can report a problem, if you encounter any issues with work you've had done on your home. Before digging on your property, call Utilities will come out to mark the area to help you avoid damaging or being injured by underground utility lines. The timing for processing your request differs from state to state.
Some states allow for an online digging request. To be eligible, a household must have an income below a certain amount. The program's goal is to improve the energy efficiency of homes. Doing so can help families save on heating and cooling costs while staying safe and healthy. You can use WAP to improve your home's heating, cooling, and electrical systems.
You can also use it to upgrade energy-consuming home appliances. Learn if you may be eligible for WAP and, if so, how to apply. Find the state weatherization agency that serves your area. If you can't afford to pay your home heating or cooling bill, you may be able to get help from the government or your local social services agency or nonprofit.
This chart from Benefits.
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