Author: itcoll

There are over 18 million veterans living in the United States. Depending on where they live and what their financial circumstances are, many of them may find that they struggle to pay the bills. Some areas of the country, such as Los Angeles, New York, and San Francisco, have a much higher cost of living than other places. Whether some veterans find themselves short on cash due to being between jobs or because they are unable to find a job that pays a high enough wage, it can be a stressful situation. The good news is that there is help, such as the Section 8 assistance program for veterans, which will make it easier to make ends meet each month.

 Housing Assistance for Veterans

 Housing is one of the most challenging bills that veterans pay, because it’s usually such a large portion of one’s income. A recent research report by the National Low Income Housing Coalition stated that to afford the average one-bedroom apartment in the country, you would need to make a salary of at least $17.14 per hour. To afford an average two-bedroom apartment in the country, you would need to earn an average hourly salary of $21.21 per hour.

 With the high cost of rent for houses and apartments, along with the salaries that are not keeping pace with the rising costs, it causes a strain for many veterans. Affording an apartment or house can be a challenge, which makes it important for struggling veterans to consider housing assistance programs that are available. One of the most popular and widespread programs is the Section 8 assistance program for veterans.

 Section 8 Assistance for Veterans

 The Housing and Urban Development (HUD) department of the government is in charge of helping people around the country with housing assistance. They offer numerous programs that will help veterans pay their rent, locate affordable housing, and even obtain necessary repairs on their home. They will also help people to avoid foreclosure. One of the popular programs offered by HUD is Section 8, otherwise known as Housing Choice Vouchers.

 The Section 8 assistance program for veterans will help those who have a low income and need affordable housing options. With Housing Choice Vouchers, those who qualify for the assistance are given vouchers that can be used toward their rent payments. The vouchers are considered grants that help pay for the rent or mortgage payment. Unlike a loan, the funds never have to be paid back. The program doesn’t pay all of your rent, but it does pay a portion of it each month.

Here are some additional things to know about Section 8 assistance for veterans:

·         Participants are able to locate their own housing. They do not have to stick with living in any particular housing units. They can choose from apartments, houses, townhouses, etc.

·         The Section 8 housing vouchers are funded through the federal government, but they are distributed through local housing authorities.

·         The grant payments are made directly to the landlord. This means that you will need to select a housing unit where the landlord is willing to accept federal housing voucher payments.

·         Eligibility requirements for the Section 8 assistance program for veterans include meeting the low income requirements, and being a citizen or legal immigrant. You will also need to verify such things as your income and identity.

·         The housing unit that you select for the Section 8 voucher program will need to meet the health and safety requirements set forth by HUD.

·         You are not stuck in one housing until because you are receiving Section 8 assistance. Moving is permitted, providing the right plan is followed, such as following the terms of your lease.

 Applying for Section 8 Assistance

 Veterans who need help paying for their rent or mortgage may qualify for assistance through the Section 8 Housing Choice Vouchers program. The program has made many changes over the years, and today you are not bound to staying in specific complexes. With the program today, you have the ability to live in the house or apartment of your choice, providing the landlord will accept the vouchers and the unit meets the HUD safety standards.

 Those interested in applying for Section 8 assistance need to contact their local Public Housing Authority. There are offices around the nation, so you need locate the one that is closest to your area. You can apply for the Section 8 assistance program for veterans in person. To apply, click here.

Veterans around the country who need assistance may qualify for help through the Salvation Army. The organization is associated with the Protestant Church, and they have locations around the world. Having been around since 1865, they have played an important role in helping people in need. The Salvation Army assistance programs for veterans can be an important resource for those who need help.

About Salvation Army

The Salvation Army is headquartered in the United Kingdom, but they have locations around America. Many people in the country are familiar with their yearly fundraising route of using the red kettles and ringing the bell. This takes place every December, leading up to Christmas. That fundraising event raises a lot of funds that are then used to help veterans and those who need financial assistance. With locations around the country, each Salvation Army offers different types of services, based on what is needed in that community.

