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Apply Now & Get Fast Funding!Facing a high-cost energy bill or a disconnection notice can be incredibly stressful. For residents in Port Lavaca, Point Comfort, and across the region, a calhoun county texas electric bill assistance program may be available to provide financial relief. Support is accessible through state and federal programs like CEAP, local community agencies, and specific utility provider options. This information details the exact agencies to contact, what you need to apply, and the immediate steps you can take to protect your service.
Before seeking external aid, your first call should be to the Retail Electric Provider (REP) listed on your bill. You have specific rights as a Texas utility customer that can prevent disconnection. Contacting your provider immediately is the most direct action you can take. By law, when you indicate an inability to pay, your REP must inform you of all applicable payment options and payment assistance programs that are available.
Understand Your Rights: Deferred Payment Plans
If you cannot pay your full amount, you have the right to request a Deferred Payment Plan. The Public Utility Commission of Texas (PUCT) requires REPs to offer this option to residential customers who have expressed an inability to pay. This is not a request for a favor; it is a formal payment arrangement.
A deferred payment plan allows you to pay an outstanding balance in installments that extend beyond the next bill. Your REP must inform you of this option. According to PUCT rules, the plan must allow you to pay the delinquent amount in equal installments lasting at least three to five billing cycles. It is critical to fulfill all terms of this plan, as failure to do so can lead to disconnection.
Disconnection Protections for Medical Needs or Weather
Your REP may not be able to disconnect your service under specific, critical conditions.
Medical Necessity: Disconnection can be postponed if a person in the home has a critical medical condition that requires electricity, but this is not automatic.
To obtain this exemption:
This protection from disconnection lasts for 63 days.
Extreme Weather: Protections are also in place during extreme weather events. This applies when the National Weather Service issues a heat advisory or a cold alert in your area.
The primary, government-funded program for energy bills is the Comprehensive Energy Assistance Program (CEAP). This is the state of Texas's version of the federal Low Income Home Energy Assistance Program (LIHEAP).
A key point of understanding is how this program is managed. The Texas Department of Housing and Community Affairs (TDHCA) oversees the funds, but you do not apply to them. TDHCA distributes the funds to local "subrecipients," which are community agencies that handle applications and distribute the aid across all 254 counties. Your application must go through the designated local agency for Calhoun County.
The Local Agency for CEAP Applications
This is the most critical contact for residents seeking the CEAP/LIHEAP program. The designated subrecipient and administrator for Calhoun County is the Community Action Committee of Port Lavaca.
When searching for assistance, you may see information for other agencies in Central Texas or surrounding areas. Be aware that those agencies serve other counties (like Hays or Caldwell). For CEAP in Calhoun County, the Community Action Committee of Port Lavaca is the correct office to contact.
How CEAP Provides Support
CEAP is designed to assist low-income households in meeting their immediate energy needs.
Services include:
While all low-income households can apply, priority is given to the most vulnerable. This includes households with:
Eligibility is based on income. To qualify, your household's income must be at or below 150% of the Federal Poverty Guidelines. You will be required to provide proof of income for the past 30 days for your household.
In addition to the official CEAP program, local community-based organizations may offer emergency funds. These are often the quickest source of aid for a pending disconnection.
It is important to differentiate between two local organizations with similar names. The "Community Action Committee" (discussed above) is the official administrator for the government CEAP program. The "Calhoun County Community Ministries" is a separate, local charity providing its own emergency fund.
Calhoun County Community Ministries (CCCM)
The Calhoun County Community Ministries (CCCM) is a local organization that provides a "Food Pantry & Emergency Fund." This fund is specifically designated to provide emergency assistance with rent and utilities.
Contact Information:
www.calhouncountyministerialalliance.org Documents to Prepare for Local Aid
To apply for help from either the Community Action Committee or Calhoun County Community Ministries, you will need to provide documentation. Preparing these items in advance will speed up the process.
Be prepared with the following:
If you need further help or do not qualify for the programs above, several broader networks are available.
Applying for Salvation Army Assistance
The Salvation Army is a national organization that provides emergency rent and utility assistance. While the nearest major office is in Victoria , the most effective way for residents of any county to apply for financial aid is through their centralized online portal.
To apply, go to https://sahelp.org. This website allows you to enter your zip code, which will match you to the appropriate Salvation Army location that serves Calhoun County. You can then begin the confidential online application for assistance. This process is often more direct than trying to find a local service office.
2-1-1 Texas: A Statewide Resource
2-1-1 Texas is a free, confidential information and referral service. You can contact them 24/7 to find resources in your area.
How to Contact:
TDHCA's "Help for Texans" Search Tool
The Texas Department of Housing and Community Affairs (TDHCA) maintains an official search tool to help you find local providers.
To use this tool, visit https://www.tdhca.texas.gov/help-for-texans. Select "Utility Bill Payment Help" from the menu, then enter "Calhoun County" or your city (like Port Lavaca) into the search field. This tool will provide you with the contact information for the designated providers in the area, confirming the agencies listed here.
As a resident of Calhoun County, your transmission and distribution utility is AEP Texas. AEP Texas offers its own set of programs, which are separate from the CEAP and local charity programs.
It is vital to understand the difference between these programs. Most AEP programs are focused on energy efficiency—helping you lower your bills over time—not on emergency bill payment for a current, overdue bill.
Efficiency Programs (Not Direct Bill Payment)
Most AEP Texas programs for low-income residents are designed to lower your energy use and reduce your bills over time through home improvements.
These programs include:
You do not apply for these programs directly with AEP. They are delivered through a network of approved contractors. You can find a list of participating contractors and learn more at https://aeptxsaves.com/residential-programs/.
Neighbor to Neighbor Program (Direct Bill Payment)
AEP Texas does sponsor one program for direct bill payment, which is administered by the Dollar Energy Fund.
The Neighbor to Neighbor Program is a hardship fund. It is often considered a "fund of last resort," which may mean you need to apply for CEAP first. The program provides a grant that is applied directly to your SWEPCO/AEP bill.
To apply, the best way to start is by calling AEP's customer service (1-877-373-4858 ) and asking specifically about the "Neighbor to Neighbor Program." They can provide you with information on how to apply through the Dollar Energy Fund or its local partner agencies.
Facing financial hardship is difficult, but resources are available for Calhoun County residents. The most important action is the first one: contact your electric provider immediately to request a deferred payment plan. At the same time, gather your documents and call the Community Action Committee of Port Lavaca or Calhoun County Community Ministries to begin the application process for direct assistance.
The primary provider for Calhoun County Texas electric bill assistance is the Community Action Committee of Victoria (CACV), which now largely operates as Crossroads Community Action. They administer the federally funded Comprehensive Energy Assistance Program (CEAP) and LIHEAP for Calhoun County residents. While their main headquarters is in Victoria, they serve Port Lavaca and surrounding areas directly.
Not necessarily. While the main processing center is in Victoria (4007 Halsey St), Crossroads Community Action typically maintains a satellite presence in Port Lavaca to assist locals.
Port Lavaca Contact: You can often reach their local Calhoun County outreach at (361) 575-0478 or visit their designated office space at 106 S. Commerce, Suite #A, Port Lavaca, TX 77979.
