Mortgage, Utilities, & Legal

Mortgage, Utilities, Legal & Taxes help for cancer patients
This page was originally published January 9, 2018 and updated September 25, 2022.

Free Mortgage, Utilities, Legal Help for Cancer Patients

Cancer can take a toll both emotionally and financially. The last thing a cancer patient needs is the added stress that comes with the financial burdens related to cancer care. These governmental and nonprofit agencies help cancer patients and families struggling with a broad range of financial issues.  All assistance is free of charge and available nationwide.

If you have been diagnosed with cancer and need help paying for mortgage or rent, utilities, filing taxes, or even getting legal or financial-planning advice related to your care, these no-cost programs can assist you. Please take a look at the listings below and get the help you need today all at no cost to you.

If you find an error in any listing, let us know here.

nfcc_free legal help for cancer patients

The National Foundation for Credit Counseling (NFCC)

Main URL: Visit
Phone: (800) 388-2227

Description:

The National Foundation for Credit Counseling (NFCC) is a nonprofit organization that provides free income-based services to consumers who are struggling with debt. The NFCC offers credit counseling, debt management, and bankruptcy services. To get help from an NFCC certified counselor near you, please complete the form here. Or, if you prefer, you can email them at info@nfcc.org or call them at (800) 388-2227 to speak with a certified credit counselor over the phone. 100% fee waivers are available to those meeting income requirements. Please contact the NFCC for current eligibility limits.


Legal Services Corporation Free Help for Cancer Patients

The Legal Services Corporation

Main URL: Visit

Description:

The Legal Services Corporation (LSC) is a nonprofit corporation that provides legal aid to low-income Americans. LSC serves people with a variety of legal needs from family law to employment issues and more. To be eligible for help from LSC, an individual must have an annual income below 125% of the federal poverty guidelines or be receiving public assistance. For assistance, complete the form here: https://www.lsc.gov/about-lsc/what-legal-aid/get-legal-help.


SSA Compassionate Allowance Program for Cancer Patients

Social Security Compassionate Allowances Program

Main URL: Visit
Phone: (800) 772-1213

Description:

This program streamlines the Social Security Disability application process so that patients can start receiving disability payments quickly. First, check out the list of eligible conditions: https://www.ssa.gov/compassionateallowances/conditions.htm. If your condition is listed, then apply here: https://www.ssa.gov/benefits/disability/apply.html. If you need help determining if your situation qualifies for this fast-track program, please call SSA directly right away at (800) 772-1213.


Upsolve_Free_Bankruptcy_Filing

Upsolve Free Bankruptcy Filing

Main URL: Visit

Description:

A nonprofit tool that allows you to complete Chapter 7 bankruptcy forms online and for free. Includes education, customer support, and community. Featured in Forbes and funded by institutions like Harvard University so this service is available at no cost to anyone living in the USA. To complete your forms online, please create your free account here: https://upsolve.org/.


USDA Home Repair Grant Program

USDA Housing Repair Grant

Main URL: Visit

Description:

Income-based grants of up to $7500 to repair, improve or modernize owner-occupied residential homes to remove health and safety hazards. Applicant must be 62 or older to apply. In addition, family income must be less than half of the median in that area and property address must be in qualifying location.  To check your property address and download the application form, please visit: https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants.


Ciitizen Free Medical Records Repository for Cancer Patients

Ciitizen

Main URL: Visit

Description:

A free medical records service for cancer patients that gathers and creates a repository of all of your medical records across all networks and service providers in one single place. Ensure that your care team has access to all of your labs, scans, and treatment so that everyone is on the same page and you can focus on getting the best possible care based on all of the information contained in your entire medical record. To get started, please visit https://www.ciitizen.com/.


Free Financial Planning Services for Cancer Patients and Caregivers

CENTS Financial Planning for Cancer

Main URL: Visit

Description:

The CENTS Program provides the services of a Certified Financial Planner at no cost to cancer patients and caregivers. In addition, this free nationwide program comes with a personal patient advocate to help sort out health insurance and other cancer-related payment issues. This generous program is funded by the Foundation for Financial Planning.  Contact the program for more information on this free service here: https://centsprogram.org/contact-us/.


LawHelp.org free legal help for cancer patients

LawHelp.org

Main URL: Visit

Description:

An online portal that connects you to non-profit and pro bono legal aid programs with eligibility for free services based on income and financial need. These programs provide a variety of free legal services including assistance with legal rights and self-help information. To local a free legal aid program near you, please visit the online search form here: https://www.lawhelp.org/find-help/.


Salvation Army helps cancer patients with rent, utilities, and food.

The Salvation Army

Main URL: Visit

Description:

The Salvation Army provides help with utility bills, utility deposits, rent and mortgage payments, prescription medications, food, and clothing needs for families in financial need. Your local Salvation Army will have all the details. You will need to provide valid ID and other documents as part of the application process. To locate your local Salvation Army, visit http://www.salvationarmyusa.org/usn/plugins/gdosCenterSearch?start=1.


HPF Homeowner Hotline help cancer patients keep their homes and avoid foreclosure

HPF Homeowner Hotline

Main URL: Visit
Email: info@995hope.org

Description:

HUD-certified counselors provide free financial counseling and options to keep your home and avoid foreclosure during times of financial difficulty. If you are a US homeowner having trouble keeping up with your payments, you can get help right now by visiting https://995hope.org/how-to-avoid-foreclosure/.


More Help Free Cancer-Specific Programs and Services

Personalized Help

Check out our free cancer-specific programs and services here.

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About Staff, Cancer Care News 100 Articles
Cancer Care News is a non-profit 501(c)(3) sharing evidence-based cancer updates & the latest free nationwide resources for patients & families. Please share the information you find helpful with others in need.

4 Comments

  1. This information should be printed on brochures and given out around the cancer hospitals. These can help prevent a million nervous breakdowns

  2. Hi David,

    We agree and are so happy you find the information helpful! There is so much financial stress that accompanies a cancer diagnosis. Hopefully, easy access to agencies that can help will ease some of that burden.

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