Types of Salvation Assistance Programs for Veterans

Homeless assistance – The Salvation Army offers homeless shelters in numerous locations. The shelters offer beds for those who need a place to stay. In addition to providing a bed, they also help with providing showers, hot meals, and access to help people better their situation. Their program will help homeless veterans to become self sufficient and obtain affordable housing.

Addiction recovery programs – Many veterans struggle with addiction issues that are holding them back from achieving their personal and financial goals. The Salvation Army offers addiction recovery programs for those who are ready to get help. Each year, their addiction recovery programs help around 150,000 people around the country. Their addiction recovery program focuses on holistic therapy, counseling, and life skills development.

Work skills – Veterans who feel they need more work skills to become employable or improve their position may benefit from the work programs offered through the Salvation Army. Their work programs will help people to tap into their skills, build upon the skills they have, and find jobs that will help them to be self sufficient.

Veteran specific programs – The Salvation offers programs that are designed to specifically help veterans. Each year, their veteran programs help by providing shelters, and adult rehabilitation centers. The centers are to help veterans who are struggling with PTSD, and/or drug and alcohol addiction. The programs are designed to help veterans overcome these conditions and return to their live with their families.

Additional services – The Salvation Army tries to meet the needs of those in their community. Whether it is through providing emergency assistance or through custom solutions, they have a wide range of programs they offer. Some of the additional services they help veterans with include paying bills, obtaining food, wheelchair assistance, and more. They evaluate the person to determine what is needed to help better the situation. Whether it’s help paying for an energy bill, obtaining a box of food to take home, or getting addiction recovery assistance, they have your best interest at heart.

Holiday programs – Many veterans need assistance during the holidays. Those who need help with making the Christmas holiday special for their children can reach out to the Salvation Army and get assistance. Their holiday program will help you obtain gifts to give your family, provide family holiday dinners, and help pay the winter heating bills. Their bill paying program, grocery and food assistance program, angel tree program, all work together to ensure that you have a great holiday, even if you are having a difficult financial time.

Getting Help

The Salvation Army assistance programs for veterans are available around the country. They are also free of charge. The church-based organization makes the programs free of charge, because the costs are covered by all the donations they receive through fundraises. Millions of people around the country donate to the programs to help the veterans and others in their community with meeting basic needs, addiction needs, and more.

Obtaining help from the Salvation Army is easy to do for those who live near one of their locations. The Salvation Army assistance programs for veterans provide a wide range of help that will make it easier for those who are experiencing financial problems. Whether needing help paying a heating bill, getting addiction recovery assistance, or getting presents to put under your Christmas tree, their programs can help.

There are millions of veterans around the country who are in need of assistance. Some of them experience such difficult financial times that they are homeless, near homeless, or need help with obtaining things to meet their basic needs. The good news is that there are many local church assistance programs for veterans, and they can make a world of difference in making ends meet each month.

Why Church Programs

One of the main missions of churches around the country is to help those in need. You could walk into just about any church in the country and ask for assistance and they will either provide you with it, or point you in the direction of where you can get it. Churches are notorious for helping people in need. There are many local church assistance programs for veterans, with churches running the gamut on the services that they provide for those in need.

Some of the programs that are provided to help veterans include providing hot meals, having food pantries, giving homeless veterans a place to stay, and more. The programs are free of charge and open to anyone who needs the assistance. Most church programs provide the assistance year round, while some may only offer homeless shelter services during temperature extremes or when there is bad weather. Most local church programs do not use a strict eligibility process, which makes it easier for many people to obtain the help they need.

Types of Local Church Assistance Programs for Veterans

Catholic Charities – Associated with the Catholic Church, they provide a wide range of assistance programs for veterans. Some of the assistance programs they offer include helping with affordable housing, health services, food and nutrition services, and providing assistance for those who are homeless. To qualify for help through Catholic Charities, you must be low income and have a financial need for the assistance.  To inquire about assistance programs in Catholic Charities, find the location that is closest to you. To apply, click here.

