{"id":412,"date":"2020-03-31T22:14:30","date_gmt":"2020-04-01T02:14:30","guid":{"rendered":"https:\/\/dev.pirg-test.com\/georgia\/edfund\/resources\/how-approach-bill-payments-during-covid-19\/"},"modified":"2022-08-24T08:51:14","modified_gmt":"2022-08-24T12:51:14","slug":"how-to-approach-bill-payments-during-covid-19","status":"publish","type":"resource","link":"https:\/\/dev.pirg-test.com\/georgia\/edfund\/resources\/how-to-approach-bill-payments-during-covid-19\/","title":{"rendered":"How to Approach Bill Payments During COVID-19"},"featured_media":14341,"template":"","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":false,"_yoast_wpseo_meta-robots-nofollow":false,"_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":""},"campaign_tax":[157],"display_option":[],"issue_tax":[],"resource_type":[67],"region_tax":[],"state":[5,7,8,9,12,13,16,18,23,24,25,28,29,2,32,33,34,36,38,40,41,42,46,50,52],"topic_tax":[124],"class_list":["post-412","resource","type-resource","status-publish","hentry"],"acf":{"details":{"helper_taxonomies":{"topics":[124],"collection":false,"press_type":false,"person_type":false,"resource_type":67,"event_type":false,"campaigns":157,"department":false,"level":false,"states":[5,7,8,9,12,13,16,18,23,24,25,28,29,2,32,33,34,36,38,40,41,42,46,50,52],"act_option":false,"display_option":false,"primary":{"topic":124}},"subtitle":"","excerpt":"If you're struggling financially because of this pandemic, here's how you can delay this month's bills.","featured_image":14341,"caption_override":"","updated_on":null,"sidebar_action":"","related_event":"","hide_hero_image":false,"location":"","external_link":{"publication_name":"","url":""},"file":null,"sidebar_action_query_string":""},"helper_people_group":{"title":"Authors","entities":null},"helper_downloads":{"title":"Downloads","files":null},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<html><body><div class=\"field-collection-view clearfix\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t<div class=\"field field-name-field-section-body field-type-text-long field-label-hidden\">\r\n\r\n  \r\n  <p><style>\r\n.campaign-banner h1.title {font-size: 65px;}\r\n.view-id-consumer_tips .pagination, .view-id-covid_19_tips .pagination {clear: both}\r\n.pagination {display: table; margin-left: auto; margin-right: auto;}\r\n.gridWrapper {}\r\n.gridItem .field-type-image img {\r\n    max-width: 100%;\r\n    height: auto;}\r\n.gridList {padding: 0px; margin: 0px; list-style: none;}\r\n.gridItem {padding-bottom: 10px}\r\n.field-name-field-section-title {text-align: center;}\r\n.gridItem .field-type-image {border: 1px solid #999; background-color: #efefef; border-bottom: 0px;}\r\n.gridItem h5 {margin: 0px; line-height: 1.2em; padding: 10px 10px 0px 10px; border: 1px solid #999; border-top: 0px; border-bottom: 0px; background-color: #efefef;}\r\n.gridItem p {margin: 0px; padding: 0px 10px 10px 10px; min-height: 82px; border: 1px solid #999; border-top: 0px; background-color: #efefef;}\r\n.views-row-odd {clear: both;}\r\n.bottomText {\r\n    background-color: #efefef;\r\n    padding: 20px;\r\n    border: solid #333;\r\n    border-width: 0px 1px 1px 1px;\r\n}\r\n.bottomText h5 {\r\nmargin: 0px;\r\n}\r\n<\/style><script>\r\njQuery( document ).ready( function() {\r\n   jQuery(\"div.campaign-banner-image .field-name-field-image-splash\").prepend( \"<div class='addOverlay'>\u00a0<\/script><\/p><\/div>\" );\r\n});\r\n\r\n<style>\r\n.motto h4.subhead, .campaign-banner h4.subhead {font-size:18px;text-shadow:none;}\r\n.addOverlay {background:rgb(255,255,255);opacity:0;height:100%;width:100%;top:0;left:0;position:absolute;padding:0;}\r\n.motto .subhead {font-size:18px;text-shadow:none;}\r\n.byline {font-size: 14px; color: #666666; border-top: 1px solid #c61b2d; margin-bottom: 20px;}\r\n@media\u00a0(min-width: 768px){\r\n.motto .subhead {font-size:18px;text-align:left;}\r\n}\r\n<\/style><script>\r\njQuery( document ).ready( function() {\r\n    jQuery(window).scroll(function () {\r\n        var currentScrollTop = jQuery(window).scrollTop();\r\n\tvar opacityValue = currentScrollTop\/jQuery(\".campaign-banner-image\").height();\r\n\tvar opacityRevValue = 1 - opacityValue; \r\n        jQuery(\".addOverlay\").css(\"opacity\", opacityValue );\r\n    });\r\n    });\r\n<\/script><script type=\"text\/javascript\" src=\"https:\/\/cdn.jsdelivr.net\/jquery.jssocials\/1.4.0\/jssocials.min.js\"><\/script><link type=\"text\/css\" rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/jquery.jssocials\/1.4.0\/jssocials.css\"><link rel=\"stylesheet\" href=\"\/\/netdna.bootstrapcdn.com\/font-awesome\/4.3.0\/css\/font-awesome.min.css\"><link type=\"text\/css\" rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/jquery.jssocials\/1.4.0\/jssocials-theme-plain.css\"><script>\r\njQuery( document ).ready( function() {\r\njQuery( \".shareQuote\" ).each(function() {\r\nvar urlCurrent = window.location.href;     \/\/ Returns full URL\r\nvar shareText = jQuery( this ).text();\r\njQuery( this ).append( \"<div class='shareBox'><\/script><\/div>\" );\r\n jQuery( \".shareBox\", this ).jsSocials({\r\n            shares: [\"twitter\", \"facebook\"],\r\n \/\/ URL to share\r\n  url: urlCurrent,\r\n  \/\/ text to share\r\n  text: shareText,\r\nshowLabel: false\r\n        });\r\n    });\r\n});\r\n\r\n<style>\r\n.shareBoxx {float: right; width: 50px; margin-left: 20px; margin-top: -15px;}\r\n.shareBox {text-align: center;}\r\n.jssocials-shares {margin: 0 0;}\r\n<\/style><\/div>\r\n<div class=\"field-collection-container clearfix\"><div class=\"field field-name-field-find-out-more-link field-type-field-collection field-label-hidden\">\r\n\r\n  \r\n  <div class=\"field-collection-view clearfix field-collection-view-final\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t  <\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>  <\/div>\r\n\r\n<\/body><\/html>","":null}},{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<html><body><div class=\"field-collection-view clearfix\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t<div class=\"field field-name-field-section-body field-type-text-long field-label-hidden\">\r\n\r\n  \r\n  <p dir=\"ltr\"><a href=\"https:\/\/uspirgedfund.org\/feature\/usp\/aplazando-los-pagos-de-factura-durante-el-covid-19\">En espa\u00f1ol:<\/a> The COVID-19 pandemic has upended many industries, and as a result, Americans who can\u2019t work from home, have seen their hours cut, or can\u2019t work at all during this crisis may be facing serious financial hardship. In response, some banks, utility companies, and individual property owners are recognizing the need to provide flexibility to help people stay safe and secure during this time. Here are some tips to defer your bills or payments, and how to avoid traps that may leave you financially vulnerable.<\/p>\r\n\r\n<\/div>\r\n<div class=\"field-collection-container clearfix\"><div class=\"field field-name-field-find-out-more-link field-type-field-collection field-label-hidden\">\r\n\r\n  \r\n  <div class=\"field-collection-view clearfix field-collection-view-final\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t  <\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>  <\/div>\r\n<\/div>\r\n<\/div><\/body><\/html>","":null}},{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<html><body><div class=\"field-collection-view clearfix\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t<div class=\"field field-name-field-section-title field-type-text field-label-hidden\">\r\n\r\n  \r\n  Evaluating your Finances\r\n<\/div>\r\n<div class=\"field field-name-field-section-body field-type-text-long field-label-hidden\">\r\n\r\n  \r\n  <ol><li><strong>Make a list.<\/strong> Gather a complete list of your bills and payments -- from student loans, to credit cards, to rent and utilities. Note the companies\u2019 names for each and any relevant affiliates.