What is happening??? How you can find help right now.

I’ve been debating how even to open this conversation for several days.  This is such a difficult time from so many perspectives, the fear of illness, the loss of jobs, the slowed pace of jobs, the stock market, the homeschooling of children, the cancellation of trips, the inability to see loved ones.  I get it, the list goes on and on and on.  I want it to be clearly known that I am seeking out how best to help support all my people that I adore, clients, family, friends, facebook friends.  If you have a need please share that need as I’m consistently checking into resources that can help us all.  We are all in this together.  Though social distancing keeps us apart we still have each other to give insight, ideas, and find some humor and joy in spite of the hardship.  

Charlie and I have compiled a list of some of the companies that are giving breaks on late payments, waiving late fees, and even pushing back payments for their clients.  Please keep in mind that doesn’t mean to skip a payment and then hope for them to ignore it.  Many of these companies you need to fill out an online form or make a call, but the good news is, there are many that see this need and are working hard to simplify the communication.  If you find additional resources, please email me or message me to share that information as I will continue to post more resources as we find them.

Thanks for being my people.  Know I pray for your health and peace at this time and do not hesitate to text, call, message, or video chat me.  I welcome the interaction.  My extroverted self is missing my people time!  Love to you all!!!

A Great Blog on a multitude of COVID19 companies doing assistance and other great information: https://www.possiblefinance.com/blog/covid-financial-support/

Mortgages: The Department of Housing and Urban Development (HUD) was ordered by President Trump on March 18 to suspend evictions and foreclosures for the next 60 days. The moratorium only applies to homeowners with mortgages insured by the Federal Housing Administration (FHA), The moratorium only covers FHA mortgages for single family homes. The order not only prevents new foreclosure actions but also suspends all foreclosure actions currently in process. 

The Federal Housing Finance Agency (FHFA), which oversees Fannie Mae, Freddie Mac, and the Federal Home Loan banks, is providing payment forbearance to borrowers impacted by the coronavirus for up to 12 months due to hardship. 

For more info on other banks and mortgages please check this link which will be regularly updated

Phone and Internet

AT&T: The cable, phone and media giant is suspending the termination of wireless, home phone or broadband service when customers can't pay their bills because of coronavirus disruptions. The company is also waiving related late fees. Like Comcast, AT&T is also providing free access to its public WiFi hot spots. The company also said its consumer home internet wireline customers and fixed wireless internet customers would receive unlimited data.

Verizon: Verizon said it is waiving late fees and suspending service termination for customers "negatively impacted by the global crisis."

T-Mobile: The mobile phone service provider is providing unlimited data to all current customers who have plans with data for the next 60 days. It will also provide additional data to mobile hotspot users.

Comcast: The cable giant is offering free access to its Xfinity WiFi hot spots for everyone, including non-subscribers, for the 60 days. It's also providing unlimited data to its customers for no extra charge and is not disconnecting internet service or charging late fees for customers who say they can't pay their bills. The company is also providing 60 days of free basic internet service to new customers.

ComEd: We're suspending disconnects for customers unable to pay their bills and waiving new late payments charges through at least May 1st. We'll be working with customers on a case-by-case basis to establish payment arrangements and identify energy assistance options to address their specific needs. Learn more here.

Atlantic Broadband: The company will not terminate service for residential or small business customers due to nonpayment if they've faced "disruptions caused by the coronavirus pandemic." It is also waiving late fees that customers "might normally incur because of their economic circumstances related to the coronavirus pandemic."

Charter Communications: The telecommunications company is providing free Spectrum broadband and Wi-Fi internet for the next 60 days to households with K-12 students or college students who don't already have a subscription. Like Comcast and AT&T, it's also offering its Wi-Fi hot spots for free to the public.

Utilities

Nicor: Effective, March 14, they have voluntarily suspended service disconnections for residential and commercial customers for non-payment. For more information on suspended service disconnections at our natural gas companies, click on the links below. Additional resources for those in need can be found here:

Pacific Gas and Electric Co.: PG&E has halted service disconnections for non-payment for both residential and commercial customers until further notice. The utility will also offer flexible payment plans "to customers who indicate either an impact or hardship as a result of COVID-19."

Southern California Edison: The utility is suspending disconnections for nonpayment and waiving late fees "for residential and business customers impacted by the COVID-19 emergency."

Consolidated Edison: The utility has suspended service shutoffs for customers having payment troubles.

Georgia Power: The utility is suspending residential shutoffs for 30 days, after which it will reevaluate its policy.

Duke Energy: The utility is suspending disconnections for non-payment. "Customers should pay what they can to avoid building up a large balance that will be harder to pay off later," the company said.

NV Energy: The utility is suspending disconnections "for our customers directly impacted by this crisis" and is waiving late fees and deposits "for customers who experience financial hardships related to COVID-19, or are unable to pay due to self-isolation."

PSE&G: The utility is suspending shutoffs to residential customers for non-payment through the end of April, "at which time PSE&G will evaluate the continued need," according to an email sent to customers.

Atlanta Gas Light: The utility has suspended shutoffs for seven days while it evaluates its options.

Dominion Energy: The utility has suspended disconnections for nonpayment.

National Grid: The company is suspending service disconnections and other "collections-related activities" through the end of April, after which the policy will be reevaluated.

Northern Indiana Public Service Company: NIPSCO is suspending shutoffs for nonpayment until further notice.

Green Mountain Power: The utility is suspending shutoffs and is deferring bill collection in recognition of financial hardships some customers may face due to the coronavirus outbreak.

Car Companies

Hyundai: The automaker is reviving its Hyundai Assurance Job Loss Protection Program to give owners "peace of mind in uncertain times" as the coronavirus outbreak leads to concerns that Americans will stop buying new cars and trucks. Hyundai said the program will provide up to six months of car payments to new buyers if they lose their jobs involuntarily. It will also provide 90 days of payment deferral on new purchases.

Ford Motor: Ford is offering customers "potential delay of payments to provide relief." It's also providing new-car buyers the chance to delay their first payment by 90 days.

Enterprise: The rental car company is reducing the minimum age for renting a car to 18 through May 31 "to make it easier for students to get home to their families" due to the suspension of college courses.