Salvation Army – Associated with the Protestant Church, they have locations around the country, and provide veteran assistance programs. Some of the programs they offer include disaster assistance, hunger assistance, veteran services, combat addiction, elderly assistance, domestic abuse programs, and more. From providing people food to offering homeless veterans a bed on a cold night, their programs are helpful to those who have a financial need. To obtain assistance through Salvation Army, you first need to find your closest location. Once you find a location near you, contact them to see what programs they offer in your area. To apply, click here.

Dallas International Street Church – This local church serves the Dallas area, providing 200 meals per day. They also offer people boxes of food, showers, clothing, and more. This is a local church assistance program for veterans in the Dallas area. To obtain services, contact them to see how you can go about receiving their assistance. To apply, click here.

St. James’ Church – A local church assistance program for veterans in New York City, this program is offered by Madison Avenue Presbyterian Church. The program offers help for those who are homeless, including providing shelter beds, and offering toiletries. They also offer food assistance, including free hot meals. To obtain help from this local church assistance program, contact them directly. To apply, click here.

St. Vincent de Paul – Associated with the Catholic Church, they have locations around the country, and offer assistance programs for veterans. Some of the assistance they provide includes offering homeless shelters, providing food, clothing, and more. To obtain assistance from St. Vincent de Paul, find the location closest to you. To apply, click here.

Local church assistance programs for veterans can be found all across the country. Churches are a great resource for those who need help. You will find many local church programs by stopping by or calling the churches in your community. Reach out to them to see what programs they provide to help veterans. From helping with homelessness and ending poverty, to offering energy grants and free boxes of food, churches play an important role in helping those in need. There are many churches around the country, and most of them provide some type of assistance to help people in their local community.

There are millions of veterans in America, and many of them at times may need assistance paying their medical bills. Health care costs around the country continue to rise, making it difficult for people to afford. Although health insurance rates are supposed to be affordable for everyone, that’s simply not the case. The good news is that there are medical bills assistance programs for veterans, and they can be important in helping to get medical bills paid.

Even going to the doctor or hospital for a minor condition can lead to major medical bills. This can create a stressful situation for any veterans who may find it difficult to pay the all their medical bills. There are medical bill assistance programs for veterans, with most of them being funded by the federal government. Other assistance programs are available through state run programs, and still others through helpful nonprofit organizations.

Types of Medical Bills Assistance Programs for Veterans

U.S. Department of Veteran Affairs (VA) – Veterans who have a health condition that is related to their time spent in the military may qualify for free health care. Depending on the health condition, you may have to pay co-pays for your health care, but the rest of the bills are paid for through the federal government. To qualify for free health care through the VA, you have to meet the military service requirements, and they will do an income verification process. If you have private health insurance in addition to the VA health care assistance, you may not have to pay any co-pays for your care. You can apply for VA care online. To apply, click here.

Financial Hardship – The U.S. Department of Veteran Affairs (VA) offers a Financial Hardship program that may help with paying bills. Those who are having difficulty paying their medical expenses may qualify for assistance through the program. The program pays medical co-pay expenses for those who qualify. They also offer a monthly payment plan program for those who have medical bills and need an extended period of time to pay on them. The VA Financial Hardship program also provides a waiver for existing debt for those who qualify for the assistance. You can apply for Financial Hardship assistance in person or by mail. To apply, click here.

Medicaid – The federal government offers a nationwide health care program called Medicaid. The program provides free or nearly free health care for those who qualify. Veterans who qualify for the health care program can receive medical bill assistance. The program helps pay for doctor visits, hospital stays, dental care, vision care, and prescriptions. To qualify for Medicaid, you have to meet the low income requirements. You can apply in person. To apply, click here.

