FINANCIAL RESOURCES REMINDERS FROM MASSRESOURCES.ORG

Massresources.org was an extremely useful website for understanding public benefits programs in Massachusetts, that unfortunately ceased operations in March 2015.

The past edition of their e-newsletter, in recognition of the current financial challenges facing many Massachusetts families, focuses on programs to help residents protect their homes from foreclosure, stay warm and healthy, and provide food for their families during the cold months ahead. Even though times may be difficult, it is also important for Massachusetts residents to take steps, however small, toward financial independence. So also included is information about how people can increase their wealth by managing their money, buying a home, getting more education, training for a job, claiming the earned income credit, and investing their money wisely.

Foreclosure Prevention
Massachusetts homeowners who are having trouble making their mortgage payments can get free help from Foreclosure Prevention Programs. Program counselors work with current lenders or new lenders to try to set up payments homeowners can afford. It is often possible for residents to keep their homes.

Most foreclosure prevention counseling services are free of charge for Massachusetts homeowners who are at risk of losing their homes. A foreclosure notice is not needed.

Massachusetts foreclosure prevention programs include:

  1. HUD-approved agencies (1-800-569-4287)
  2. HOPE for Homeowners (1-888-995-HOPE)
  3. NACA: Neighborhood Assistance Corporation of America (1-888-302-NACA)
  4. H.O.M.E.: Homeowner Options for Massachusetts Elders (1-800-583-5337)

The sooner a homeowner gets help, the easier it is to prevent a foreclosure.

Get more information about Foreclosure Prevention Programs...

Energy Assistance Updates
LIHEAP Fuel Assistance: More funds are available for Massachusetts residents who need help paying their heating bills. The federal government has released emergency funds that will increase the LIHEAP Fuel Assistance benefit for Massachusetts households. For people who heat with oil, the increase can be up to 100 extra gallons of heating fuel. Fuel assistance agencies will contact their clients about the increase.

Citizens Energy: Unfortunately, the Citizens Energy Oil Heat Program has depleted its funds for this heating season. The Oil Heat Program, which gave out vouchers for 100 free gallons of home heating oil, is no longer taking applications. The Distrigas Heat Assistance Program for people who heat with natural gas is still taking calls.

Other programs: Residents who do not qualify for LIHEAP fuel assistance or who have used up their benefits may be able to get help elsewhere.

Home energy savings: Homeowners and renters can save money by making their homes more energy efficient. Low-income residents can get information about free weatherization services from their Fuel Assistance Agencies. All residents can use >MassSAVE to learn about rebates, loans, and other incentives for energy-saving home improvements. In some cases, homeowners can get a 50% rebate, up to $1500, on recommended improvements.

For more information see our Utilities Assistance page.

Food Stamps: Online Application
Massachusetts residents can now apply for food stamps from any computer connected to the Internet. Once the online application is submitted, the DTA contacts the applicant for an interview and proofs.

Residents can also apply for food stamps at a DTA office, food stamp outreach location, or by mail.

Find out more about Food Stamps...

-Adapted from: January Newsletter from www.MassResources.org, January 29, 2008.

1/08