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Financial Resources for Laid Off Federal Workers

Losing a job is stressful, but there are resources to help. Below are key steps to take and where to find help.

Unemployment Assistance

If you’ve been laid off, you may qualify for state unemployment benefits and other financial aid.

Managing Bills and Debt

  • Mortgage Payments: 
    Contact your lender and ask about hardship programs that may be available. Hardship programs are designed to assist people who are facing financial difficulties.
  • If You’re Behind On Your Mortgage: 
    If you're behind on your mortgage or think you might fall behind, contact the Washington Homeownership Resource Center right away. They can help you understand your options and available programs.
  • Credit Card Payments: 
    Call your bank or lender and explain your situation to them. Ask if there are any hardship programs. It's better to contact your lenders early if you think you will have trouble making payments.
  • Help with Utility Bills: 
    Some utility companies offer special programs for those facing financial difficulty. Programs may help with electricity, water, and gas bills. Contact your utility provider or visit the Utilities and Transportation Commission to learn more.

    You may also qualify for programs offered through Commerce grants: Low-Income Home Energy Assistance Program
  • Emergency Cash Assistance: 
    Temporary Assistance for Needy Families, also known as TANF, provides temporary, monthly cash to eligible families. TANF website.
  • Financial and Credit Counseling 
    If you're struggling with debt, a certified credit counselor can help. They can work with you to create a budget and a repayment plan. The National Foundation for Credit Counseling offers nonprofit credit counseling services to help you get out of debt.

Avoiding Scams

Scammers target laid-off employees with fake job offers and debt relief schemes.

Additional Resources