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Housing expenses are often the largest part of any household budget. Several Pennsylvania programs provide information about how to reduce heating and utility costs and, when reducing costs isn’t enough, some programs can help pay the bills.
Today, it’s no secret that Americans are losing their homes to foreclosure at higher rates than ever before. If you are behind on your mortgage payments, you must act immediately. The problem will not go away. There are people who can help you talk with your bank to work something out. And, if that doesn’t work, there are programs that might be able to give you a loan to get through the tough times.
Cope with heating expensesWith a little knowledge and a little action, you can be protected from the cold and your heat can last all winter. Financial help may be available to you as well. Learn more...
Consumer ProtectionGet accurate information and advice on a variety of consumer financial issues, including information on potential scams and enforcement actions taken by the Department of Banking. Call 1-800-PA-BANKS. Learn more...
Make the Better ChoiceStop paying high fees and interest rates to paydayn lenders and get a CreditUnion Better Choice Loan. Applying is easy, and no credit check or collateral is required. For more details and an application, talk to your credit union representative today. Learn more...
Find out about programs to help with utilitiesFind out what to do if you can’t afford your electric, gas, phone or water bill. Learn more...
Avoiding ForeclosureGenerally, a foreclosure is a process that allows your lender to sell your house to pay off your unpaid mortgage. A lender can foreclose on your house if you don’t make your required house payments. Not only do you lose your home, but your credit will suffer. A bad credit history can make it very difficult to rent an apartment, borrow money or even get a job. Learn more...
Pennsylvania ProgramsFor links to more Pennsylvania programs to help you avoid foreclosure, visit The Pennsylvania HUD website. Learn more ...
Understanding The Financial CrisisThe current crisis in the financial markets is complicated and most people have a lot of questions about it. Below are some of the most frequently asked questions and links to more information. Learn more...
HOPE NOWHOPE NOW is an alliance between HUD approved counseling agents, servicers, investors and other mortgage market participants that provides free foreclosure prevention assistance. Learn more...
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