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Self Help Tools

Money, Taxes, & Debt
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If you're more than $500 in debt on your electric bill, this program may be able to help you. You pay just your current monthly electric bill, each month and on time. For each month that you pay your current bill, your electric utility company will wipe out 1/12 of what you owe them on your back bill. Learn about how to enroll!
The bankruptcy laws changed in October 2005. These laws makes it harder for a very low-income person to find a lawyer to help with a bankruptcy case. We have posted this information to help you figure out what to do.
*The purpose of this page is to inform you of the options available. PTLA does not endorse or critique any of these services.  You may want to check with reliable consumer sites before signing on with a wireless company. 
LIHEAP funding continues to be lower than in previous years. This will mean that more households will be turning to local heating assistance programs after their LIHEAP money runs out.  Here is a summary of the programs we know about - followed by information about how to access local programs.  
This is to help you to understand some basics about the bankruptcy laws and rules. This may help you to make a more informed decision about whether filing for bankruptcy makes sense for you. We assume that you are a low-income client who may not be able to afford a lawyer.
Important Cautionary Notes Step One: Credit Counselling Step Two: Fill out the Court Forms Step Three: File all Required Forms and Documents
What property can I keep? How does filing for bankruptcy protect me from creditors? What happens at the ''meeting of creditors''? How are my debts resolved?