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financial hardship

 
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RMommyJulie  

Help With Protection from having utilities shut off

Am I eligible for protection from being shut off?

If you have a Financial Hardship

You are protected from having your electric or gas service shut off if you have a financial hardship AND

  1. you, or someone in your home, is seriously ill; or
  2. you have an infant in the home under 12 months; or
  3. it is between November 15 and March 15 and you need the service to heat your home; or
  4. all adults in the home are age 65 or older and a minor child resides in the home.

A financial hardship exists when a customer is unable to pay an overdue bill and such customer meets income eligibility requirements for the Low-Income Home Energy Assistance Program (“LIHEAP”) administered by the Department of Housing and Community Development. You may be eligible for assistance if your household income does not exceed 60% of the state median income. More information can be found on the Department of Housing and Community Development website. For the most recent LIHEAP Income Eligibility Chart PDF  information, look in the “60% of Estimated State Median Income ” column. Alternatively, the Department of Public Utilities may determine that a financial hardship exists. 220 C.M.R. § 25.01.

If you have a financial hardship, you should inform your utility company immediately. Your company will send you a certifying form. You will have seven days to return it to the Company with documentation supporting your need for protection.

If you are age 65 or older

Utility companies may not shut off service to households where all residents are 65 years or older without written approval from the Department of Public Utilities. If all residents of your household are over age 65, you should inform your utility company. 220 C.M.R. § 25.05.

Is assistance with my fuel bills available?

Yes, there are a number of programs available.

For the Massachusetts Department of Housing and Community Development Energy Assistance Programs, call 1 (800) 632-8175.

If you are not eligible for fuel assistance, you may be eligible for help from the Salvation Army’s Good Neighbor Energy Fund, which offers one-time grants for eligible consumers. For more information about eligibility criteria and where to apply, please call 1 (800) 334-3047 in area codes 617/508/781/978 or 1 (800) 262-1320 in area code 413. Or, you may visit the website to learn about the program and review the Fund’s income eligibility guidelines.

Am I eligible for a discount rate?

If you either (1) receive any means-tested public-benefit program or (2) are eligible for the Low-Income Home Energy Assistance Program (LIHEAP), you may be eligible for a discount rate from your gas and electric companies. 220 C.M.R. § 11.04 (5); 220 C.M.R. § 14.03 (2A). For more information on LIHEAP or for the most recent LIHEAP Income Eligibility Chart , you may visit their website. Look in the “60% of Estimated State Median Income ” column. You may also contact your gas or electric company to determine if you qualify for the discount rate.

What is budget billing?

Budget billing is an arrangement you make with your utility company for equal monthly payments. 220 CMR 25.01(2), 25.02(6). Your gas or electric usage is estimated for the year, divided by 12 months, and you pay the same amount each month. However, if you are using more or less energy than estimated, your bill may be increased or decreased during the year. At the end of the year, your company will reconcile your bill with the amount actually used. Then you will receive a credit if you overpaid or a bill if you underpaid. By the end of the year, you will have been billed for the actual amount used. Contact your utility company to set up a budget plan.

What is a payment plan?

A payment plan is a payment arrangement for overdue charges. 220 CMR 25.01(2), 25.02(6). A monthly payment is due in addition to your current monthly bill. Contact your utility company to set up a payment plan. If you have a billing dispute with your utility company, you may contact the DPU's Consumer Division.

How can I reduce my utility bills through conservation?

WEATHERIZATION ASSISTANCE PROGRAM (WAP)

The Low-Income Weatherization Assistance Program (WAP) assists low-income households in reducing heating bills by providing comprehensive home energy conservation services (“weatherization”).

For more information on this program, visit the WAP website.

HEATING EMERGENCY ASSISTANCE RETROFIT TASK WEATHERIZATION ASSISTANCE PROGRAM (HEARTWAP)

HEARTWAP provides heating system services, including repairs and maintenance, to low-income households. For more information on HEARTWAP, visit their website.