Temporary Assistance for Needy Families (TANF) – The federal government offers a cash assistance program for those who meet the eligibility requirements. The TANF program will provide a monthly cash grant to those who meet the requirements, which include being low income and being a citizen or legal immigrant. The cash grants can be used on a variety of living expenses, including using it to pay medical bills. Veterans who need assistance paying for medical bills may qualify for TANF. You can apply in person at your local social services office, and some states allow you to apply online. The TANF program usually requires that people have at least one minor dependent child in the home. Veterans who do not have a minor dependent child in the home should inquire with their local social services office about a General Assistance program. Some states offer a General Assistance program, which provides monthly cash grants and one-time grants to help those in need who do not have minor dependents in the home. To apply, click here.

The medical bills assistance programs for veterans can be helpful for those who are short on cash, but have bills that need to be paid. In addition to these programs, you can also check with your local church and nonprofit organizations to see what kind of medical bill assistance programs they offer. Many churches and local organizations will offer short term and one-time payment assistant programs to help those in need. Your local social services department may also be able to tell you about nearby community based programs that can help.

Housing is usually the most challenging bill for people to pay each month. That’s because it is usually their largest monthly bill. Some people make just enough to make ends meet each month, and if there is something that happens that disrupts their income, such as a job loss or medical condition, it can spell disaster. When challenging financial times arise, for whatever reason, it may lead to people having difficulty paying their mortgage. The good news is that there are foreclosure assistance programs for veterans, and they can be helpful in keeping you in your home.

Foreclosure Explained

Those who purchase a home with financing through the bank don’t actually owe the home until the loan, or mortgage as it is called, is paid in full. Many people take their mortgage loan out for 30 years or more. This means they will make payments on it for decades. A lot can happen over the course of decades, leading to financial problems at various times throughout one’s life.

There are foreclosure assistance programs for veterans. They are provided by both federal and state government programs. The programs aim to help people avoid homelessness, so one of their missions is to help people avoid foreclosure. If you are a veteran who is facing foreclosure, there are things you can do to try and keep your home. Reaching out to foreclosure assistant programs may help you be successful in staying in your home, and getting your mortgage payments caught up.

Types of Foreclosure Assistance Programs for Veterans

Housing and Urban Development (HUD) – HUD is a department of the federal government that focuses on housing issues in the country, and they aim to reduce homelessness. In addition to helping people with paying rent and finding affordable housing, they also help people avoid foreclosure. To qualify for the programs through HUD, you have to meet the low income requirements. To start the application process for foreclosure assistance, you first need to speak with a HUD counselor in your state. The counselor will assess your current financial situation and housing needs, and then if you qualify for assistance they will guide you through the application process. To apply, click here.

Public Housing Authority – Across the country, there are Public Housing Authority offices. Their mission is to help those who have a low income to have affordable housing. In addition to offering a voucher program to help people pay for rent, you may qualify for foreclosure assistance. To qualify, you have to meet the low income requirements. Those interested in applying need to contact the Public Housing Authority in their local area. They can evaluate your situation and determine if they have foreclosure assistance that you qualify for. To apply, click here.

Federal Deposit Insurance Corporation (FDIC) – The government agency FDIC offers information about how to avoid foreclosure. They recommend several foreclosure counseling agencies that can help you determine the best options for your situation. They also provide general guidance and information about how to spot and avoid foreclosure scams. To apply, click here.

National Consumer Law Center – You may be able to avoid foreclosure by getting a modification on your current loan. The National Consumer Law Center provides information regarding avoiding foreclosure through loan modification. There are numerous large banks that offer private loan modification programs, including Bank of America, CitiMortgage, JP Morgan Chase, and Wells Fargo. To get more information and apply, click here.

Local Programs – There are nonprofit organizations and churches that will often help people with their difficult financial circumstances. If you are facing foreclosure, you may want to reach out to some local nonprofit organizations and churches to see if they have any foreclosure assistance programs. You may qualify for a one-time payment assistant grant that will help you avoid foreclosure.

