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Free hardship letters and plain-English help for rent, medical bills, utilities, food, and more. No signup. Nothing stored. Built for working people, by people who understand.

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Every page walks you through what to do today, what to do this week, and where to find local help.

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Hardship Letters

10 letter types · free generator

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Eviction & Housing

Notice response · rental aid

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Medical Bills & Debt

Negotiation · charity care

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Utility Help

LIHEAP · shutoff protection

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Food & SNAP

Apply · food banks · WIC

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Job Loss

Unemployment · COBRA · budgeting

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Returning Citizens

Re-entry · expungement · housing

› Crisis · exit button

Domestic Violence & Safety

Hotlines · safe housing

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Disability & SSI/SSDI

Apply · appeals · work rules

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Veterans

VA benefits · GI Bill · housing

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Legal Aid & Self-Help

Free lawyers · summons · waivers

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Tax Help

VITA · IRS hardship · EITC

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Funeral & Burial Help

SSA benefit · indigent burial

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Senior Help

Medicare · SHIP · meal programs

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ID & Documents

Birth cert · SS card · state ID

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Articles

Plain-English answers to the questions people actually ask. See all articles →

Eviction

What to do the day you get an eviction notice

Letters

How to write a hardship letter that actually gets read

Debt

What to say when collections calls

Utility

What to do if your power's about to be shut off

What this is

A working person's tool. Not a charity site.

What you'll find here

Free hardship letter templates
Plain-English how-to guides
Where to get local human help
Scripts you can read out loud

What you won't