<\/li>\r\n<li><strong>Assess interest rates.<\/strong> For each of your credit cards or loans, make note of the interest rates you\u2019d owe for each if you weren\u2019t able to make your payment. If you have a choice of multiple credit cards, you should use the account that accumulates the lowest interest rate.<\/li>\r\n<li><strong>Determine which you can pay<\/strong>: If you cannot pay all your bills, evaluate which you should pay first because they will have long term impacts on your finances, home, credit rating or other factors. Prioritize those first.<\/li>\r\n<\/ol><\/div>\r\n<div class=\"field-collection-container clearfix\"><div class=\"field field-name-field-find-out-more-link field-type-field-collection field-label-hidden\">\r\n\r\n  \r\n  \r\n<\/div>\r\n<\/div>  <\/div>\r\n<\/div>\r\n<\/div><\/body><\/html>","":null}},{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<html><body><div class=\"field-collection-view clearfix\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t<div class=\"field field-name-field-section-title field-type-text field-label-hidden\">\r\n\r\n  \r\n  Engaging With Your Company or Provider\r\n<\/div>\r\n<div class=\"field field-name-field-section-body field-type-text-long field-label-hidden\">\r\n\r\n  \r\n  <ol><li dir=\"ltr\">\r\n<p dir=\"ltr\"><strong>Gather the information you\u2019ll need.<\/strong> Look up the information that your bank or loan servicer requires to submit a request or make a payment. This can include your social security number, your account username and password, your most recent address, and any information you may have used to create a two-factor authentication login for increased security.\u00a0<\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><strong>Try multiple methods of contact.<\/strong> Many customer service phone numbers are being flooded with callers hoping to get in contact with a real person as quickly as possible. Knowing this, companies are begging their customers to use the online channels they\u2019ve set up for COVID-19 concerns. If you do call, you should factor in that you may be waiting awhile and consider that an online option may actually be faster.<\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><strong>Calmly explain your circumstances.<\/strong> This pandemic has affected people in countless ways and many are struggling. Explain the details of your situation and the concerns you\u2019re facing, while tying your request back to your strengths -- whether that\u2019s a good credit score, consistently on-time payments, etc.\u00a0<\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><strong>Make a specific ask.<\/strong> Will your bank lower your minimum payment for the next few months? Can they waive any interest fees or overdraft fees on your balance? These are all important and specific asks that may clarify for the customer service representative what you\u2019re looking for.<\/p>\r\n<\/li>\r\n<\/ol><\/div>\r\n<div class=\"field-collection-container clearfix\"><div class=\"field field-name-field-find-out-more-link field-type-field-collection field-label-hidden\">\r\n\r\n  \r\n  \r\n<\/div>\r\n<\/div>  <\/div>\r\n<\/div>\r\n<\/div><\/body><\/html>","":null}},{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<html><body><div class=\"field-collection-view clearfix\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t<div class=\"field field-name-field-section-title field-type-text field-label-hidden\">\r\n\r\n  \r\n  Changes in Bank and Utility Policies\r\n<\/div>\r\n<div class=\"field field-name-field-section-body field-type-text-long field-label-hidden\">\r\n\r\n  \r\n  <p dir=\"ltr\">Many banks are publishing exceptions during this pandemic that may allow you to postpone debt payments -- with offers of zero interest or lowered minimum payments. <a href=\"https:\/\/www.usatoday.com\/story\/money\/2020\/03\/16\/utility-cable-internet-phone-coronavirus-covid-19\/5060084002\/\">USA Today<\/a> has also identified how some utility companies like Comcast and AT&T are providing <a href=\"https:\/\/www.usatoday.com\/story\/money\/2020\/03\/16\/utility-cable-internet-phone-coronavirus-covid-19\/5060084002\/\">free services<\/a>.