The foreclosure assistance programs for veterans will help to ease the burden of facing losing your home. If you qualify, the programs can help you avoid foreclosure and possibly make your monthly mortgage more affordable. The most helpful programs for avoid foreclosure are those that are funded by the federal government and your state Housing Authority. If you qualify for foreclosure assistance, you may also qualify for other grants that will provide you with help paying bills, obtaining food, and more.

There are over 18 million veterans in the country.  America is proud of the many veterans that the country has, and as such, tries to create programs that will provide them with assistance when they need it. Some of the assistance programs are in place to help those who have a low income, while others are available just as a special perk for being a veteran. Those who want to purchase a home or need help with the one they have will find that there are mortgage assistance programs for veterans.

The mortgage assistance programs for veterans are largely funded by the federal government. Some of the programs will help veterans who may be facing foreclosure, while others provide assistance to make it easier for them to purchase a home. Regardless of income level, there are mortgage assistance programs for veterans that will help with your home purchasing needs.

Types of Mortgage Assistance Programs for Veterans

VA Home Loans – Veterans in America are eligible for home loans through the Department of Veteran Affairs. They offer a few different loan programs that will help with purchasing, building, or refinancing a home. The Department of Veteran Affairs backs the loans, which are provided through private lenders. With the government agency backing the loans, it reduces the risks involved, making it easier for veterans to get mortgage loans. If for some reason a veteran loses their home to foreclosure, the private lender will not lose money. The government agency will cover the loan and take the loss. Their programs make it possible for around 90% of all home loans that veterans get to not need a down payment, which further makes it easier for a veteran to purchase a home and easily obtain a mortgage. To be eligible for the VA Home Loans program, you have to have a Certificate of Eligibility from the military. The certificate is issued to veterans who didn’t receive a dishonorable discharge, and who have met the minimum requirements for active duty. You can apply for a VA Home Loan online. To apply, click here.

Housing and Urban Development (HUD) – Veterans who already own a home, but are facing foreclosure or need help paying for necessary home repairs may qualify for help through HUD. The government program will help those with a low income. In addition to helping veterans find affordable housing, they will help people avoid foreclosure, as well as pay for necessary repairs to be made to the home. There are HUD offices in each state around the country. To qualify for the HUD programs, you need to meet the low income requirements. Those who would like to apply should first contact a HUD counselor in their state. The counselor will assess your current financial situation and needs to determine if you meet the eligibility requirements. To apply, click here.

Real Estate Agent Assistance – Many real estate agents around the nation have special programs in place to help make it easier for veterans to purchase a home. When looking for a real estate agent, find one that offers a veterans program or access to mortgage assistance programs for veterans. An agent who has experience working with veterans will know how to help you make it easier to get a mortgage, and will often offer a reduction in their fees, or offer other perks. A veteran-friendly real estate agency will be able to guide you in finding ways to get mortgage assistance. Be sure to ask any agent that you go to work with if they offer any type of veterans program assistance.

USA Credit Union – There is a special mortgage program for veterans offered through the USA Credit Union. The loans are available to active duty U.S. military, reserves, and all veterans. The program makes it easier to buy a home, because there is no down payment required, the fees are reduced, and the program provides plenty of options to meet your needs. You can apply online. To apply, click here.

There are mortgage assistance programs for veterans around the country. You can often find them by reaching out to your veteran friendly real estate agencies, credit unions, and local VA office. Veterans have put in their time helping to look out for the country, and one way that the country gives back is by providing mortgage assistance programs.

There are over 18 million veterans around the country. At times, they may need some financial assistance. Many of them may be able to obtain help in a variety of ways through their local Catholic Charities. A part of the Catholic Church, the organization helps people around the country. Catholic Charities financial assistance for veterans can help in a variety of ways.

About Catholic Charities

Founded over 100 years ago, Catholic Charities is a Christian faith-based organization that has a mission of changing the course of poverty. From campaigns to help reduce poverty, to helping people with crisis situations, the organization has helped many people all around the country. They offer a variety of programs that aim to help those who are considered low income, are in poverty situations, or who are experiencing emergency situations.

