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The Right Connection - Financial and Emergency Assistance



Financial and Emergency Assistance

Click on each title below to see detailed information.

A general reference source about the employment-related provisions of Social Security Disability Insurance and the Supplemental Security Income Programs for educators, advocates, rehabilitation professionals, and counselors who serve people with disabilities is available in the 2015 Red Book, a guide to Work Incentives and other disability-related policies and programs, like Ticket to Work. Available online at:http://www.nasuad.org/hcbs/article/2015-red-book

Information on various federal and state tax credits and deductions available to low-and moderate-income households is available in the booklet Money Back in Michigan: http://www.mlpp.org/publications-reports/money-back-in-michigan

List of Macomb County Flexible Funds:  https://sites.google.com/site/mciacweb/documents

Help with basic necessities for Macomb County children who are homeless or living below poverty level is available from the Macomb Charitable Foundation, http://www.macombcharitablefoundation.org

Money management including a confidential analysis of the size and nature of debt, creation of a plan to reduce that debt, advocacy with creditors, negotiation of payment rates and terms, processes of payments to creditors, and education on managing money.  Available from Green Path Solutions with offices in Eastpointe and Utica, (800) 994-5537 or www.greenpath.com.  

Free confidential interview to analyze a family’s personal situation. If the family is unable to balance their budget, they may enroll in the debt management program. The debt management program will negotiate reduced payments with most of their creditors. The debt management fee is based on the amount of the debt, with the maximum charge being $50.00 per month. Call Consumer Credit Counseling Service. (586) 254-6011 (Utica). The toll free number is (800) 547-5005.



Family Independence Payments (FIP) (formerly Aid to Dependent Children) provides financial assistance, help with medical bills, buying food and with emergencies involving home repairs, eviction, utilities, appliances, or a lost or stolen check. Contact your local Department of Health and Human Services for current rules and services.

Department of Health and Human Services
Mt. Clemens District
(586) 469-7700
serving Mt. Clemens, Clinton Twp., Harrison Twp.,
St. Clair Shores, New Baltimore, Chesterfield
Sterling Heights District
(586) 254-1500
serving Armada, Bruce, Lenox, Macomb, Memphis 48041,
New Haven, Ray, Richmond, Rochester 48306, Romeo, Shelby,
Sterling Hgts., Utica, Washington
Warren District 
(586) 427-0600
serving Center Line, Eastpointe, Fraser, Roseville, Warren.

Project Life funds are available and may be accessed through church funds, Project Life or local parishes regardless of faith. Available from Catholic Charities of SE Michigan, (586) 416-2300 (Clinton Twp.) or (888) 4-BABY DUE.

Maternity clothes, baby layettes, infant clothing size 2 and smaller, high chairs, car seats, etc. are available from the following  pro-life organizations:

Birthright of Macomb County, Utica
Must call ahead of time Open Monday - Thursday 10:00 AM - 2:00 PM
(586) 254-5930
Compassion Pregnancy Clinton Twp.
Call to make an appointment to receive items.
(586) 783-9620

Low income day care assists parents who do not receive Family Independence Payments (FIP) (formerly Aid to Families with Dependent Children) and who need help in paying their child care costs in order to work. Available from:

Department of Health and Human Services
Mt. Clemens District
(586) 469-7700
serving Mt. Clemens, Clinton Twp., Harrison Twp., St. Clair Shores, New Baltimore, Chesterfield
Sterling Heights District 
(586) 254-1500
serving Armada, Bruce, Lenox, Macomb, Memphis 48041,
New Haven, Ray, Richmond, Rochester 48306, Romeo, Shelby,
Sterling Hgts., Utica, Washington.
Warren District
(586) 427-0600
serving Center Line, Eastpointe, Fraser,
Roseville, Warren.
To find out if you are eligible for food stamps, call the Food and Nutrition Program Hotline Monday - Friday 9:00 A.M. - 5:00 P.M. for a free, confidential screening at (800) 481-4989.

Emergency food items for households experiencing a sudden loss of income or other household budget crisis is available from Macomb County Community Services Agency Food Program, call (586) 469-6004, Monday - Friday, 8:30 A.M. - 5:00 P.M. for the location of the pantry nearest to the family’s home.

