Helping Those Hardest Hit

Eonomic conditions over the past few years have affected many Americans causing them to become unemployed or underemployed.  If you are worried you might be a victim of foreclosure or mortgage default, the following organization is located in Cleveland, OH to help:

With this being said, itStressed Out Businessman, 09-27-12 is no surprise that some homeowners have gotten behind on their mortgage payments. Restoring Stability, also known as Hardest Hit Funding is a federally-funded program committed to provide assistance to those currently drawing unemployment compensation to prevent the foreclosure of their homes within the state.

The fund was created in February 2010 by an endowment from the U.S. Department of Treasury under the Emergency Economic Stabilization act of 2008. The state of Ohio has been awarded $320 million, to be administered by the Ohio Housing Finance Agency (OHFA) to help 26,000 families who are at high risk of mortgage default or foreclosure.  

Through this initiative, the state has created four programs to assist homeowners suffering from temporary or permanent underemployment or unemployment.  These four programs aim help individuals facing financial woes prevent foreclosure or gracefully exit their homes in a way to avoid severe damage to their credit rating.

Ohio's Hardest Hit Fund program called Restoring Stability has four components:

  • Rescue Payment Assistance Program will provide a payment to the mortgage lender to help delinquent borrowers become current on their first mortgage.
  • Partial Mortgage Payment Assistance Program will provide up to 15 months of assistance for unemployed homeowners while they search for a job or participate in job training.
  • Modification Assistance with Principal Reduction Program will provide an incentive payment matched by an investor to reduce the mortgage principal balance so a loan modification may be possible.
  • Transitional Assistance Program will provide an incentive payment to the mortgage servicer and homeowner to assist with short sale (in which a house is sold and the lender agrees to accept less than what's owed on the mortgage) or deed-in-lieu (in which the homeowner gives title to the lender and the mortgage is canceled) agreements to help homeowners exit their homes gracefully.

If you are interested in applying for assistance from the Hardest Hit Fund, contact and intake specialist at NHS of Greater Cleveland at (216) 458-4663, or you can apply online by going to the website http://www.restoringstability.org/ and clicking “Start Now.”

At The Cochran Firm Disability Lawyers we understand that for many clients, Social Security Disability benefits can't come soon enough. If your application has been denied, don't give up! Our experienced Social Security disability lawyers are extremely familiar with the Social Security Disability application process and will work hard to help you get the benefits you deserve. If you or a loved one has a disability and would like assistance with handling your claim, contact The Cochran Firm Disability Lawyers today at 1-800-THE-FIRM (1-800-843-3476). We are available day or night to help you receive the Social Security disability benefits you deserve.

Advancing Independence

The following organization in Mobile, AL. strives to address unmet needs of people with disabilities. If you know someone who struggles with cerebral palsy or other disabilities, this program may be able to assist:

411998 preschool_girl_learning_3Staying true to its mission, United Cerebral Palsy (UCP) of Mobile exists to promote the independence, productivity and full citizenship of people with cerebral palsy and other disabilities. This organization is guided by a diverse and dedicated group of individuals who work with those who are disabled and their families. The organization strives to provide a lifetime of services designed to advance the independence of people with a wide range of disabilities. UCP is one of Alabama’s largest providers of early intervention services. The services in which they offer can start in infancy and continue through adulthood with their supported employment program. Listed below are some of the programs in which UCP offers:

  • Speech Therapy
  • Physical Therapy
  • Occupational Therapy
  • Preschool Classes
  • Employment Program
  • Respite
  • Advocacy
  • Summer Camp
  • Aging Services
  • Behavioral Health
  • Community Services
  • Medical Rehabilitation
  • UCP of Mobile offers services in 24 counties in south Alabama. These counties include: Autauga, Baldwin, Barbour, Bullock, Butler, Clarke, Coffee, Conecuh, Covington, Crenshaw, Dale, Dallas, Elmore, Escambia, Geneva, Henry, Houston, Lowndes, Macon, Mobile, Montgomery, Pike, Washington, and Wilcox.  

    For more information about the services available through United Cerebral Palsy of Mobile, call (251) 479-4900.

    Hope for Higher Education

    In the past, for individuals with low incomes or disabilities, the hope of going to college seemed distant if not impossible. Luckily, times have changed.  There are now growing opportunities for the poor and disabled.  The following article has information to help those individuals with low incomes or disabilities get the education they deserve.

    There are many financial aid and scholarship options for underprivileged or disabled students who are interested in highergraduate education, such as college or trade schools. Every year, the U.S. Department of Education awards money, or federal aid, to students attending four-year colleges or universities, community colleges or career schools. Eligibility for most federal student aid is based on financial need and several other factors, such as citizenship and academic achievement. Federal student aid includes grants, work-study programs, and federal loans.

