How to Get Emergency Cash Assistance

When an unanticipated difficulty threatens your economic capacity to pay your bills it is good to know that there are nonprofit charities available to help you.  There is private and public help available whether you need to come up with a security deposit for a new apartment or you are unable to make your utility, rent or mortgage payments.  

• Call or contact a social worker through your county’s social service department.  After filling out some forms and explaining your situation, the worker may be able to provide cash assistance.  In most cases, the payment is made directly to your utility company, automobile repair shop, or landlord.


• Fill out paperwork early in order to be approved for energy assistance.  When you are unable to pay your heat and energy bills, apply for an energy assistance program that is offered through your electricity and natural gas providers.  Many states have cold weather rules that do not allow the companies from turning your service off during the winter months.  These programs help you to pay your winter heating expenses if you earn under the federal poverty level.


• Contact local church’s or religious places of worship.  Whether you are Jewish, Muslim, Hindu, Christian, or another faith, it is helpful to know that many religious affiliations often offer help to members and nonmembers of their congregations.  Visit your local congregation and ask to speak with a social service advisor.  Either the leader, such as a priest, Imam, or rabbi will help you to maintain your shelter and pay heating bills.  Some programs even have money available to aid in childcare payments, emergency car repair, and bereavement help in the case of a death in your immediate family.


• Call the United Way’s  “First Call for Help” by dialing 211 on a touchtone phone.  This telephone service aids you with resources that serve your particular area.  Upon locating an organization, ask about the qualifications that you must meet in order to apply for their economic help.  Gather all of your paperwork and set up a meeting with a social worker.