Catholic Charities is able to provide financial assistance for veterans, because they receive funds through donations. People who attend the Catholic Church, and others who want to support their programs, donate money to the organization. The funds raised are used to help pay for their mission of helping people and serving communities. The organization also has many volunteers who help with their programs, which helps to keep their overhead down.

Types of Catholic Charities Financial Assistance for Veterans

 Affordable housing – With a mission of helping to end homelessness, Catholic Charities offers affordable housing assistance for veterans. They provide long-term support and financial assistance. The organization owns and operates 35,000 housing units around the country, and another 11,000 housing beds in shelters. Veterans who need help finding affordable housing should reach out to Catholic Charities to see if they can qualify for housing assistance. Their affordable housing program makes it easier for veterans to afford a home and avoid homelessness.

Integrated health – The organization offers free programs to help veterans improve their health and wellbeing. Some of the programs they offer include addiction recovery, spiritual wellbeing, physical and mental health, and more. Through their health programs they have helped many people improve their physical and mental wellbeing, and their access to healthcare.

Food and nutrition – Veterans who need assistance obtaining food can get help at their local Catholic Charities program. The organization offers food and nutrition assistance, by offering a food bank and hot meals. Those who need food help at home may receive boxes of free food that they can take home with them. Others may want to take part in their free daily hot meals that are provide at soup kitchens. They have a mission of helping people to not go hungry, so they are a good place to turn for food assistance.

Disaster services – Veterans who experience disasters or emergency situations can receive help through Catholic Charities. Their disaster services have helped people around the country, following hurricanes, natural disasters, and more. When disasters happen, they will quickly move in and help meet the needs that people who have been impacted may have.

Foundational services – Those who need financial assistance with such things as adoption, pregnancy services, foster care, senior care, and criminal justice, may get help from Catholic Charities. Their foundational services program helps people throughout the spectrum of life. They try to meet the unique needs of the community they are serving.

Getting Assistance

Catholic charities financial assistance for veterans is a helpful way to get by each month. Whether you need help obtaining food, finding affordable housing, or meeting your other basic needs, they may be able to help. The organization will provide financial assistance in a range of ways. While they may not hand people cash, they will help you pay some bills, obtain food, find affordable housing, and provide you with access to many free programs that can help make your life easier. All the free programs and services they offer help you to obtain the assistance you need, without having to spend money to get it.

To get help from Catholic Charities, you need to use their map to find the location close to you. They offer locations around the country, so there is likely one not far from you. Once you find your local Catholic Charities, reach out to them to see what type of financial assistance for veterans they offer at that location. To apply, click here.

Taking prescription medications is something that most veterans will have to face at some point in their life. After all, the Centers for Disease Control and Prevention (CDC) reports that within the last 30 days, nearly half of the adult population was taking at least one prescription drug. Around 23% of the population was taking three or more prescription drugs within the last month. Add to that the high cost of medications and it is easy to see that it’s a recipe for disaster. Many veterans need prescription medications, but the high cost of them makes it difficult to afford.

Those who need prescription medications, yet find them cost prohibitive, may qualify for assistance through a variety of programs. The good news for veterans struggling with paying for their prescriptions is that they can often get help with buying medications. It’s just a matter of knowing what programs exist and how to go about applying for them. Once you reach out to these programs you should be able to get help with buying your medications.

Types of Programs that Will Help veterans with Buying Medications

ScriptSave – They offer a program that allows you to find discounts on your medications. The program includes providing you with a savings card, which you can use at the pharmacy of your choice, to get the best rates on your prescription medications. The average savings with their program is 60%, but some people save even more than that. The prescription savings card is accepted at over 65,000 pharmacies around the country. They also have an online database, where you can search for the best rates on your medications, helping you find lower rates without leaving home. You can apply for the discount medication card online. To apply, click here.