MORE ENERGY SAVING TIPS

For more information on how to save energy and reduce heating bills read the 15 Things To Do Now To Winterize Your Home and the 6 Ways To Save Energy All Year . For additional energy savings tips, visit the U.S. Department of Energy’s Energy Saving Tips website.

How can I dispute my utility bill?

If you have a billing dispute with your utility company, you may contact the DPU’s Consumer Division.

reply to RMommyJulie
SendMeAnAngel  

About SendMeAnAngel

Hello Everyone,

My request for help is for a security deposit. I am a single mother of 3 children, 2 boys and 1 girl, ages 11,9, and 4. We have been blessed with Section 8 after having waited for it for about 9 years. The only problem is Section 8 doesnt help with the Security Deposit. I am still paying rent where I currently live and bills, and Im not working, I am due to move July 3rd and I am still short on my security deposit, this situation really has me stressed out, I dont want to lose my voucher, I feel that would be a great benefit for me and my family. I just need some security assistance...

reply to SendMeAnAngel
heythanksuniverse  

About heythanksuniverse

My plea to the universe (and all the kind souls within) goes like this: 

I am a 35 year old mother of two with no formal education. I have had a long weird life, filled (mainly in the beginning) with some pretty terrible circumstances I rarely disclose. I have lived in 55 different houses and I went to 35 public schools, finally leaving school at the end of 11th grade, declaring emancipation from my parents and launching myself into the strange, hectic world of low-wage hell (usually 3 jobs at a time.)

As dire as all that sounds I still worked very hard and even bought a house. I spent my 21st birthday on the floor of that house, marveling at what I had managed. I got married. I had a baby at home (it was an amazing experience.) I kept the house for 3 years before I finally had to give it up because we just could not afford it.

I started over, from the beginning. I had another baby (at home again, water birth, also incredible.) I went through a bankruptcy, a divorce, a gut wrenching split where I ended up homeless, broke and terrified. My ex-husband gained residential custody and I was left without any legal representation and no family to turn to.

I started over again. I paid my child support, I found a decent office job in a giant mega corporation. I learned how to do credit card dispute arbitrations and I got an apartment of my own. I negotiated more time with my children and got it. I worked my ass off. I paid my bills. I did not allow my lack of "formal" education to stop me from moving forward (I may not have had the paper to back it up, but I am very smart, and have never stopped learning). I started a new relationship that lasted 6 years but then ended because neither of us felt connected anymore and my kids never really bonded with him.

I reconnected with the love of my life (seriously, I could type out an entire volume on that alone.) My kids adore him, and I love his daughter and his entire family. They are the family I always wanted and the appreciation is mutual on both sides.

My employer decided it was time to start voting everyone off Cube Island. I left my corporate job with a severance package and unemployment. I started all over, again.

I wrote three plays, all of them produced and well received/reviewed, but they never earned me any money. I make dolls and jewelry and rugs, but have not managed to sell one thing to a stranger - only well meaning friends (and I love them even more for doing that). I work as a personal assistant for a woman who can't afford my services and fights me on every dollar (even though I am pricing myself at least six bucks less per hour than the lowest posted wage my market research suggests.)

I want to move back to my home state and marry my sweetie and live in the same house, and hang out with his family around the dining room table, playing board games and talking about movies and books and eating amazing food (how lucky I am that his family shares the same loves I do). I have been missing him since I was 19 and made the choice to stick with the man who would go on to become my ex-husband instead of being honest with myself and picking the man who was (and still is) my best friend. We have been maintaining a committed long distance relationship for 2 years now. Neither of us are rich, neither of us can move. He would be giving up access to his daughter, his family, his teaching job and his theatre work if he came here. And I would be giving up an apartment I love, and have been in for 4 years, the longest I have ever been in one place, in a city I have grown to love, which is also full of amazing families whose children play and grow and learn with mine.

I can not make my ex move, I can not take my children, I can not leave them, Instead I wait until the youngest has graduated, and then I go home. Seven years from now.