Tip: Always call first, as satellite office hours can change or move to appointment-only schedules.
To qualify for the Comprehensive Energy Assistance Program (CEAP), your household income must generally be at or below 150% of the Federal Poverty Guidelines.
1 Person: ~$23,475/year
2 People: ~$31,725/year
3 People: ~$39,975/year
4 People: ~$48,225/year
Note: These figures are estimates based on 2025 projections. Priority is strictly given to households with seniors (60+), individuals with disabilities, and families with children under 5.
Yes. If your financial crisis is related to domestic violence or sexual assault, The Harbor Children's Alliance & Victim Center in Port Lavaca may be able to assist or provide referrals.
Role: They focus on safety and crisis intervention, which can sometimes include emergency financial advocacy for victims fleeing abusive situations.
Location: 215 W Railroad St, Port Lavaca, TX 77979.
Crisis Hotline: (361) 552-HELP (4357).
The Salvation Army does not have a large standalone facility in Calhoun County like they do in major cities. Instead, they operate through Service Extension Units—often run by volunteers or partnered with local churches/civic groups.
How to Access: Do not look for a "Salvation Army" building. Instead, contact the Calhoun County Senior Citizens Association or local churches (like First Baptist Church Port Lavaca) to ask who currently holds the Salvation Army service extension vouchers for the county.
Yes. Apart from the CEAP priority status mentioned above, seniors should contact the Calhoun County Senior Citizens Association.
Services: While they primarily offer meals and transportation, they are the central information hub for senior-specific emergency grants and can direct you to the correct local benevolence funds.
Phone: (361) 552-3350.
Several churches in Port Lavaca may have small "benevolence funds" for one-time emergencies, though funds are limited and often require an interview.
Our Lady of the Gulf Catholic Church: Often has a St. Vincent de Paul society or similar ministry for parish boundaries. Call the rectory at (361) 552-6140.
First Baptist Church Port Lavaca: Located at 902 Calhoun St. Call (361) 552-2931 to inquire about their application process for local aid.
Tip: Be prepared to show a disconnect notice; churches rarely assist before that stage.
The state-funded "Lite-Up Texas" program was discontinued in 2016. It no longer exists. Do not trust websites asking for an application for this program. You must now rely on CEAP (via Crossroads Community Action) or provider-specific aid (like TXU Energy Aid or Reliant CARE) for bill reductions.
If you are disconnected:
Call Crossroads Community Action (361-578-2989) immediately and state you have a "crisis" status. This may fast-track your application.
Contact your provider:
TXU Customers: Ask for "TXU Energy Aid" (800-242-9113).
Reliant Customers: Ask for the "CARE Program" (866-222-7100).
Visit 211 Texas: Dial 2-1-1 from your phone for the most current list of active local charities with remaining funds for the month.
To avoid denial, bring physical copies of the following to your appointment:
Proof of Income: Pay stubs for the last 30 days for all household members (18+).
ID: Driver’s license or state ID for the applicant.
Utility Bill: Your most recent electric bill (must show name and account number).
Consumption History: A 12-month usage history (you can request this printout from your electric provider, e.g., AEP Texas, TXU, Reliant).
Award Letters: If you receive Social Security, SNAP, or TANF, bring the current year's award letter.
Residents of Callahan County, Texas, seeking electric bill assistance program information have several immediate options for financial help. Facing high energy costs or a disconnection notice can be stressful, but resources are available.
Help is available through local community action agencies, state-level programs, and specific utility provider funds. The primary organization designated to administer utility assistance for Callahan County is Cornerstone Community Action Agency, which manages the state's Comprehensive Energy Assistance Program (CEAP) for local households.
This information will connect residents directly to the services available to help them manage energy bills and navigate the application processes.
For residents of Callahan County, the most direct path to receiving state and federal utility assistance is through a designated local provider. The Texas Department of Housing and Community Affairs (TDHCA) does not provide funds or accept applications from individuals directly. Instead, it distributes all assistance through local subrecipient organizations.
Cornerstone Community Action Agency
Cornerstone Community Action Agency is the designated local provider responsible for administering the Comprehensive Energy Assistance Program (CEAP) for Callahan County residents. This agency is the starting point for most applications for government-funded utility aid.
The specific assistance programs available to a household in Callahan County depend entirely on the company that provides the electricity.
The county is served by both member-owned electric cooperatives and by Retail Electric Providers (REPs) operating in Texas's deregulated market.
The pathway to assistance is different for these two types of providers. Before seeking help, residents should look at their most recent electric bill to identify their provider.
Members of the Comanche Electric Cooperative Association (CECA) have a dual-track strategy for seeking assistance. They are eligible to apply for both the state's CEAP program (via Cornerstone) and a separate fund established for cooperative members. Applicants are encouraged to apply for both programs.
Program 1: Comprehensive Energy Assistance Program (CEAP)
This is the primary state-level assistance program for all low-income Texans.
Program 2: Brazos Electric Cooperative Hardship Fund
This is a separate fund created specifically for members of participating Brazos Electric member cooperatives, which includes CECA.
brazoshardshipfund.com.Customers of Retail Electric Providers (REPs) like TXU Energy or Reliant Energy also have a dual-track strategy. They can apply for the state's CEAP program and their specific provider's own charitable assistance program.
Program 1: Comprehensive Energy Assistance Program (CEAP)
This foundational program is available to all eligible low-income households, regardless of their REP.
Program 2: Provider-Specific Charitable Programs
Major REPs, in partnership with local social service agencies, offer their own private assistance funds. The application process for these funds is separate from CEAP and is typically coordinated through the 2-1-1 Texas hotline.
TXU Energy Aid
TXU Energy provides bill-payment assistance to customers in need through its TXU Energy Aid program.
Reliant Energy Community Assistance by Reliant Energy (CARE) Program
Reliant Energy offers support to customers facing extreme hardship through its CARE program, which is funded by the company and customer contributions.
Assistance from Other Providers
Residents who are customers of other REPs should call the customer service number listed on their monthly bill. They should ask directly about "payment extensions" or "bill payment assistance programs," as many providers offer internal options.
The assistance programs available in Callahan County are part of a larger state and federal structure.
Texas Comprehensive Energy Assistance Program (CEAP)
CEAP is the primary utility assistance program in the state. It is designed to assist low-income households in meeting their immediate energy needs by providing financial assistance for electricity, gas, and propane.
The program is administered by the Texas Department of Housing and Community Affairs (TDHCA) through a network of local providers, like Cornerstone Community Action Agency.
Low Income Home Energy Assistance Program (LIHEAP)
LIHEAP is the federal program that funds the state's CEAP. These federal funds are provided to help low-income households with heating and cooling energy costs, bill payment assistance, and energy crisis assistance.
When a resident applies for CEAP, they are applying for assistance made possible by LIHEAP.
Important: The Texas Utility Help Portal (TUH) is CLOSED
It is critical for applicants to know that the state's "Texas Utility Help" website (texasutilityhelp.com) is CLOSED and is no longer accepting new energy or water applications. Any resource directing residents to that portal is providing outdated information.