Partnership for Prescription Assistance (PPA) – The PPA program offers resources to help people with buying medications. Their resources include discount prescription cards, patient advocate programs, comparison tools, and more. They provide a good place to evaluate programs to see which ones may be of assistance in helping you buy your medications. You can start by telling PPA what prescription medications you need and then they will help you locate the best programs for your situation. Once they provide you with the list of programs that are a match, you can apply for each of them. PPA is a free service. To apply, click here.

Medicaid – The federal Medicaid program offers medical assistance to those who have a low income. One of the things the program does is to help with buying your medications. Depending on your circumstances, you may be able to get your medications completely covered, or you may qualify for partial assistance, where you have to pay a portion. You can apply for Medicaid at your local social services department. To apply, click here.

Salvation Army – Nonprofit organizations like the Salvation Army, offer a variety of assistance programs for those in need. The programs are open to those who have a low income. You may also be able to get help with buying your medications by contacting the Salvation Army. They have locations around the country, and they offer crisis assistance for those in need. In addition to helping people pay things like utility bills and rent, they will also help people with buying medications. To see if you qualify for assistance, you need to contact your local Salvation Army and inquire about the process for getting medical bill payment help. To apply, click here.

AARP – Those who are age 50 and up may qualify for help with buying their medications through programs offered by AARP. Their program, which is backed by OptumRx, saves an average of 61% on the cost of medication bills. The medication discount program can be used at over 66,000 pharmacies around the country, and the program is free to participate in. You can apply for the AARP prescription savings program online. To apply, click here.

Needing prescriptions is common across adults around the country. Having to stress about how to pay for them shouldn’t be. You can get help with buying your medications, so that you can get the health care you need, without breaking the bank. By reaching out to these programs you can get some help paying for your medications. You will be getting the prescriptions you need, and leaving the financial stress behind.

There are over 18 million veterans around the country. Credit is just as important to them as it is to everyone else. Your credit can literally make or break you when it comes to being able to purchase a home, take out a car loan, and even at times be able to get a good job. Having good credit is essential to being able to do many things, as well as avoid wasting money that may otherwise be spent on finance charges. The good news is that there are organizations that offer free or low-cost credit counseling to veterans, and it can help you clean up your credit.

Why Credit Counseling

It’s estimated that Americans owe around $1.4 trillion in credit card debt. Add to that the debt that people have with student loans, car loans, mortgages, and other loans, and it can be a recipe for disaster. Many people know how to go about getting credit in the first place, but they don’t know how to maintain good credit or how to fix their credit when it’s poor. That’s where credit counseling comes in.

Rather than trying to figure out on your own how to fix your credit, you can get help from those who are familiar with it and know what it takes. There are numerous organizations that offer free or low-cost credit counseling to veterans, and going through that process can be life changing for someone who has poor credit or who wants to have great credit. The programs will help guide you through the process of what you need to do to address your credit needs and work your way toward having excellent credit.

Types of Free or Low-Cost Credit Counseling to Veterans

US Department of Veteran Affairs (VA) – The VA offers financial counseling, which includes credit counseling, to veterans around the country. The program will help you evaluate your credit and devise a customized financial plan. They will help you get the basic guidance you need to know how to address your financial situation and credit, and how to make improvements. You can apply for the program online. To apply, click here.

Americas Debt Help Organization – They offer a program that will help veterans around the country. Run by a team of financial experts, they will help you come up with debt relief options and create a financial plan. Some of the options they offer with their credit counseling services include VA personal loans, and debt consolidation. They not only provide credit counseling to veterans, but they also provide the service to those who are active duty military. They can also help military spouses with credit counseling and addressing debt. You can apply for the program online. To apply, click here.