In the meantime, I have to make a living, keep a house, maintain my sanity and figure out how to make myself financially secure. I have less than 40 bucks in my checking account. I have two kids who spend half their time with me. I am behind on my child support. I have 8,000 in credit card debt. I am scared, lonely and drowning.

I have no idea how all this will work, I just know that it will. It always does. And I am typing all of this out to the universe because I have no other place to put it. I have amazing friends, but I can't ask for help. I mean, they might help me but I would never tell them I need help or ask for it. The words stick in my throat and they never come out. I am the helper. I am not comfortable asking for help. I have never been comfortable asking for help. It turns me into an inarticulate, blubbering idiot. It makes me feel broken and wasteful and not worth a damn. I learned the hard way to just never ever ever do it. It makes people uncomfortable. I hate making people feel obligated. The help I need is financial, and none of my friends have money. I would never ask. They would have to say no because no one is in a position to give me money. I would feel terrible for making them have to say no. And really, what right do I have, now or ever, to expect anyone to do that for me? 

I have been through worse things. I have lived through them. I will be OK. But right now? In this second? Just straight up financial terror. I want to make more of this moment, and all the moments that follow. I am looking at a long stretch of Taking Care of Myself, and frankly that freaks my shizz right out. I have a lot to figure out. It takes a lot to be a human, in this all too brief time we have to do it all in, and I am already aware that what I have is real, honest, true love, enough for me and all the amazing people in my life. I could be the richest person in the world and still wonder if anyone really "gets" me or loves me or is honestly concerned for my well being, and if I were rolling in cash I could not buy what I have. I have love and respect. I have given and received. I am blessed and honored and grateful, even when things seem ridiculous. It's just money right? Just stupid paper with numbers on them? It's just more waiting, and making the best of that time. I have a lot to do. I have a lot to learn. I honestly care about other people, and I know other people honestly care about me. What else is there, really? I want a hand up, not a hand out. If I can't work for it, it's not really mine. 

Thanks for listening. 

 

reply to heythanksuniverse
dibz66  

About dibz66

hi,i was a carer and have been for over 20 years,but last july i got a bad stomach pain,thought it was womens problems,it got worse went to hospital,kept me in for an infection.I came home 3 days later,feelin fine,3 days after that it started again but got so bad my hubbie rang for the ambulance,they said it was abdominal and it would take an hour,i couldnt wait that long, my gp phoned and they sent one straight away.The pain was excrusiating,in a&e i remeber telling the doctor i didnt feel well,thats the last i remeber,woke up 5 days later with a stoma,as my bowl had burst and i had got septiseamier,i was very lucky to survive.phycically and mentally i was a wreck,it took months to come to terms with it but i eventually got there.I have just had a reversal which has gone well and im just recovering.Threw all this my husband has had to work and take care of me,we have had no financial help what so ever,and have been told we wont get anything,the bills are backing up and nobody wants to help,i could loose my house if i dont get some money soon.But people just dont care any more like they used to do when people and communitys helped each other.

reply to dibz66
krifelchl  

About krifelchl

My name is Krista and I am currently residing in Fresno,ca. I am a single mother of two beautiful girls. My oldest is 15. my little one is 4 . I have always had the worst luck with cars. Any car that I get in always seems to fall apart. I was so excited when I was finally able to purchase a "good, reliable car." I got a 2006 mazda3.But, like every other car I have had, it had. I had a one year warranty on the car. It was in the shop all of the time. At the end of about six months I wentto take my car in for routine service and the whole lot/repair shop had dissappeared. Actually,later on we found out that I had bought my vehicle from a chop shop! Now me and my girls live on very little income, and the fact that the car warranty had been b.s. left us with the problem of repairs. well, I had a friend that would help us financially occasionally and was very eager to help me FIX MY CAR.  So I finally said OK, after much persuasion because of the fact that my 4 year old was starting a new school in another town and I needed my vehicle to be running good to get her back and forth to school. Plus, he said that he would not charge me.  Well, this man began doing a tune-up and my oldest daughter called me and needed me to bring her something to eat. He let me take his truck while he finished the tune-up on my car. Well I guess I took to long bringing his car back, and when I arrived at his home to pick up my car a few hours later, my "good, reliable car" had been stolen.  My insurance had lapsed and was cancelled days prior to this.  My car was recovered a few days later. It will not even start. All of the fluids had been drained. I believe it needs the motor rebuilt. Me and my girls have been walking everywhere. But my little one needs to get to school. The bus doesnt go that way. we are in desperate need of help with repairs. If anyone has any ideas please let us know. Thank you and God Bless!
reply to krifelchl
jesse63  