The correct state-level resource is the TDHCA "Help for Texans" website, which can be found at httpss://www.tdhca.texas.gov/help-for-texans. This portal is a search tool that will direct Callahan County residents to Cornerstone Community Action Agency.
Applying for utility assistance is a formal process that requires specific documentation from all household members. Preparing these documents in advance can speed up the process.
Income Eligibility
To qualify for CEAP, a household's gross income must be at or below 150% of the Federal Poverty Income Guidelines. The income limits are based on the number of people in the household.
Based on current guidelines, the 150% FPL limits are approximately:
Required Application Documents
Applicants should expect to provide extensive documentation. While specific requirements may vary slightly by agency, a standard application typically requires the following:
This process can take time. Some programs warn that it may take up to 90 days to process an application or up to eight weeks to receive financial assistance.
The 2-1-1 Texas hotline is a powerful, free, and confidential resource available 24/7. It functions as the central clearinghouse for all types of community assistance.
For Callahan County, the 2-1-1 service is a key partner of the United Way of Abilene.
Why You Should Call 2-1-1
Calling 2-1-1 is a critical step in several scenarios:
Residents can reach this service by dialing 2-1-1 or by calling the United Way of Abilene's local number at (325) 673-8211.
Government and utility-funded programs often have long processing times. They are not designed to resolve an immediate crisis, such as a disconnection notice for the next day.
In these emergency situations, local faith-based organizations and charities are often the best resource.
Local Ministerial Alliances and Churches
Many communities, including those in and around Callahan County, have local churches or ministerial alliances that maintain discretionary funds to help residents in a crisis.
Residents in Baird, Clyde, and other Callahan County communities are encouraged to contact local churches directly to inquire about the availability of emergency utility vouchers.
United Way of Abilene
In addition to funding 2-1-1, the United Way of Abilene works with 22 agencies and 26 programs to enhance financial stability and health in the community.
Calling 2-1-1 or the local United Way office is the most effective way to find these hyper-local, charitable safety-net programs that may not have a wide public presence.
Other organizations like Catholic Charities or the Salvation Army also frequently offer this type of emergency financial aid.
The Cornerstone Community Action Agency (CCAA) is the designated provider for the Comprehensive Energy Assistance Program (CEAP) in Callahan County. While Rolling Plains Management handles weatherization services in the area, you must contact Cornerstone specifically for direct financial help with utility bills.
Yes, Cornerstone Community Action Agency maintains a local outreach office in Clyde. The address is 217 Oak Street, Clyde, TX 79510. However, office hours may be limited or by appointment only, so it is highly recommended that you call their main line at (325) 625-4167 before visiting to confirm availability.
To qualify, your household income must be at or below 150% of the Federal Poverty Guidelines. For 2025, this is approximately $22,590 for a single person and $46,800 for a family of four. These figures can change slightly annually, so verify your specific bracket with a CCAA caseworker during your intake.
You must provide a valid government-issued ID (driver's license or state ID), Social Security cards for every household member, proof of income for the last 30 days (pay stubs, award letters), and your current electric bill. If you are facing disconnection, include the disconnect notice.
Yes, the CEAP program has a "Crisis Assistance" component specifically for households in danger of disconnection or running out of fuel (propane/gas). When you call (325) 625-4167, explicitly state that you have a disconnect notice so your application can be prioritized over standard non-emergency requests.
Under standard CEAP guidelines, eligible households typically receive assistance once per program year (January to December). However, "vulnerable" households—those with elderly members (60+), individuals with disabilities, or children under five—may qualify for higher benefit caps or additional crisis support if funding permits.
CEAP funds can be used for both. The program prioritizes immediate energy needs, meaning it can pay off arrears (past-due balances) to prevent disconnection and may also provide benefit payments toward future bills to help stabilize your household finances for several months.
Yes. If you are a customer of major providers like Reliant Energy (CARE Program) or TXU Energy (Energy Aid), they have their own assistance funds. These are separate from government aid. You can apply for these by calling 2-1-1 Texas and asking for agencies that administer these specific provider funds in your area.
CEAP provides direct cash payments to your utility provider to lower your bill. Weatherization, handled in Callahan County by Rolling Plains Management, provides free home upgrades (like insulation or window repairs) to lower your energy usage permanently. You can often apply for both programs to maximize your savings.
Approval times vary by demand but typically range from 2 to 4 weeks. Crisis applications with a disconnection notice are processed faster, often within 48 hours. To avoid delays, ensure your application is 100% complete with all required signatures and documents attached when you first submit it.
Locating a Cameron County Texas electric bill assistance program is a critical step for residents facing financial hardship. Support is available through various state and local initiatives, including the Comprehensive Energy Assistance Program (CEAP) and specific funds from local utility providers. This information clarifies where to apply for help, what documents you need, and how to get immediate assistance for your electricity costs in Brownsville, Harlingen, San Benito, and across the county.
What is CEAP?
The main support structure for Texas residents is the Comprehensive Energy Assistance Program (CEAP). This program is designed with two primary goals: first, to assist low-income households in meeting their immediate energy needs by providing financial assistance, and second, to encourage consumers to control energy costs over the long term through energy education.
Understanding the CEAP and LIHEAP Connection
It is helpful to understand how state and federal programs work together. CEAP is the official program in Texas that integrates and distributes all funds from the federal Low Income Home Energy Assistance Program (LIHEAP).
This integration is intentional. The state combines these funds into a single program, CEAP, thereby enhancing the efficiency and effectiveness of the services provided to clients. This structure also serves to eliminate the duplication of services, which could otherwise occur if multiple, separate LIHEAP-funded programs were operating at the same time. For you, this means that applying for CEAP is the correct way to apply for LIHEAP-based assistance in Texas.
The program is administered at the state level by the Texas Department of Housing and Community Affairs (TDHCA). However, TDHCA does not provide funds or accept applications from individuals directly. Instead, it operates through a network of local "subrecipient" organizations that manage the program in all 254 Texas counties.
Who is Eligible for CEAP?
General eligibility for CEAP is determined by household income. To qualify, a household's income must be at or below 150% of the Federal Poverty Income Guidelines.
While all households meeting the income guidelines can apply, the program gives priority assistance to the most vulnerable populations. This ensures that support is directed first to households with elderly individuals, disabled individuals, and families with young children aged five or under.
The program's policy is based on providing both immediate and long-term support. It offers immediate relief to help families avoid a utility crisis. At the same time, it equips participants with the knowledge to manage their energy expenses more efficiently in the future, with a goal of helping them regain self-sufficiency.
For residents of Cameron County, the process of applying for CEAP is centralized through one primary organization.
Your Local Administrator: Community Action Corporation of South Texas (CACOST)
Who Administers CEAP in Cameron County?
The designated subrecipient organization that administers the Comprehensive Energy Assistance Program (CEAP) for all of Cameron County is the Community Action Corporation of South Texas (CACOST).
CACOST serves as the central hub for most utility assistance in the area. It not only manages the statewide CEAP but also administers the local SHARE Program for Brownsville BPUB customers and is the official referral agency for Magic Valley Electric Cooperative members. This means that for most residents of Cameron County, the path to assistance begins with this organization.