National Foundation for Credit Counseling (NFCC) – This national organization offers credit counseling to veterans and active duty military. Their low-cost credit counseling to veterans includes financial counseling, personal finance, debt management, bankruptcy support, and information for first-time homebuyers who are in veterans or in the military. Their services will help you plan to get rid of debt, buy a home, plant for retirement, and manage your finances. All of their credit counselors are certified. You can apply for their programs online. To apply, click here.

Clearpoint – This low-cost credit counseling to veterans is offered through the organization called Money Management International. They provide financial education, personalized courses and activities, and will help you devise a custom financial plan to help you achieve your goals. They also offer programs that cover credit counseling, debt management, housing, bankruptcy counseling, student loan counseling, and more. In addition to offering a wide range of education and financial workshops, they offer a program to help veterans and military members to reconnect and establish themselves once they return home from service. You can apply for their programs online. To apply, click here.

Veterans who are unsure how to create a great financial plan, plan for retirement, or how to eliminate their debt will benefit from credit counseling. The organizations that offer free or low cost credit counseling to veterans are the best place to start to turn things around and make financial goals. The assistance is there for those who need and are ready to address their financial issues, want to eliminate debt, or are ready to repair their credit.

There are over 18 million veterans around the country. At times, they may need legal assistance. The problem, however, is that it can be quite costly. Many veterans may shy away from legal issues because it’s too expensive to get legal assistance. The good news is that there is free legal assistance for veterans, and it can make all the difference when it comes to having access to the legal help you need, without breaking the bank to get it.

Anyone who has ever had to hire an attorney knows how costly it can be. Even if it’s just for a minor issue, the bills can add up quickly. Attorneys typically charge a lot for their services, making it difficult for many people to afford getting help with their legal issues. Free legal assistance for veterans can help people get the advice and guidance they need without the big bill that would otherwise come along with it. When looking for free legal assistance for veterans, it helps to know that it is typically referred to as being “pro bono.”

Types of Free Legal Assistance for Veterans

American Bar Association – The national organization offers a variety of tools to help provide free legal assistance for veterans. They offer access to legal aid, which includes lawyers who provide their services to those who have a low income. They also offer information about pro bono attorneys, and a way for you to ask an attorney a question without having to pay to get the answer. Their services are free to use. To apply, click here.

US Department of Veteran Affairs (VA) – The VA offers free legal assistance for veterans. They will help veterans get the free legal help that they need. The services are provided at some VA facilities and at the Veterans Justice Outreach Center. They offer a list of free legal service clinics. Using their list, you should be able to find free legal aid near you. To apply, click here.

State Bar Associations – Every state has what is called a State Bar. The State Bar is an organization that oversees the attorneys in that state. They are also a good resource for finding free legal assistance for veterans. To get their help, look up the state bar for your state. Contact them to ask what pro bono attorneys are in your local area. They should be able to provide you with the names and numbers of the attorneys in your area that provide free legal services to those in need. To apply, click here.

State Legal Aide Offices – All states offer legal aid offices, which are places that provide free legal services for those who are low income. Their attorneys will help answer your questions and provide you with guidance regarding your case. There are 134 independent legal aid offices around the country. Contact the one that is in your local area. To apply, click here.

College Law Programs – Many colleges around the country have law programs, and those programs provide free legal services. It is usually the law students who participate in providing the free legal assistance for veterans. They get the experience of working on the cases, and you benefit from getting free legal advice. Contact the universities near you to inquire if they offer a law program, and if so, if they offer free legal aid.

LawHelp.org – This organization will help you locate free legal assistance for veterans. The program will help you get your legal questions answered for free. Their service is also free to use. To apply, click here.

Obtaining Help

Attorneys can be expensive, which may make some veterans not seek the legal help they need. This may be detrimental and should be avoided if possible. There are enough free legal assistance programs for veterans, which will provide the help that is needed. The free legal programs are available around the country, making it easy for veterans to find a program near them. By reaching out to the free legal program near your home, you may be able to address your legal situations without the stress and burden of a bill you can’t afford. Free legal assistance for veterans is available and they help keep life stress free.