Financial Hardship please help or advise

I have been willed my brother's property.  Bank states that my brother had apllied for bankruptcy prior to his death so foreclosure had been delayed.  Now, upon his death, bankruptcy is dismissed as of October 15th, 2009 and foreclosure proceedings will proceed.  Balance of $10,600 remains unpaid. I have poor credit and have been denied any type of loan from different financial institutions.  I do not make much from my employment but receive money from rental (property willed to me). Does anybody know what I can do? Who can I get a loan from?  Where do I go from here?...I only have until next Wednesday (I appear in court Thursday). Help please.

reply to jesse63
Starshine   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to Rosie327...   

Everybody should do that as this isn't the place main page to air our differences

I would not want to come in seeing this.

Apologies accepted and not anything to apologize for just something we need to remind ourselves of.

hugs to you all

reply to Starshine
Rosie327   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to Starshine...   You're right, Starshine - I should have answered in a private post to WHO KNEW.  Sorry.
reply to Rosie327
Rosie327   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to W H O K N E W...   Opportunity is the key word in that sentence - he had an issue I could address, I see that as an opportunity.  And who else other than you was unhappy with AmeriPlan through me?  SheShe tried the biz opp and decided it wasn't for her, and you got your son the care he needed so I don't see why you would be unhappy.  The email you receieved clearly stated what you needed to do in order to cancel, and as soon as you did what they asked you to do you were immediately dropped from future drafts.  I have helped many Aidpagers with the info about AmeriPlan, especially with our free Rx card.  If I wasn't helping or benefitting I too would be notified by the aidpage team.
reply to Rosie327
Starshine   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to W H O K N E W...   

Excuse me I love you and Rosie and others here and you know that but yesterday with all the war and race and political aidpage team came down and said to stop the posting of such things that cause bickering between members.

This is my opinion I think it is best to do a one to one with someone if any issues verses out in front of new people coming in..

Hugs

Starshine

 

reply to Starshine
Anonymous   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to Rosie327...   

"I don't just mindless post about AmeriPlan to people who won't benefit from it..."  How ironic.... When your previous post stated: "Sure, but I never miss the opportunity to get in a plug"

So, which is it?

Remember, your previous posts speak for themselves. Furthermore, there are many people on this site (other than myself) who have had experience with Ameriplan (through you) and were not too happy. 

So who is truly benefitting from your posts? 

BTW if I were out of line, at any time, I would be notified by the aidpage team to modify my behavior and posts. 

reply to Anonymous
Rosie327   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

I wrote a page on getting items for free, like clothes and supplies for school - here's the link: http://how-to-get-stuff-for-free-or-close-to-free.app-rosie327-1.aidpage.com/

I also signed up for a site called www.myfreecar.com - I never heard from them, but maybe you will!  

Best wishes, Rosie

reply to Rosie327
Rosie327   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to W H O K N E W...   Excuse me, but we are here to aid - aka help - each other, right?  He expressed a concern over the cost of medical care.  Here is the quote from his post, "medical bills that are not coverd by the insurance."  I offered him a way to address that concern.  I don't just mindless post about AmeriPlan to people who won't benefit from it, and I don't judge people or come down on them the way you do.
reply to Rosie327
Anonymous   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to Rosie327...   You do realize this is more than a commercial, don't you? This is not your own personal site of guinea pigs to sell products to. In fact, if I am NOT mistaken, AIDPAGE frowns upon behavior such as yours. If you do not have anything relevant to add to the conversation - other than hocking your "product" - then I suggest you do not respond at all.
reply to Anonymous
Rosie327   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to W H O K N E W...   Sure, but I never miss the opportunity to get in a plug!
reply to Rosie327
ck411   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to W H O K N E W...   