Emergency support and services for needy individuals and families, such as shelter and utility payments, and clothing.  Available at Community Action Centers:

COMMUNITY ACTION CENTERS
North Center, New Haven
(586) 749-5146
serving Armada, Bruce Twp.,  Chesterfield, Macomb,
Shelby Twp., New Baltimore, Lenox, Memphis, New Haven,
Ray, Richmond, the Macomb section of Rochester, Romeo,
Washington. (Communities north of 23 Mile Road)
Central Center, Mt. Clemens
(586) 469-6964
serving Clinton Twp., Fraser, Harrison Twp., Mt. Clemens,
Chesterfield, Shelby, Macomb, New Baltimore,
St Clair Shores, Selfridge ANG Base, Sterling Hgts.,
Utica (Communities north of 14 Mile Road and south of 23
Mile Road)
South Center, Warren
(586) 759-9150
serving Center Line, Eastpointe, Roseville,
and Warren. (Communities south of
14 Mile Road)

Limited money for rent for persons who have been evicted (for other than non-payment of rent) and it is a court-ordered eviction (with a document from the court.) Eligibility is based on income. The new housing has to be affordable (rent cannot be more than 65% of income). Cash assets above $50.00 have to be used for the rent and the subsidy is based on the family size. Available from the DHHS State Emergency Relief. Contact your local DHS office.

Department of Health and Human Services
Mt. Clemens District 
(586) 469-7700
serving Mt. Clemens, Clinton Twp., Harrison Twp.,
St. Clair Shores, New Baltimore, Chesterfield
Sterling Heights District
(586) 254-1500
serving Armada, Bruce, Lenox, Macomb, Memphis 48041,
New Haven, Ray, Richmond, Rochester 48306, Romeo, Shelby,
Sterling Hgts., Utica, Washington.
Warren District 
(586) 427-0600
serving Center Line, Eastpointe, Fraser,
Roseville, Warren.

Case management, technical assistance, and coordination of services for adults who are mentally ill, substance abusers or dually diagnosed. Funding can include security deposit, up to 4 months rent, and may include some incidental costs as determined by the case manager. To qualify:

  • must be 18 years or older,

  • current or last residence must be in Macomb County,

  • must be homeless or in immediate risk of becoming homeless

  • must participate in treatment while services are being offered.

For more information, call Supportive Housing Project/HUD, (586) 469-6152.

Financial help to crime victims who are injured or have lost income because of the crime. Applications are available at the Macomb County Prosecuting Attorney's Victim-Witness Rights Unit, (586) 469-5675. To receive compensation:

  • The crime must have happened in Michigan.

  • A police report must have been made within 48 hours of the crime, except for good cause, and the victim must cooperate with the investigation.

  • Victims must have suffered actual body harm (this may include pregnancy)

  • Victims cannot have contributed to the infliction of the injury nor have been responsible for, or an accomplice, to the crime.

  • Victims must have at least $200 out-of-pocket medical or rehabilitative expenses and/or a loss of two continuous weeks of earnings or support.

  • The claim must be filed within one year of the crime.

  • In the case of death, a claim may be filed by a family member. This may include funeral expenses.

  • Expenses or losses covered by personal insurance or that can be paid by another source will not be covered.

  • Incomplete applications can result in long delays in claim determination. Most claims will be processed within 12 to 16 weeks.

  • Minimum loss requirements may be waived for victims retired by reason of age or disability and for some victims of criminal sexual conduct.

The Victim - Witness program also helps in filing for Michigan Crime Victim Compensation; provides help in obtaining emergency services such as food, housing and clothing; makes referrals to other community agencies for additional help; provides information on how the Court works and the status of a particular case; goes with the victim to Court when requested; provides assistance in returning personal property to victims; provides victims an opportunity to express their feelings about their case to the judges at the time of sentencing; and provides information on obtaining restitution.

Assistance with prescription drug costs is available from/or at the following programs:

VA Benefits          
(800) 827-1000 or (313) 576-1000
www.va.gov
Prescriptions are available for low-income veterans at no charge. If income is over $11,830 (single) or $15,493 (couple) there is a charge of $8 per script.  Registration required.
Medical Outreach Clinic
(800) 493-8000
A customized van providing free medical care and free prescriptions to homeless, low-income, and uninsured working persons. Call the number at left for a list of locations and scheduled times.
Neighbors Caring for Neighbors Clinics
Henry Ford Macomb Hospital
Washington:  (586) 336-9288
Clinton Twp.:  (586) 649-6104
For persons of all ages, including low-income and the uninsured. Charges are based on the patient's ability to pay. Medical services provided by Nurse Practitioners treat both acute illnesses and chronic conditions, including exams, lab tests, X-rays, referrals, and prescriptions.
Downriver Community Services
(586) 749-5173 (New Haven)
Provides services for the homeless (includes persons in transitional housing, motels and those "doubling up"). Services include primary health care, emergency dental, vision, prescriptions, and substance abuse services.
MCCSA Action Centers
North: (586) 749-5146
Central: (586) 469-6964
South: (586) 759-9150
Will use emergency funds to assist with prescription costs for Macomb County residents in their service area who have no other coverage, also for items not covered by Medicaid. Income must be below 125% of the poverty level. These payments count toward a monthly spend-down requirement for Medicaid.
Tax relief for people who are unable to pay all or part of their property taxes due to their financial situation ("Property Tax Hardship Exemption") is available in every community in Macomb County.  Call for income eligibility:        
Community Telephone Meeting required?
Armada Twp. (586) 784-5200 No
Bruce Twp. (586) 752-4585 ext. 23 No
Chesterfield Twp. (586) 949-0400 ext. 6 No
Clinton Twp. (586) 286-9468 Meeting with assessor
Center Line (586) 757-6800 Yes
Eastpointe (586) 445-5005 No
Fraser (586) 293-3104 No
Harrison Twp. (586) 466-1410 No
Lenox Twp. (586) 727-2085, then press 1 No
Macomb Twp. (586) 992-0710, then press 3 No
Memphis (810) 392-2385 No
Mt. Clemens (586) 469-6318 ext. 4 No
New Baltimore (586) 725-2151 ext. 106 No
Ray Twp. (586) 749-5171 ext. 207 No, but has to be done in March
Richmond (586) 727-7571, then press 2, and then press 2 again No
Richmond Twp. (586) 727-8998 Yes
Roseville (586) 445-5430 No
St. Clair Shores (586) 445-3355

Yes March, July, December only

Shelby Twp. (586) 731-5910 No
Sterling Hgts. (586) 446-2340 No
Utica (586) 739-1600 Yes
Warren (586) 574-5432 No
Washington Twp. (586) 786-0016 ext. 3 No

House payments for jobless homeowners - helps unemployed homeowners stay in their homes by providing monthly mortgage payment assistance directly to their mortgage lender. The program may provide up to the lesser of $1,000 or 50 percent of a homeowner’s monthly mortgage payment each month for a maximum of 12 months. The homeowner is responsible for the remaining portion of the monthly payment. If you are currently delinquent on this mortgage, this program may also contribute available funds, not already reserved for the monthly payments, towards the delinquent mortgage amount. The maximum program reservation is $20,000. Available from Unemployment Mortgage Subsidy Program. Apply online at www.stepforwardmichigan.org or call (866) 946-7432.

Funds of up to $20,000 for eligible homeowners. This program helps homeowners who have fallen behind on their mortgage and need help catching up. The maximum program reservation is $20,000. Assistance will be paid directly to the lender/servicer to be applied toward the delinquent amount. These funds can also be used toward second mortgage lien delinquency if the first mortgage account is documented as current and you can continue to sustain both mortgage payments in the future. Available from the Mortgage Loan Rescue Program, apply online at www.stepforwardmichigan.org or call (866) 946-7432.

Funds up to $20,000 for homeowners that have fallen behind on their mortgage.  This program provides help for homeowners who have fallen behind on their mortgage and are still struggling to make their monthly payment. Maximum program reservation is $20,000. These funds are used to pay the delinquent amount so the lender/servicer can modify the existing mortgage terms to get to a more affordable or sustainable payment. Available from the Modification Plan Program, apply online at www.stepforwardmichigan.org or call (866) 946-7432.

A one-time match of up to $10,000 to homeowners with reduced income seeking to modify their mortgage loans.  This program provides help for homeowners who are struggling to pay their mortgage payment and their current loan balance is higher than the value of their home. Maximum program reservation is $10,000 but require a one-to-one match from the lender/servicer to equal a total amount of assistance of $20,000. These funds are used towards principal reduction so the lender/servicer can modify the reduced principal balance to get to a more affordable or sustainable payment. These funds can also be used toward second mortgage lien delinquency if the first mortgage account is documented as current and you can continue to sustain both mortgage payments in the future. Available from the Principal Curtailment Program, apply online at www.stepforwardmichigan.org or call (866) 946-7432.