    To be eligible to receive federal student aid, you must:

    1. Be a U.S. citizen or an eligible noncitizen
    2. Certify that you are not in default on a federal student loan and do not owe money on a federal student grant
    3. Certify that you will use federal student aid only for educational purposes
    4. Demonstrate financial need
    5. Have a high school diploma or GED
    6. Have a valid Social Security Number
    7. Maintain satisfactory academic progress once in school
    8. Men Ages 18-25 must Register with the Selective Service

    In addition to the eligibility for federal student aid requirements above,  students with intellectual disabilities must  be enrolled or accepted for enrollment at an institution of higher education in a Title IV-eligible, comprehensive transition and postsecondary (CTP) program for students with intellectual disabilities.

    To find more information about scholarships and federal student aid, visit Disability.gov online at https://www.disability.gov/home/i_want_to/student_financial_aid.

    At The Cochran Firm Disability Lawyers we understand that for many clients, Social Security Disability benefits can't come soon enough. If your application has been denied, don't give up! Our experienced Social Security disability lawyers are extremely familiar with the Social Security Disability application process and will work hard to help you get the benefits you deserve. If you or a loved one has a disability and would like assistance with handling your claim, contact The Cochran Firm Disability Lawyers today at 1-800-THE-FIRM (1-800-843-3476). We are available day or night to help you receive the Social Security disability benefits you deserve.

    Health Insurance for Uninsured Children

     The following program provides insurance assistance to uninsured children in need throughout the Philadelphia area:

    The Children’s Health Insurance Program (CHIP) is a program that provides health insurance to all uninsured children and teens that are not eligible for or enrolled in Medical Assistance. CHIP covers a wide range of services that include:

    Immunizations
    Doctor’s office visits
    Prescription medications
    Eye care and eyeglasses
    Emergency care
    Hearing carecute kid
    Mental health services
    Home health care
    Dental care
    Laboratory tests/x-rays.

    Eligibility Requirements:

    Eligibility for CHIP is based on household income, the age of each child and the insured status of each child. Children from birth to the age of 19 who do not currently have health insurance are eligible to receive coverage through CHIP. Individuals must also be a U.S. citizen as well as a resident of Pennsylvania to receive benefits through CHIP.

    CHIP eligibility is continuous for one year. Although there are no income limits required for CHIP, families whose income exceed the limits for free CHIP will have to pay low monthly premiums and co-pays for select services.

    How to apply:

    Apply by mail. Fill out the application and mail it to the insurance company you have selected to provide your child’s CHIP coverage.

    Apply by phone. Call 1-800-986-KIDS to speak to a counselor who will take your information and submit it electronically.

    Apply online with COMPASS at www.compass.state.pa.us.

    You must attach copies of proof of all household gross income with your application such as a copy of a pay stub, a tax return or a letter written by your employer.

    For more information about CHIP, call 1-800-986-KIDS.

    At The Cochran Firm Disability Lawyers we understand that for many clients, Social Security Disability benefits can't come soon enough. If your application has been denied, don't give up! Our experienced Social Security disability lawyers are extremely familiar with the Social Security Disability application processand will work hard to help you get the benefits you deserve. If you or a loved one has a disability and would like assistance with handling your claim, contact The Cochran Firm Disability Lawyers today at 1-800-THE-FIRM (1-800-843-3476). We are available day or night to help you receive the Social Security disability benefits you deserve.

    Improving Lives & Housing Conditions

    1331258 electric_meterSoutheast Energy Assistance (SEA) is a not-for-profit organization dedicated to helping low-income families improve their living conditions. Through conservation programs, the mission of SEA is to provide low-income individuals and families with direct assistance that will help to improve their living and housing conditions. Since 1982, SEA has been a federally funded WAP (Weatherization Assistance Program) service provider. Through WAP, SEA personnel provide home repairs that are designed to save energy and reduce or eliminate environmental hazards. In addition to providing weatherization services, SEA also offers a water conservation program. Brief descriptions of each program are provided below:

    Weatherization Assistance Program (WAP) – Any energy related repairs to assist in reducing the heat or air conditioning waste for residents are performed through WAP. Services and repairs that are provided include:

    · Repair/Replacement of damaged windows

    · Repair/Replacement of damaged exterior doors

    · Installation of attic/floor/wall insulation

    · Furnace repair or replacement

    · Installation of bath exhausts fans

    · Installation of weather-stripping

    · Carbon Monoxide Testing

    · Caulking

    Care & Conserve Program (C&C) –In partnership with the Atlanta Department of Watershed Management, C&C promotes water conservation by performing water audits, conservation counseling and plumbing repair. These repairs are essential to preventing health and safety problems due to mold, mildew, plumbing backups and other concerns. Services include:

    · Repair/Replacement of leaking faucets

    · Repair/Replacement of run-on toilets

    · Installation of faucet aerators, low-flow showerheads and ultra low-flow toilets

    · Payment assistance

    · Line repair or replacement

    · Drain and sewer repair or replacement

     Who Qualifies?

    To be eligible for the services provided through SEA, applicants must meet the income requirements set forth by the federal guidelines. Applicants, whose income exceeds 200% of the Poverty Index, are not eligible to receive assistance. The only exceptions to this requirement are households with a member who receives Supplemental Security Income (SSI).  

    To determine your eligibility or learn more information about the services and programs offered through SEA, call (404) 885-1877.


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