How to Contact CACOST
To begin the application process, your first step should be to contact the main call center.
CACOST maintains offices in Cameron County where you can get information and submit applications.
CEAP Income Limits for Cameron County Households
Eligibility for CEAP is calculated at 150% of the Federal Poverty Income Limits. Based on the program year guidelines, the maximum gross income levels for households are as follows:
Documents Required to Apply at CACOST
To apply for CEAP, you must have a complete application. It is very important to note that incomplete applications will not be reviewed or processed. Gathering all your documents ahead of time is essential.
You will be required to provide the following items:
In addition to the statewide CEAP, many local utility providers in Cameron County offer their own specific assistance programs. Your options will depend on which company provides your electricity.
Brownsville Public Utilities Board (BPUB) Customers
Your Assistance Options
If you are a BPUB customer, you have two distinct paths for assistance: the SHARE Program and standard Payment Arrangements.
The BPUB SHARE Program
The SHARE Program provides direct bill payment assistance to residential customers of BPUB who meet the qualifications.
A critical difference exists between the SHARE Program and the statewide CEAP program. While CEAP requires proof of citizenship for all household members , Proof of Citizenship is NOT a requirement to apply for the SHARE Program. This makes the SHARE program an essential resource for mixed-status or non-citizen households in Brownsville who would otherwise be ineligible for CEAP.
The program does have specific limitations:
How to Apply for the SHARE Program
The SHARE Program is not administered by BPUB directly, but by qualified third-party agencies. To apply, you must schedule an appointment by calling one of the two partner agencies:
When you apply, you will need the following documents, which are different from the CEAP requirements:
BPUB Payment Arrangements
Separate from financial aid, BPUB also offers simple payment arrangements for customers who need to pay off a past-due bill. This is typically in the form of an extension of your due date.
You can apply for a payment arrangement without speaking to an agent by using BPUB's automated phone system or through the MyAccount portal online. For questions about this option, you can contact BPUB Customer Service at 956-983-6121.
Magic Valley Electric Cooperative (MVEC) Members
Your Assistance Options
Magic Valley Electric Cooperative (MVEC) provides reliable electricity to many parts of the Rio Grande Valley. MVEC offers two main ways for members to get help: internal payment plans and external assistance referrals.
MVEC Payment Arrangements
If you know that you cannot pay your electric bill by the due date, MVEC encourages you to contact one of their customer service representatives. They will discuss a payment arrangement with you, though certain conditions may apply.
Financial Assistance Referrals for MVEC Customers
For emergency financial help (such as a grant), MVEC directs its members to contact The State Department of Housing and Community Affairs (which runs CEAP) or specific local assistance providers.
The local providers MVEC lists for Cameron County residents are:
AEP Texas Customers
AEP Texas functions as a Transmission and Distribution Utility (TDU) in the area. This means they maintain the poles and wires that deliver your power, but you receive your bill from a separate Retail Electric Provider (REP).
While AEP does not provide direct bill payment assistance, it does offer valuable programs designed to help low-income residents save energy and reduce their costs. These programs include:
You can learn more about these energy-saving programs at the AEP Texas website.
Support from Retail Electric Providers (REPs)
Provider-Specific Funds
If you live in a deregulated part of Cameron County, you may have a plan with a provider like Reliant, TXU, Gexa, or Direct Energy. Many of these REPs have their own customer assistance funds.
Beyond state-run and utility-specific programs, a crucial safety net of non-profit and community organizations provides emergency assistance in Cameron County. These agencies are an excellent resource if you do not qualify for CEAP or if you need help beyond what other programs offer.
Catholic Charities of the Rio Grande Valley (CCRGV)
Dual Role in Assistance
Catholic Charities of the Rio Grande Valley (CCRGV) plays two important roles in local utility assistance. First, as mentioned earlier, it is one of the two agencies that administers the BPUB SHARE Program.
The Emergency Assistance Program
Second, CCRGV operates its own Emergency Assistance Program that is separate from the SHARE fund. This program offers "Short-Term Utility Assistance" for electricity, water, and gas to individuals and families in financial crisis, regardless of who their utility provider is.
Contact Information
You can contact the CCRGV office in Cameron County for information on applying for their general emergency assistance:
It is important to note that some of their other programs, such as Homelessness Prevention, have very specific eligibility criteria, including requirements to be a legal resident and have an income 30% below the Area Median Income.
The Salvation Army (Serving Brownsville and Harlingen)
Local Emergency Assistance
The Salvation Army has a long-standing presence in Cameron County, offering emergency assistance programs to help families pay their bills and keep their power on.
How to Apply for Salvation Army Assistance
There are two primary ways to apply for help from The Salvation Army:
Loaves & Fishes (Upper Cameron County)
The Family Emergency Assistance Program
Loaves & Fishes of the Rio Grande Valley offers a "Family Emergency Assistance" program, which functions as a homeless prevention program by helping families overcome short-term financial lapses. This program provides assistance with rent or utilities for up to three months for eligible applicants.
Eligibility and Service Area
A key eligibility factor for this program is geography. It is specifically for low to moderate-income renters in "Upper Cameron or Willacy County". This means the program serves residents of Harlingen, San Benito, and other communities in the northern part of the county, rather than Brownsville.
How to Apply
To apply, you must complete a brief interview and provide documentation. For more information, you should call 956-423-1014.
South Texas Adult Resource Center (START)
San Benito Assistance
The South Texas Adult Resource Center (START) is a community nonprofit agency based in San Benito that focuses on social services for local families. START is a key partner agency for utility assistance in the San Benito area and is an official referral organization for members of the Magic Valley Electric Cooperative.
Beyond the county-wide agencies, some residents may qualify for specialized funds available only to certain groups, such as veterans or residents of a specific city. These programs often have dedicated funding and may be a more direct path to assistance if you qualify.
Cameron County Veterans Service Office Emergency Assistance
Who They Help
The Cameron County Veterans Service Office provides emergency financial assistance to veterans, their dependents, and their survivors.
Programs and Eligibility
This assistance is available for utilities and rent. The "Operation Lighthouse" program is a specific fund that can provide utility assistance of up to $300 for a veteran or their surviving spouse.
To be eligible, you must:
How to Apply for Veterans Assistance
To apply, you should make an appointment by contacting one of the two Cameron County Veterans Service Offices:
City of San Benito Hardship Assistance Program
Who is Eligible
Residents who live within the city limits of San Benito may be eligible for a dedicated municipal assistance program.
Program Funding
The CDBG-CV Hardship Assistance Program was funded to provide financial aid to San Benito residents who experienced financial hardship due to the COVID-19 pandemic, and this assistance may still be available.
Program Details
This program provides:
Payments are made directly to the utility provider, landlord, or mortgage company on behalf of the eligible resident.
How to Apply
Funding for this program is limited, and applications are processed on a first-come, first-served basis. It is important to call as soon as possible to find out if you qualify and if funds are still available.
To apply, interested San Benito residents must call 956-541-4955 during normal business hours (Monday-Friday, 8 a.m. to 5 p.m.).
Stay Calm and Act Quickly
Receiving a disconnection notice is stressful, but you have rights and specific actions you can take immediately. The situation must be handled with urgency.
