{"id":138733,"date":"2021-10-01T06:55:10","date_gmt":"2021-10-01T10:55:10","guid":{"rendered":"https:\/\/antiguanewsroom.com\/?p=138733"},"modified":"2021-10-01T06:55:10","modified_gmt":"2021-10-01T10:55:10","slug":"are-government-debt-relief-programs-real","status":"publish","type":"post","link":"https:\/\/antiguanewsroom.com\/are-government-debt-relief-programs-real\/","title":{"rendered":"Are Government Debt Relief Programs Real?"},"content":{"rendered":"
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You\u2019ve heard about Uncle Sam offering debt relief for one thing or another, but are government debt relief programs real? Yes, they totally are. But whether there\u2019s one that will help you with your financial situation is another story. Let\u2019s look closer.<\/p>

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The Issue<\/strong><\/p>\n

If you\u2019re looking to get out of credit card debt, the government cannot save you. Let\u2019s just put that out there. Now, you can file bankruptcy<\/a>, which is a government-sanctioned financial strategy. But because of the enduring stain it puts on your credit, you want to avoid that move.<\/p>

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Still, the government has a vested interest in you staying out of serious debt. Why? Because if you\u2019re struggling to pay your student loans or, say, medical bills, you\u2019re loathe to buy a house or make other large purchases. And that doesn\u2019t do anything for the nation\u2019s economy.<\/p>

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So, what kind of debt relief does the government offer?<\/p>\n

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Help with Mortgages<\/strong><\/p>

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There once was a popular government debt relief program for mortgages called the Making Home Affordable program.\u00a0 Sadly, that program is no more. However, Fannie Mae and Freddie Mac have stepped up with certain high-loan-to-value refi programs, and lenders are now expected to do their part to offer loan modification programs to make your payments more affordable.<\/p>\n

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Help with Medical Bills and Essentials<\/strong><\/p>

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Government debt relief programs<\/a> can\u2019t help you with personal debt, but there is help available for those who are experiencing financial hardships, particularly those related to healthcare bills. When people are ill, they\u2019re often unable to work and will use whatever savings to make ends meet. Sometimes that means charging up their credit cards.<\/p>

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There are government debt relief programs that can help with medical bills and there\u2019s info available about insurance programs that can help. You can also get government assistance for your utilities, prescription drugs, and even food.<\/p>\n

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Help with Student Loans<\/strong><\/p>\n

Besides housing, the nation\u2019s largest consumer debt is student loans. In fact, late last year, such debt exceeded $1.55 billion. And if you\u2019re one of the ones struggling, you know that student loan debt can hamper your progress in life. It can make it harder to put cash aside or even stay atop essentials.<\/p>\n

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These days, most student loans are federal loans. As such, there are various government programs that can help you with payments. Discuss your situation with your loan servicer and check out this government website<\/a>. If your financial woes are temporary, you might want to think about forbearance or deferment. Now, if your problems are more long term, you can try loan extension or consolidation, or an income-based plan.<\/p>\n

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Help with Legal Protection<\/strong><\/p>\n

Don\u2019t discount the legal protection the government offers regarding debt relief, including the Fair Debt Collection Practices Act, which restricts what debt collectors can do to get you to pay. There also are collection laws and state-specific statutes of limitation that protect you regarding potential lawsuits and offer debt relief.<\/p>\n

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Yes, there\u2019s also bankruptcy, which we\u2019ve mentioned. While sometimes such a filing can\u2019t be avoided, you may not even be eligible for liquidation or a state-ordered plan. You\u2019ll have to check with a bankruptcy lawyer, which will likely cost you money.<\/p>\n

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So, are government debt relief programs real? As you can see, they very much are. If you can\u2019t find something here to match your financial circumstances, then it may be time for another financial strategy such as debt settlement or debt consolidation. In any case, do your due diligence \u2026 and make the best choice for you and yours.<\/p>\n

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You\u2019ve heard about Uncle Sam offering debt relief for one thing or another, but are government debt relief programs real? Yes, they totally are. But whether there\u2019s one that will help you with your financial situation is another story. Let\u2019s look closer.   The Issue If you\u2019re looking to get out of credit card debt, […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-138733","post","type-post","status-publish","format-standard","hentry","category-announcements"],"yoast_head":"\nAre Government Debt Relief Programs Real? - Antigua News Room<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/antiguanewsroom.com\/are-government-debt-relief-programs-real\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are Government Debt Relief Programs Real?\" \/>\n<meta property=\"og:description\" content=\"You\u2019ve heard about Uncle Sam offering debt relief for one thing or another, but are government debt relief programs real? 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