Financial Assistance (PeopleCare funds) for low-income households as well as those who are experiencing temporary difficulties resulting from lay off, job changes, or other unexpected events that have affected the household’s ability to meet basic needs. For more information, call Salvation Army Offices, (248) 443-5500.

Guidance, stability, financial assistance and mentoring to Michigan families with children who are 18 years or younger and have lost a parent to death within the last two years.  The parent or guardian needs to contact the Foundation and go through an application process which includes an interview in their offices in Bloomfield. Each family’s needs are considered individually. Available from Yatooma's Foundation For The Kids, www.forthekidsfoundation.org

Health care financing using a credit card is offered by many of the most reputable health care organizations.  It can be used for a variety of services such as LASIK and Vision Care, cosmetic treatments and surgeries, dentistry, veterinary care, weight loss, chiropractic, and audiology.  CareCredit offers a variety of payment plans, so talk to the doctor about the plans offered and which plan will works best.  Clients can get No Interest if Paid in Full within 6, 12, 18 or 24 months on qualifying purchases made with their CareCredit card account.  Interest will be charged to the account from the purchase date if the promotional purchase is not paid in full within the promotional period.  Not all promotional plans are available at all participating professionals.  Minimum monthly payments required and may pay off purchase before end of promotional period.  To apply, go to www.carecredit.com.

Repaired damaged vehicles, bringing them back to “like-new” condition, and then give them to deserving families in desperate need of transportation. The application is available at: http://www.collexwheelsofhope.org/WoH/Home.html
Money for unpaid hospital bills may be applied for at the hospital where the service was received. All non-profit hospitals must provide charity care (using Hill-Burton funds) to the poor in order to maintain their tax exempt status. Make application for charity care with the hospital even if it is a past service. (If the patient is a child, the parent can apply for retroactive Medicaid for the child for three months back. There is no asset test for children. The income limit for children is 150% of poverty.)
Financial stability and profound hope to cancer patients and their families.  Qualified applicants must have either a parent or child currently undergoing cancer treatment and must have dependent children under the age of 18 living in the home.  Accepts applications through their website or through partnerships with hospitals and oncology social workers throughout Michigan. Available from New Day Foundation for Families, http://www.foundationforfamilies.org/we-can-help/programs/

Financial assistance or referrals to other financial resources for patients with all types of cancer are available from the American Cancer Society, (800) 227-2345.  http://www.cancer.org/treatment/supportprogramsservices/app/resource-search#

Scholarships for higher education is available for youth who have been in foster care for a period of time prior to their 18th birthday, are enrolled in or accepted into an accredited post-secondary program at the undergraduate level, Apprenticeship program, or technical school, are under the age of 22 on or before March of the year in which they applied for the scholarship, have been in foster care or orphaned while living in Michigan. Available from Big Family of Michigan, (586) 415-6968 to have a scholarship application and other requirements emailed.
Financial assistance for wounded, ill, and injured Operation Iraqi Freedom (OIF) and Operation Enduring Freedom (OEF) honorably discharged veterans with a VA disability rating and who are experiencingan unexpected financial setback. Money is available for mortgage, rent, auto loan, auto insurance, electric, natural gas, heating petroleum. All past due bills must be at least 30 days in arrears to qualify. Only one emergency financial request per household and one time only. To apply, download the Emergency Financial Assistance Application from: www.penfedfoundation.org and email to: militaryheroes@penfed.org

Workshops that helps individuals/families understand the importance of creating a spending plan, saving for emergencies and paying down debt.  Participants set personal and financial goals, learn the process of buying and maintaining a home, understand credit reports, rebuild credit, and become a confident investor. To register, call Macomb Community Action, (586) 469-7614 or http://msue.macombgov.org/sites/default/files/content/pdfs/msue/MMbrochure2016.pdf

Money management services including a confidential analysis of the size and nature of debt, creation of a plan to reduce that debt, advocacy with creditors, negotiation of payment rates and terms, processes of payments to creditors, and education on managing money. Available from Green Path Solutions with offices in Eastpointe and Utica, (800) 994-5537 or www.greenpath.com

Free confidential interview to analyze a family’s personal situation. If the family is unable to balance their budget, they may enroll in the debt management program.  The debt management program will negotiate reduced payments with most of their creditors. The debt management fee is based on the amount of the debt, with the maximum charge being $50.00 per month. Available from Consumer Credit Counseling Service, (586) 254-6011 (Utica) or (800) 547-5005 (Toll free).