Do Not Ignore It: Your Immediate First Step
The worst thing you can do if you receive a disconnection notice is ignore it. Your immediate first step is to call your electricity provider.
Most retail energy providers will work with you to set up a payment arrangement, especially if you are not habitually late. When you call, you must be direct and ask for help with your electricity bill.
Know Your Rights: The Disconnection Process
The Public Utility Commission of Texas (PUCT) has rules that protect consumers. Your provider cannot disconnect your power without notice or outside of these rules.
Ask for a Deferred Payment Plan
When you call your provider, you should specifically request a "deferred payment plan". This is a formal agreement that allows you to pay your outstanding balance in installments rather than all at once.
When you call and indicate an inability to pay, your REP is required to inform you of all available payment options and assistance programs they offer.
Special Protections That Can Legally Stop Disconnection
There are specific situations under PUCT rules where your provider may not disconnect your service for non-payment. You must inform your provider if you fall into one of these categories.
This makes it critical to apply for assistance at an agency like CACOST immediately, and then ensure that agency notifies your electricity provider that your application is in process and payment is forthcoming.
Filing a Complaint
If you believe your electricity provider is not following these rules—for example, if they refuse a valid medical exemption or refuse to discuss a payment plan—you should first attempt to resolve the issue with the provider. If that fails, you have the right to file a complaint with the Public Utility Commission of Texas (PUCT).
Two final resources can help you find assistance, and one important clarification can save you time.
Using 2-1-1 Texas
Dialing 2-1-1 from your phone or visiting 211texas.org connects you to a free, confidential information and referral service. They can provide information about services and agencies in your area, including utility assistance. This is the primary referral tool used by REP-funded programs like Reliant CARE and TXU Energy Aid.
TDHCA "Help for Texans" Portal
The Texas Department of Housing and Community Affairs (TDHCA) maintains the official state portal to find local providers.
On the "Help for Texans" website, you can select "Utility Bill Payment Help," enter "Cameron County," and the tool will provide you with the contact information for local subrecipients like CACOST.
Remember, TDHCA assistance funds go to these local organizations; the state does not accept applications from individuals directly.
Important Note: The LITE-UP Texas Program is Discontinued
An Outdated Program
You may find outdated information referencing the "LITE-UP Texas" program. Please be aware that the LITE-UP Texas program is defunct and no longer exists.
This program, which once provided electricity discounts, ran out of funding and its website no longer exists. Searching for this program will lead to a dead end. The current, active program for statewide utility assistance is the Comprehensive Energy Assistance Program (CEAP).
Your First Steps
Help is available, but taking the first step is essential. Your path to assistance depends on your location and situation.
Additional Resources
For more information and to find the provider nearest you, you can visit the state's official referral page at https://www.tdhca.texas.gov/help-for-texans or the website of the local administrator, CACOST, at https://cacost.org/.
The main program is the Comprehensive Energy Assistance Program (CEAP). In Cameron County, this federally funded initiative is administered by the Community Action Corporation of South Texas (CACOST). It assists low-income households with paying their electric, natural gas, and propane bills, prioritizing elderly, disabled, and families with young children.
You can apply through CACOST by visiting their local offices or contacting them directly.
Brownsville Office: 519 E. Madison St., Brownsville, TX 78520. Phone: (956) 435-0379.
Harlingen Office: 1822 W. Jefferson Ave., Harlingen, TX 78550. Phone: (956) 423-1100.
Email: applications@cacost.org.
Tip: Call first to check if an appointment is required due to high demand.
To qualify for the Cameron County Texas electric bill assistance program, your household income typically must not exceed 150% of the Federal Poverty Guidelines. For 2025, this roughly equates to a monthly income limit of approximately $1,883 for a single person or $3,873 for a family of four. Note: These figures are estimates; always verify with CACOST.
You must submit a completed application along with:
Proof of citizenship or legal residency (e.g., birth certificate, U.S. passport, or permanent resident card) for all household members.
Proof of income for the last 30 consecutive days for all adults (pay stubs, Social Security award letters, etc.).
Current electric bill (front and back) showing your name and service address.
Photo ID for the primary applicant.
Yes. If you are facing immediate disconnection, state this clearly when contacting CACOST. Additionally, local non-profits like Loaves & Fishes RGV in Harlingen (Phone: 956-423-1014) and Catholic Charities of the Rio Grande Valley (Phone: 956-541-0220) often provide emergency utility assistance or "prevention" funds to stop service interruptions.
No, the Lite-Up Texas program was discontinued in 2016 after its funding was depleted. It has been effectively replaced by the Comprehensive Energy Assistance Program (CEAP). Residents who previously relied on Lite-Up Texas should now apply for CEAP through Community Action Corporation of South Texas.
Yes. BPUB customers can access the SHARE program, which provides bill payment assistance to qualifying residential customers. This program is also administered through local agencies like CACOST. You must meet specific income guidelines and typically cannot be receiving other utility assistance for the same month.
Processing times vary based on funding availability and application volume. It typically takes 4 to 8 weeks for a standard application to be processed. However, "Crisis" applications (for those with disconnect notices) are prioritized. You should continue paying what you can on your bill while waiting to avoid falling further behind.
Absolutely. The Cameron County Texas electric bill assistance program covers the entire county, including San Benito, La Feria, Los Fresnos, and Port Isabel. Residents in these areas should contact the nearest CACOST office (usually Harlingen or Brownsville) or check if their city hall has temporary local hardship grants.
If denied, ask the case manager for the specific reason (e.g., missing documents or income slightly over limit). You have the right to appeal the decision. If you are ineligible for government aid, contact 2-1-1 Texas (dial 2-1-1) to find faith-based organizations or local charities like The Salvation Army that may have more flexible criteria for emergency energy aid.
Securing assistance with car payments begins with one immediate, critical action: contacting your auto lender. While many hope for a government program or charity to cover a car note, the most effective and accessible help comes directly from the financial institution that holds your loan. Falling behind on payments is incredibly stressful, but proactive communication can unlock hardship options like payment deferment or loan modification. This resource provides a clear path forward, starting with that first phone call and expanding to local community aid, refinancing options, and vital warnings against fraudulent "auto loan relief" schemes.
This is the single most important action to take, ideally before a payment is missed. Many borrowers fear that this call will trigger a repossession; in reality, proactive communication is what prevents it. Lenders are financial institutions, and a car loan is a performing asset. They would rather receive a slightly modified or delayed payment than undertake the costly and time-consuming process of repossessing and selling a vehicle at a wholesale auction.
High-authority sources confirm this is the primary solution. The Consumer Financial Protection Bureau (CFPB) advises that if you are "struggling to make your monthly car payments," your auto lender "may have assistance options". Lenders themselves build systems for this. Wells Fargo, for example, has a dedicated "Help with auto loan payments" department and publicly encourages customers to "Give us a call...to discuss options". Even federal guidance for natural disasters reinforces this, identifying the first step as contacting your auto loan servicer.
How to Prepare for the Call with Your Lender
Treat this as a professional negotiation, not a personal plea. Being prepared will give you confidence and lead to a better outcome. Before you call, gather the following:
During the call, remain calm and take detailed notes, including the name of the representative you speak with. Most importantly, if you reach an agreement to change your original contract, get it in writing. Do not accept a verbal-only promise.