\u00a0<\/p>\r\n<p dir=\"ltr\">Here\u2019s a list of major banks\u2019 updated policies and contact forms for COVID-19 concerns. We will continue to update as new information becomes available.<\/p>\r\n<ol><\/ol><ul><li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.ally.com\/coronavirus-response\/\">Ally<\/a>\u00a0<\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/about.bankofamerica.com\/promo\/assistance\/latest-updates-from-bank-of-america-coronavirus\">Bank of America<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.capitalone.com\/coronavirus\/\">Capital One<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.chase.com\/digital\/resources\/coronavirus\">Chase<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/online.citi.com\/US\/JRS\/pands\/detail.do?ID=covid19\">Citibank<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.discover.com\/coronavirus\/\">Discover<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.pnc.com\/en\/customer-service\/hardship-request.html\">PNC Bank<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.usbank.com\/splash\/covid-19.html\">U.S. Bank<\/a><\/p>\r\n<\/li>\r\n<li dir=\"ltr\">\r\n<p dir=\"ltr\"><a href=\"https:\/\/www.wellsfargo.com\/jump\/enterprise\/coronavirus-response\">Wells Fargo<\/a><\/p>\r\n<\/li>\r\n<\/ul><\/div>\r\n<div class=\"field-collection-container clearfix\"><div class=\"field field-name-field-find-out-more-link field-type-field-collection field-label-hidden\">\r\n\r\n  \r\n  \r\n<\/div>\r\n<\/div>  <\/div>\r\n<\/div>\r\n<\/div><\/body><\/html>","":null}},{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":"","component_wysiwyg":{"content":"<html><body><div class=\"field-collection-view clearfix field-collection-view-final\"> <img src=\"\/sites\/pirg\/modules\/pirg_custom\/js\/spacer.gif\" alt=\"tab\" class=\"tab-image\"><div class=\"panel-content\">\r\n  <div class=\"overlay\">\r\n\t<div class=\"field field-name-field-section-title field-type-text field-label-hidden\">\r\n\r\n  \r\n  How to Avoid High Interest Rates and Scams\r\n<\/div>\r\n<div class=\"field field-name-field-section-body field-type-text-long field-label-hidden\">\r\n\r\n  \r\n  <ol><li><strong>Avoid cash advances and payday loans.<\/strong> These loans are easy to receive, but can become incredibly expensive, with huge interest rates that add up quickly if you fail to pay off the full amount within 2-4 weeks. If you\u2019re struggling financially, it\u2019s better to take the steps above, rather than buy into these cash advances or payday loans.\u00a0<\/li>\r\n<li><strong>Don\u2019t share your bank or financial information.\u00a0<\/strong>Many scammers are using this pandemic as an opportunity to trick people into disclosing their confidential information, and may try to contact you with fake opportunities for loan forgiveness or early stimulus checks. Never share your social security number or other banking information over the phone with an unverifiable number, email, or website.<\/li>\r\n<\/ol><\/div>\r\n<div class=\"field-collection-container clearfix\"><div class=\"field field-name-field-find-out-more-link field-type-field-collection field-label-hidden\">\r\n\r\n  \r\n  \r\n<\/div>\r\n<\/div>  <\/div>\r\n<\/div>\r\n<\/div><\/body><\/html>","":null}}],"site_specific_content":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Approach Bill Payments During COVID-19<\/title>\n<meta name=\"description\" content=\"If you&#039;re struggling financially because of this pandemic, here&#039;s how you can delay this month&#039;s bills.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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