Thanks for everyone's respond, and kindness, i can do it on my own, it just gets overwhelming sometimes, they are my kids, my babys, and it's my job to take care of them.

 It's just sometimes i wished the x would step up to the plate.

 I did not post it for anything but to see how many people are in the same boat that i am in, no more.

 Thanks again for everyone , and your kindness

reply to ck411
mamashe/sheshe   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to ck411...   Reply to ck411:---You are going through what most single moms go through everyday. Most of them are just thankkful if their kids go to bed at night with full stomachs and they have clean clothes in the morning. I understand how you feel and your not the only one that just wants to walk away and pretend your kids don't exist, we all feel that way once in a while but then you realize your all your kids have and they are counting on you and you know you wouldn't have it any other way. Do you have full custody of your children and if so why wasn't your ex ordered to pay child support? It sounds like your kids don't want mush to do with her either. What kind of mother can sit on the side lines and watch her kids go without new school clothes and a wonderful son that wants to get an education but won't give him money to help him get it? Personally ck she sounds like a first class bitch and your kids are so lucky to have a father that really cares about them. You need to tap into some charities that can give you clothes for thekids like Catholic Charities and ask around to your friends and work buds and let it be known that you are in need of a cheap good running car for your son. It's amazing the response you will get but you have to swallow your pride and get the word out my friend. Pride will not get you a car or anything for that matter. You can bet that b--ch you were married to would be tapping into everything tappable. There is a lot of free stuff for single parents but they have to know your single with kids first and your the only one that can let that be known. It's not a shameful thing to need help and to ask for it, it is more shamful to let your family go without because your to prideful to ask for help. I didn't say that to hurt your feelings but it goes for everyone that needs help and you should know feom being here on aidpage that we all are in need but you have children and wonderful children I might add, (I think I'm in love with your 8 year old genius) so start getting the word out about what your needs are, ok? Sincerely sheshe030
reply to mamashe/sheshe
Anonymous   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to Rosie327...   

I think you misunderstood the question, which was: Does anyone else feel the same way? 

Ck411 wasn't requesting financial assistance or information. Ck411 simply wanted to know if there was anyone out there who felt the same way they did. 

reply to Anonymous
Rosie327   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

 in response to ck411...   

This will help you save on medical and dental not covered by insurance:

I work with an amazing discount dental and medical health plan that can save you and your entire household as much as 80%.  Our members also have access to our Hospital Advocacy and Prescription Advocacy Plan.  We have providers nationwide and many of them are willing to work out payment plans.  We're running a special until 9/14/09 - monthly membership is just 1/2 price for the first 12 months!

 

Just click on the link near my name that says Save Money/Make Money to learn more about our plans, and let me know if you have any questions!  Best wishes, Rosie

 

 

 

reply to Rosie327
ck411   in reply to SysBot   on

Aidpage group discussing "financial hardship"...

I am a single dad of 3, and i am not asking nor would i ever ask for any hand out, but as the kids starting to get older the more financial responsibility i have.

 At time i just want to walk away from the entire situation, some times, i wished my x would offer to help financially with anything,getting ready for school, getting ready for the holidays, medical bills that are not coverd by the insurance.

  The worst part, when the kid is getting ready to go to college and they need financial help with college or helping them buying thier own used car so they can get back and forth to school.

 Being a single parent is indeed a very tough and very hard job, especially if the x is not willing to help and chooses to watch from the side line, and the sad part they seem to enjoy watching you raising the kids alone , not to mention they laugh at you if you made any human mistake or a poor dicision, like they are not even the other parent.

 Does anyone else feel the same way?  

reply to ck411