Hardship Options to Discuss: Deferment, Forbearance, and Modification
Using the correct terminology shows you are informed and serious. These are the structured financial products lenders may offer:
It is extremely rare for a charity or community organization to write a check for a car payment. These organizations are primarily structured to provide emergency assistance for life-sustaining needs: food, shelter (rent and mortgage), and utilities, to prevent homelessness or a utility shut-off. However, this does not mean they cannot help.
The most effective method is an "in-direct" strategy. Money is fungible; if a local organization can pay $150 toward your past-due electric bill, that frees up $150 of your own money to make your car payment. When seeking this type of aid, you should apply for help with rent, utilities, or food.
Start With 211: Your Community's Information Hub
The 211 network is a free, confidential service that connects millions of people to local help. It is the single best starting point for any financial distress query. You can call 2-1-1 from any phone or visit https.www.211.org to find your local branch.
Highly trained specialists can connect you to local agencies that may offer:
Explain your entire financial situation to the 211 specialist. They will have the most up-to-date database of local resources available to you.
Community Action Agencies (CAAs)
Community Action Agencies (CAAs) are local private, nonprofit organizations funded to help low-income families and individuals achieve economic stability and self-sufficiency. A CAA is more likely to help with a transportation-related cost if you can directly link it to your employment. A car is often the primary tool for "workforce or training participation". For low-income households, reliable transportation is a key component of economic independence.
When you contact your local CAA, frame your request this way: "My car is my only way to get to my job, and I am at risk of losing it. What employment stability or emergency service programs do you have that can help?" Their services are broad and may include emergency financial assistance , financial management counseling , or community transportation services.
National Charities with Local Branches
Large, well-known charities operate at the community level, with assistance decisions made by local chapters.
Specialized Grants and Niche Support
Some financial assistance is targeted at very specific groups of people. If you are experiencing a medical crisis, for example, organizations dedicated to that illness may offer non-medical grants. Resources for breast cancer patients or blood cancer patients sometimes provide financial assistance that can cover car payments, rent, or utilities. Veterans, service members, and their families may also have access to dedicated emergency funds.
Many people in financial distress search for a government program to help with car payments. It is important to have clear and accurate expectations about what is—and is not—available.
Federal Assistance: What Is (and Is Not) Available
To be direct: there are no general federal government programs that help individuals pay their auto loans. Federal benefit portals like USA.gov list assistance for food (SNAP), housing, health insurance, and utilities, but not for private vehicle loans. Treasury programs like the Emergency Rental Assistance program are for rent and utilities only.
The only exception is in the event of a federally declared disaster. If your ability to make payments is affected by a natural disaster, federal agencies do advise you to contact your auto loan servicer immediately to discuss options.
State Emergency Relief (SER) Programs
Your state government is the more likely source of aid. Many states run a State Emergency Relief (SER) program. These are designed to provide "immediate help...for emergencies that threaten health and safety".
Using Michigan's SER program as a case study , these programs are designed to help with:
Crucially, SER programs have an asset test. In Michigan, the non-cash asset limit excludes the value of your home and one car. This fact reveals the program's logic: the state assumes you need a car and does not count it against you. The program is not designed to pay for the car; it is designed to pay for your other emergencies (like rent or utilities) so that you can maintain overall stability. This again reinforces the "in-direct" strategy: apply for SER to cover a utility bill to free up your own cash for the auto loan.
Exploring Auto Loan Refinancing as an Option
Refinancing your auto loan can be a powerful financial move, but it is a long-term strategy, not an emergency fix. It involves getting a new loan to pay off your old loan. If you are currently in default or have just missed a payment, your credit score has likely dropped, and you will not be a good candidate for refinancing.
Refinancing is a proactive tool for those who are current on their loan but feel they are overpaying. The goal of refinancing is to get a new loan with better terms. This is a good idea if your financial situation has improved since you first took out the loan.
When Refinancing May Be the Right Move
The Risks of Refinancing Your Auto Loan
Transparency is critical when considering a new loan. Refinancing carries significant risks if not done carefully.
Sometimes the crisis is not the car payment itself, but a related cost that breaks your budget. A car that doesn't run is just as damaging to your employment as a repossessed one.
Help with Car Repair Bills
An unexpected car repair can cost hundreds or even thousands of dollars. If you are a low-income household, this can be an impossible expense. Look for:
Finding Gas Money Vouchers
This is a very short-term solution for an acute need. Gas vouchers are sometimes offered by local charities referred by 211 or by workforce participation programs to help you get to a new job or essential training.
When you are in financial distress, you are a prime target for scams. The Federal Trade Commission (FTC) provides clear warnings about two types of threats: predatory lenders who trap you in a bad loan, and loan modification scams that prey on you when you're in trouble.
Red Flags of a Financial Scam
Auto loan modification scams "falsely promise" they can lower your payments to help you avoid repossession. These operations take your money and provide nothing in return.
Watch for these clear red flags:
Only your actual lender can modify your loan. Any third party charging a fee for this service is almost certainly a scam. If you encounter a company like this, report it immediately to the Federal Trade Commission at ReportFraud.ftc.gov.
Predatory Lending Practices to Recognize
You may be in distress because you were a victim of predatory lending when you first bought the car. These practices are designed to trap you in an unaffordable loan.
If you believe you are a victim of predatory lending, you should file a complaint with the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov/complaint/.
Sometimes, no amount of assistance can make a car affordable. In this situation, you must face a difficult decision. You have options, but some are far more damaging than others.
Selling Your Car (Even with Negative Equity)
If your car is worth less than the amount you owe on your loan, you have "negative equity," also known as being "upside down" or "underwater".
Voluntary Repossession (Voluntary Surrender)
This is a last-resort option and is widely misunderstood. Agreeing to a "voluntary repossession" means you contact your lender and arrange a time and place to return the vehicle.
This is not a "no-penalty" option.
You Will Still Owe Money. This is the most critical point. A voluntary surrender does not erase your debt. The process is:
Voluntary repossession is not a solution to the debt; it is merely a way to manage the logistics of the default.
You must contact your lender before you miss a payment. Proactively discussing your financial hardship opens up more options for assistance and shows good faith. Waiting until you are delinquent can limit your choices and may initiate collection actions.
If your lender formally approves a deferment, it should not negatively impact your credit score. During the approved period, payments are typically reported as "paid as agreed." However, interest usually still accrues, so the total loan cost may increase.
Deferment is most common for auto loans. It moves one or more skipped payments to the end of your loan, extending the term. Forbearance is a temporary pause or reduction in payments, after which you may owe the skipped amount in a lump sum or over a short repayment period.
To apply for auto loan assistance, be prepared to provide proof of hardship. This typically includes recent pay stubs, bank statements, a letter from your employer, unemployment benefit statements, or a formal hardship letter explaining your situation.
There are no direct federal programs specifically for car payments. However, general emergency assistance programs, such as the Temporary Assistance for Needy Families (TANF) or local non-profits funded by the 211 network, may sometimes provide one-time grants for essential transportation.
