Debt Assistance Programs in Durham, North Carolina
Managing debt can be overwhelming, but if you're in Durham, North Carolina, there are several resources available to help you regain financial stability.
Table of Contents
- Legal Aid of North Carolina - Durham Office
- Credit Counseling Services
- Durham County Department of Social Services
- Nonprofit Organizations Offering Financial Support
- Housing Assistance Programs
- North Carolina State Resources
Legal Aid of North Carolina - Durham Office
If you're facing legal challenges related to debt, the Legal Aid of North Carolina's Durham office provides free civil legal services to low-income individuals.
They assist with issues like bankruptcy, foreclosure prevention, and consumer rights.
To learn more or schedule an appointment, visit their website:
Credit Counseling Services
For personalized guidance on managing debt, credit counseling agencies can be invaluable.
InCharge Debt Solutions offers free, nonprofit credit counseling and debt management programs to North Carolina residents.
They work with creditors to consolidate credit card debt, lower interest rates, and create affordable payment plans.
Durham County Department of Social Services
The Durham County Department of Social Services provides emergency assistance to residents facing financial crises.
Services include help with food, rent, utilities, and medical prescriptions.
Eligibility is based on income, and applicants must provide necessary documentation.
For more information, contact them at (919) 560-8000 or visit their office at 414 E. Main St., Durham, NC 27701.
Nonprofit Organizations Offering Financial Support
Several nonprofits in Durham offer financial assistance:
- Catholic Charities of Durham County: Provides help with past-due rent and utility bills. Referrals are required. More details can be found in the Durham Financial Assistance Resource Guide.
- Salvation Army: Offers assistance with rent and utility bills for those facing eviction or utility disconnection. Appointments are necessary. Contact them at (919) 688-7306 ext. 100.
- Grey Stone Baptist Church - Second Mile Ministries: Provides help with overdue utility bills on a first-come, first-served basis. Open Wednesdays between 9 am and 11:30 am. Visit their location at 2601 Hillsborough Rd., Durham, NC 27705.
For a comprehensive list of resources, refer to the Durham Financial Assistance Resource Guide:
Housing Assistance Programs
For those seeking homeownership, the City of Durham offers a Down Payment Assistance Program.
Eligible homebuyers may receive up to $80,000 for down payment and closing costs assistance.
Funds are provided as a forgivable loan with a 0% interest rate and a 15-year term.
Learn more about eligibility and application processes here:
North Carolina State Resources
The North Carolina Department of Justice offers guidance on managing debt and avoiding scams.
They recommend considering debt management plans through nonprofit credit counselors and provide information on legal rights related to debt collection.
For assistance or to report a debt settlement scam, contact them at 1-877-5-NO-SCAM or visit their website:
Additionally, the North Carolina Housing Finance Agency provides foreclosure prevention assistance.
Their program, called the North Carolina Homeowner Assistance Fund, helps eligible homeowners catch up on mortgage payments and avoid foreclosure.
To check eligibility and apply, visit:
For renters struggling with payments, the North Carolina Housing Opportunities and Prevention of Evictions (HOPE) Program offers emergency rental assistance.
This program provides financial relief for past-due rent and utility bills.
Final Thoughts
Debt can feel overwhelming, but Durham, North Carolina, has numerous resources to help you navigate financial difficulties.
Whether you need legal aid, credit counseling, direct financial assistance, or housing support, various organizations are ready to assist.
If you're struggling, don't hesitate to reach out for help—relief and solutions are available.
By taking advantage of these programs, you can regain financial stability and work toward a debt-free future.
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