Need Help to Pay Rent or Bills? Here's Resources You Can Use Today

If you're struggling to pay rent or keep up with utility bills, you're not alone... and help is available. The Consumer Financial Protection Bureau (CFPB) offers a range of practical resources to support renters facing financial hardship. Click the button below to visit their webiste, OR keep reading for summaries of programs that might can guide you in the right direction.

To find the links to all of the resources below, click HERE to be directed to the main website these tools were shared from: Consumer Financial Protection Bureau

1. Find Local Rental Assistance Programs

Look for state, local, or tribal programs offering rental assistance. Start by asking at your local government offices, public library, or cultural center—or simply search online for “[your city/county/state] rental assistance.” These programs often help with rent and sometimes utilities, but be aware: assistance may take several weeks to process.

2. Call 211 for Quick Support

Dialing 211 connects you with local specialists who can point you toward rental and utility assistance options immediately.

3. Energy Bill Support Year-Round

If you're facing difficulty with utility payments, check whether your area’s Low Income Home Energy Assistance Program (LIHEAP) can help. You can also call the national hotline at 866‑674‑6327.

4. Talk to a Housing Counselor

HUD-approved housing counselors can assist with navigating resources, developing repayment plans, and planning next steps. Some offer rental-specific advice at low or no cost. Reach out at 800‑569‑4287 or find an agency online.

5. Apply for HUD Programs: Subsidized Housing & Vouchers

• Subsidized Housing: Offers reduced rent in apartments where the government covers a portion of the cost.

• Section 8 / Housing Choice Vouchers: Helps low-income individuals, seniors, and those with disabilities pay rent for privately owned housing.

Use HUD’s tools to locate participating housing communities or your local public housing agency to learn if you qualify.

6. Know Your Tenant Rights (And Debt Collector Limits)

If you're behind on rent or utilities and are facing pressure from a third-party collector, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive practices. You can file a complaint if you believe a debt collector is violating federal law.

7. Correct Errors on Your Tenant Screening Report

Errors such as incorrect eviction records can make it harder to rent in the future. If you spot mistakes on your tenant screening report, you have the right to dispute them. This process helps protect your rental prospects.

8. Secure Legal or Expert Housing Assistance

If your landlord is threatening eviction or you're unsure of your rights, free or low-cost legal aid may be available based on your income. You can also contact HUD-approved housing counselors for guidance

Summary: What Renters Can Do Right Now

Action	Why It Matters
Search for local rental assistance	Programs may help with rent and utilities
Call 211	Fast connection to nearby resources
Contact LIHEAP	Helps with energy bill support
Talk to a HUD counselor	Personalized guidance and planning
Apply for HUD programs	Long-term housing support options
Know your rights	Protects against unfair debt collection practices
Check tenant screening report	Avoids barriers in future rent applications
Seek legal or expert help	Crucial when facing eviction threats