Yes, but you must act immediately. Many lenders still offer hardship programs after one missed payment, but your options will narrow quickly. Contact your lender to see what is available before the vehicle is scheduled for repossession.
A loan modification is a permanent change to your original loan terms. This is less common than deferment but may include reducing your interest rate or extending the loan term to create a new, more affordable monthly payment.
Non-profit assistance with car payments is almost always a one-time emergency grant. These organizations do not provide ongoing or long-term payment support. Help is typically reserved for individuals who can prove the vehicle is essential for work or medical needs.
Yes, being "underwater" (owing more than the car is worth) does not typically disqualify you from hardship options like deferment or modification. However, it will make it nearly impossible to refinance the loan with a new lender for a lower payment.
Refinancing is a financial strategy, not a hardship program. If you have good credit, refinancing to a lower interest rate or a longer term can reduce your monthly payment. It is not an option for those already in delinquency or experiencing severe financial distress.
Finding a Camp County Texas electric bill assistance program can feel overwhelming, especially when facing financial stress. Residents have several strong options for help. These resources include government-funded programs, local charities, and direct support from electric providers. This breakdown provides a clear path to every available source of assistance.
For residents of Camp County, the most important organization to know is Community Services of Northeast Texas, Inc. (CSNT). This is the designated local agency that administers the state's main utility assistance programs.
Key Contact for Camp County
The main outreach office for Camp County is located in Mt. Pleasant. All persons requesting assistance must first complete an application.
Understanding CEAP (The Main Program)
CSNT administers the Comprehensive Energy Assistance Program (CEAP). This is the state-level program, funded by the federal Low Income Home Energy Assistance Program (LIHEAP), designed to help low-income households meet their immediate energy needs. Priority is given to households with elderly or disabled members and families with young children.
The application process is managed directly by CSNT and requires specific documentation from every person living in the household. Applications can be mailed to the Linden P.O. box.
Application Checklist (What You Need)
To apply, you will typically need to provide the following items:
Income Eligibility Guidelines
To qualify for CEAP, your household's total gross income must be at or below 150% of the Federal Poverty Income Guidelines. The income limits for the 2025 program year are:
Before seeking charitable aid, always contact your electric provider first. They have programs and payment options to help customers avoid disconnection. The main providers in Camp County are Upshur Rural, SWEPCO, and Wood County Electric.
For Upshur Rural Electric Cooperative (URECC) Customers
URECC provides a list of local providers for members who need help. The primary agency they list for Camp County residents is Community Services of Northeast Texas (CSNT) at 903-717-7400.
URECC also offers a direct benefit for seniors. Members age 65 or older are not required to pay a deposit for their account, provided they have no outstanding balance. Call Member Services at 903-843-2536 to learn more.
For Southwestern Electric Power (SWEPCO) Customers
SWEPCO, an AEP company, offers several options. Customers can request payment extensions or payment arrangements to spread out a high balance.
SWEPCO also partners with Dollar Energy Fund to offer the Neighbor to Neighbor Program. This program provides grants paid directly to a customer's account. To apply, you must first call SWEPCO at 1-888-216-3523. They will provide information on local agencies that handle the application intake.
For Wood County Electric Cooperative (WCEC) Customers
WCEC encourages members who are struggling to call them. They can often set up payment arrangements or help members enroll in a pre-paid service. Like other providers, WCEC's primary referral for assistance in Camp County is Community Services of NE Texas Inc..
It is important to note that WCEC's "Operation Round Up" program is a charitable foundation. It awards grants to organizations and community projects, not for individual members' electric bills.
If you need more help, several other local and statewide organizations provide support.
2-1-1 Texas
This is the state's official and most comprehensive information and referral service. By dialing 2-1-1 or visiting 211texas.org, you can connect with a specialist who can provide information on many services and agencies in your area, including utility help.
The Salvation Army
The Salvation Army offers emergency assistance programs to help families struggling with rent or utility bills. For Camp County residents, these funds are administered by Community Services of Northeast Texas (CSNT). Applying at CSNT also screens you for these funds.
PATH (People Attempting To Help)
PATH is a non-profit that serves all of East Texas. They may provide utility assistance to individuals who have a past-due bill that is subject to disconnection. This service is available by appointment only and as funding allows. Call 903-617-7284 or 903-597-7284 to schedule an appointment.
Local Ministerial Alliances
Some local, faith-based groups offer limited, one-time financial assistance. These funds are often small and can be depleted quickly.
Specialized Aid: SAFE-T
SAFE-T (Shelter Agencies for Families in East Texas) is listed as a resource in the area. It is critical to know that SAFE-T is a domestic violence and sexual assault crisis center. While they do offer housing assistance, it is a specialized service for victims and survivors of abuse, not a general public utility fund. Their 24/7 crisis hotline is 903-575-9999.
For a long-term fix to high bills, residents should apply for the Weatherization Assistance Program (WAP).
What is WAP?
WAP is a free program that helps make homes more energy-efficient to lower utility bills. Services are administered by CSNT and can include:
WAP Income Limits
A household that applies for CEAP may also be eligible for WAP. Crucially, WAP has higher income limits. A household may qualify for WAP even if its income is too high for CEAP.
WAP eligibility is set at or below 200% of the Federal Poverty Income Guidelines. The income limits for the 2025 program year are:
Many online resources still mention the "Texas Utility Help" website. The Texas Department of Housing and Community Affairs (TDHCA) confirms this temporary emergency program is CLOSED and no longer accepting applications.
The state's permanent resource for finding assistance is the "Help for Texans" website. This portal will guide you to the designated local provider for your county. For Camp County, this will direct you to Community Services of Northeast Texas (CSNT).
If you have a disconnection notice, you must act fast.
If You Receive a Disconnection Notice
For Renters: When Your Landlord Doesn't Pay
You have specific rights as a tenant in Texas.
Here are the most important numbers for seeking help in Camp County.
The primary resource is the Texas Comprehensive Energy Assistance Program (CEAP), also known as LIHEAP. This federal program provides the Camp County, Texas electric bill assistance program and is managed by local community action agencies to help low-income households manage their energy costs.
Eligibility is primarily based on your household's total monthly income and size. Priority for the Camp County, Texas electric bill assistance program is often given to households with elderly individuals (age 60+), persons with disabilities, or families with children five years of age or younger.
To apply, you must contact the designated local agency serving Camp County, which is typically Community Services of Northeast Texas, Inc. (CSNT). You will need to complete an application and provide all required documents to determine your eligibility for assistance.
You will generally need a valid photo ID, Social Security cards for all household members, proof of all household income for the last 30 days, and your most recent electric bill. If you are facing disconnection, you must provide the disconnection notice.
Yes, crisis assistance is a key part of the Camp County, Texas electric bill assistance program. If you have received a disconnection notice, contact Community Services of Northeast Texas immediately. You may qualify for expedited processing to prevent a utility shut-off.
The benefit amount varies based on your household income, energy costs, and the federal funding available. This program is not intended to cover your entire bill indefinitely but provides a one-time or short-term benefit to help you manage crisis situations.
