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UPDATE: Read the latest info on our response to the coronavirus...

Update

Northshore Community Church

We're Here to Help ∨

Need Help?

As the spread of COVID-19 continues to impact many individuals and families, we want to help. This resource has been created to help those who are experiencing financial hardship.

Currently, there are a number of measures being considered to help families financially over the coming weeks. For a summary of those items, see the “National Relief Measures” and “Local Relief Measures” sections below. People who anticipate having trouble making payments should review the “Steps To Take” list below. They should also seek financial assistance options in their areas (see “Financial Assistance Resources” section below).

If you need help in other ways (such as picking up groceries or medicines), please contact us at (425)216-4433

Steps to Take if You're Concerned About Paying Your Bills

BUDGET

  • If you haven’t looked at a budget in a while, now’s the time to do so. Every Dollar is a great free app to use to get a budget together.
  • Get clarity from your income sources as to what the reality will look like over the coming weeks.
  • Cut spending to bare necessities. If you can’t pay all of your bills, Dave Ramsey recommends you spend your money on these four items first and in this order: food, utilities, shelter, transportation

DEFER PAYMENTS

  • If you’re still not able to cover all of your expenses, identify payments that can be deferred:
  • Call creditors to explain your situation. You can ask for temporary relief on your monthly payments. If you offer to still send some money, even if it’s a smaller amount than your typical payment, they might be more willing to work with you.
  • If you have federal student loans, you can forbear (interest accrues) or defer (interest doesn’t accrue on subsidized federal loans) your loan payments.
  • If you’re paying extra on debt(s) right now and have less than one to two months’ worth of expenses in an emergency fund, it might not be a bad idea to temporarily stop extra payments and then restart them once things settle down.
  • Enroll for health insurance, if you can.
  • Use this week to get a game plan together and gather information, as there may be more changes coming.

National Relief Measures

Effective Immediately (Updated: 3/22)

  •  Payments on federal student loans may be paused without interest accruing. This will be in effect for 60 days effective 3/13. Borrowers should contact their loan servicer to ask about this.
  • The tax filing deadline has been moved from April 15 to July 15.
  • Foreclosures and evictions will be suspended for 60 days on all HUD-owned properties and mortgages backed by the FHA, Fannie Mae, or Freddie Mac. Additionally, homeowners are eligible for a forbearance plan to reduce or suspend their mortgage payments for up to 12 months. Borrowers should contact their loan servicer to ask about this.
  • Free COVID-19 testing to anyone, regardless of insurance status.
  • Emergency paid leave for up to three months if you are sick, quarantined, or taking care of a sick family member. It would be 2/3 of your normal salary and doesn’t apply if you receive unemployment compensation (employers with fewer than 500 employees).
  • Paid sick leave for two weeks (employers with fewer than 500 employees).
  • Bank of America, Wells Fargo, and Ally Bank have all said that if customers are having trouble making payments on loans (mortgages, credit cards, personal loans, auto loans, etc.) to call them to find out what options are available.

Local Relief Measures

Rent

  • Gov. Jay Inslee Wednesday announced a 30-day statewide moratorium on evictions for residential tenants

Utilities

  • Seattle Public Utilities and Seattle City Light will keep utility services on during the COVID-19 Civil Emergency in Seattle. This will provide immediate utility relief for customers, both residential and commercial, financially impacted by the COVID-19 outbreak. Effective immediately, all SPU and SCL customers can set up deferred payment plans if their financial stability has been jeopardized by COVID-19. Utility service will stay on as their deferred payment plans are developed and implemented. In addition to encouraging customers to set up payment plans, SPU and SCL have created a Utility Discount Program (UDP) self-certification form for income-eligible customers.
  • Puget Sound Energy – No late fees or shut-offs during the coronavirus crisis. The company launched a new energy assistance portal to improve access to funds available to low-income customers. The PSE Foundation, a nonprofit operating independently of PSE but helping the communities PSE serves, is donating $250,000 to support relief efforts in the community through the Seattle Foundation as well as donating to food banks to cover emergency preparations.
  • Snohomish Public Utilities will not disconnect for late payments during coronavirus outbreak.

Cell Phone/Internet

  • Xfinity will not disconnect or add late fees for customers who contact the company. Customers will have unlimited data for 60 days, and Xfinity Wi-Fi hotspots will be free for anyone. New customers will also get access to 60 days of free Internet Essentials service (25 Mbps).
  • AT&T, Verizon, and Sprint will not terminate or add late fees for the next 60 days. Public Wi-Fi hotspots are also open and customers will receive unlimited Internet data.
  • T-Mobile is offering unlimited data to all current customers who have plans with data for the next 60 days. It will also provide additional data to mobile hotspot users.
  • CenturyLink is waiving late fees, unlimited data and no disconnects for 60 days.
  • Spectrum Mobile – no late fees, free wifi hotspots, no disconnects for 60 days.

Unemployment Insurance

Small Businesses

Financial and Food Assistance Resources

Food Pantries

Student Meals

The following school districts are providing free meals to all children, regardless of enrollment.

 

Information

  • SUNDAYS AT 8, 9:30 & 11AM
  • 10301 NE 145TH ST
    KIRKLAND, WA 98034
    Directions