Useful resources for anyone

During these unusual circumstances, Listed below are few useful links and information.

JCP&L

https://www.firstenergycorp.com/help/billingpayments/assistance_serviceprogram/jersey_central_powerlight.html

JCP&L Customers who are facing hardships should call customer service at their utility company at the following number 1-800-662-3115.

PSE&G

https://nj.pseg.com/saveenergyandmoney/gethelppayingyourbill/cantaffordtopay

New Jersey residential customers experiencing financial difficulty as a result of issues related to the coronavirus should contact PSE&G by calling 1-800-357-2262 to enter into a deferred payment arrangement.

ConEd

https://www.coned.com/en

Customers can arrange for payment extensions and agreements online through “my account” or our call center is open but wait times may be longer than usual. You can reach us at 1-800-75-CONED (1-800-752-6633).

NJ Gas

https://www.njng.com/my-account-services/payment-options/PaymentAssistance.aspx

NJ Gas Customers experiencing a temporary hardship or having difficulty paying their energy bill can call us at 800-221-0051.

211

http://211.org/

If you need assistance finding food, paying housing bills or other essential services dial 211 to speak to an operator.

NJ Department of Labor

https://www.nj.gov/labor/

NJ Unemployment

https://myunemployment.nj.gov/labor/myunemployment/before/about/howtoapply/index.shtml

You might be eligible for partial unemployment even if you are still working. Go online or call the number for your area - North NJ residents 201-601-4100, Central NJ residents 732-761-2020, South NJ 856-507-2340.

NY Department of Labor

https://www.labor.ny.gov/home/

NY Unemployment

https://labor.ny.gov/ui/how_to_file_claim.shtm

You might be eligible for partial unemployment even if you are still working. Go online or call 1-888-209-8124.

Various Creditors

Contact the creditors directly if you have been impacted by the Coronavirus (COVID-19) and are experiencing a financial hardship.

TD Bank

Citi Bank

Amex

Capital One

Discover

Wells Fargo

Provident

Chase

Bank of America

Bank of America announced it will allow customers experiencing financial hardship due to coronavirus to defer payments on mortgages, auto loans and credit cards. Bank of America said it will work on a "case-by-case basis" to allow its customers to pause payments and that deferred payments won't negatively affect customers' credit scores, but that borrowers will need to make those payments eventually.

Student Loans

The federal government has temporarily waived all interest on federally held student loans for 60 days due to the coronavirus outbreak. Contact your loan provider for more details.

US Tax Filings

Tax Day has been moved from April 15 to July 15. All taxpayers and businesses will have this additional time to file and make payments without interest or penalties.

NY State Mortgage Relief

To alleviate some of the financial hardships New Yorkers are experiencing due to the spread of coronavirus, Gov. Andrew Cuomo announced a 90-day mortgage relief for homeowners across the state. According to Cuomo, this mortgage relief includes waive mortgage payments based on financial hardship, no negative reporting to credit bureaus, grace period for load modification, no late payment fees or online payment fees and postponing or suspending foreclosures. Contact your mortgage provider for more information.

Additional articles regarding financial issues

https://www.bankrate.com/finance/credit-cards/issuer-assistance-programs-amid-coronavirus-fears/

https://www.cnbc.com/2020/03/16/what-to-do-if-you-are-facing-financial-hardship-because-of-coronavirus.html