Yes. If your application for the Camp County, Texas electric bill assistance program is approved, the benefit payment is made directly to your utility company, such as SWEPCO or your Retail Electric Provider. The credit is then applied directly to your account.
Yes, the income requirements are tied to the Federal Poverty Guidelines. To qualify for energy assistance in Camp County, your household's gross income must typically be at or below 150% of this federal poverty level. These limits are updated annually.
In most cases, non-crisis assistance (CEAP) is available once per program year. Crisis assistance may be available more frequently, depending on your situation and fund availability. You must re-apply and prove eligibility each time you request assistance.
Assistance for deposits to establish new service may be available, but it is less common than standard bill payment aid. This help is typically reserved for low-income households moving into a new residence. You must inquire about deposit assistance directly with the local agency.
Residents of Carson County, Texas, who are struggling to pay high electric bills or are facing a disconnection notice have options. A dedicated Carson County Texas electric bill assistance program exists to provide financial help. For low-income households in Panhandle, White Deer, Groom, and other parts of the county, utility bill payment help is primarily administered through a single, designated local agency. This organization manages state and federal funds to help families maintain their electrical service.
The main organization for low-income utility assistance in the Texas Panhandle is Panhandle Community Services (PCS). While their main office is in Amarillo, PCS is the official agency responsible for serving all 26 counties in the region, which includes Carson County. Residents of Panhandle, White Deer, and Groom must apply through this organization.
PCS administers public and private funds to pay utility bills for low-income families. Their Utility Assistance Program is specifically designed to prevent utility disconnects and stabilize household costs.
https://www.pcsvcs.org/services/utility/The main program administered by Panhandle Community Services is the Comprehensive Energy Assistance Program (CEAP).
Residents may also see references to the federal Low Income Home Energy Assistance Program (LIHEAP). In Texas, CEAP is the state program that integrates and distributes all LIHEAP funds. Therefore, when applying at PCS, residents are applying for CEAP.
The goal of CEAP is to assist low-income households in meeting their immediate energy needs. The program also helps consumers control long-term energy costs through energy education and budget counseling.
Do You Qualify for CEAP Assistance?
This section outlines the primary eligibility requirements for the CEAP program at Panhandle Community Services.
A key qualification for the CEAP program is that services cannot be already disconnected. The program is designed to prevent disconnects. It is extremely important to apply as soon as you receive a high bill or a disconnection notice, rather than waiting until the service is shut off.
How to Apply for Assistance at Panhandle Community Services
Follow these steps to apply for the CEAP program through PCS.
Required Documents for Your PCS Application
Failure to provide the correct documents is the most common reason for delays. Gather all of the following documents before applying.
Proof of Citizenship (for all household members):
Proof of Identity (for all household members):
Proof of Income (for all members 18 and older): You must provide documentation for all household income for the last 30 days.
It is important to note that bank statements will not be accepted as proof of income.
The Utility Bill (Crucial):
Screenshots from an online portal or an account summary are unacceptable. You must provide the complete, actual bill.
The 90-day processing time for the CEAP program is not fast enough to stop an imminent disconnection. If you have a disconnect notice, pursue two tracks at the same time: Track 1: Apply for the long-term CEAP program at Panhandle Community Services. Track 2: Use these immediate, short-term options to keep your lights on.
Option 1: Contact Your Utility Provider Directly
Your first call should be to the company that sends your electric bill, your Retail Electric Provider (REP). They offer options to prevent immediate shut-off.
For Xcel Energy Customers: Xcel Energy is a major provider in the Texas Panhandle and offers direct help:
https://tx.my.xcelenergy.com/s/billing-payment/energy-assistanceFor Oncor Customers (Panhandle, White Deer, Groom): Oncor is the Transmission and Distribution Service Provider (TDSP) for many parts of Carson County, including Panhandle, White Deer, and Groom.
Option 2: Call 2-1-1 Texas
This is the most important phone number for finding emergency help. 2-1-1 Texas is a free, confidential information and referral service operated by the Texas Health and Human Services Commission. Utility providers and state agencies recommend it.
https://www.211texas.org/Select Option 1 for local community services. Ask the specialist for "emergency utility bill assistance" in Carson County. They have the most up-to-date list of agencies, charities, and churches with available funds.
In addition to the primary CEAP program, some local charities (primarily in Amarillo) offer small-scale, emergency financial aid. These funds are often limited.
The Salvation Army (Amarillo)
The Salvation Army offers emergency utility assistance.
https://southernusa.salvationarmy.org/amarillo/Central Church of Christ (Amarillo)
This church offers small, gap-filling assistance for utility bills.
Catholic Charities of the Texas Panhandle
Catholic Charities of the Texas Panhandle (CCTXP) provides a wide range of support services.
While CCTXP may not offer a direct, open-enrollment utility payment program , their Inter Faith Hunger Project provides critical indirect support. This food assistance program serves households where individuals sacrifice necessities like "medication, utilities, or rent in order to pay for food". By providing food, this program frees up a household's limited funds, indirectly helping them pay their utility bill.
When searching for help online, it is crucial to know which programs are active.
IMPORTANT UPDATE: Texas Utility Help is CLOSED The statewide portal texasutilityhelp.com is CLOSED. This temporary program stopped accepting applications and is no longer a source of help.
The Correct State Resource: "Help for Texans" The current, official state resource is the "Help for Texans" website, managed by the Texas Department of Housing and Community Affairs (TDHCA). This website is a locator tool, not a direct application.
https://www.tdhca.texas.gov/help-for-texansResidents should go to this site, select "Utility Bill Payment Help," and enter "Carson County" or their city (Panhandle, White Deer, Groom). This search will confirm that Panhandle Community Services is the correct, primary agency for CEAP and LIHEAP assistance.
The primary resource is the Comprehensive Energy Assistance Program (CEAP), also known as LIHEAP. This federal program is locally administered by Panhandle Community Services (PCS) and helps low-income households with their energy costs.
You can apply for assistance through Panhandle Community Services (PCS). While the preferred method is applying online through their website, paper applications are also made available, particularly for elderly or disabled residents who may need them.
Eligibility for the CEAP program is primarily based on household income. To qualify, your household's gross income must be at or below 150% of the Federal Poverty Guidelines. These guidelines are updated annually, so it's best to check with PCS for the current year's limits.
Yes. Panhandle Community Services offers crisis assistance, often through special "Utility Assistance Blitz" events, specifically for households with a current disconnection notice. This is separate from their regular program and is designed to prevent immediate loss of power.
Yes. Panhandle Community Services also runs the Weatherization Assistance Program (WAP). This program is separate from CEAP and provides free home upgrades, like insulation and air sealing, to reduce energy bills. It has different income guidelines (up to 200% of FPL).
CEAP (or LIHEAP) provides a direct financial credit to your electric company to help pay your bill. The Weatherization Assistance Program (WAP) does not pay your bill but instead improves your home's physical efficiency to lower your future energy consumption and costs.
Panhandle Community Services uses a priority system to serve the most vulnerable residents first. Priority for both bill payment and weatherization assistance is typically given to households containing elderly individuals (age 60+), persons with disabilities, and families with young children (age 5 or under).
Assistance through the Carson County Texas electric bill assistance program is generally not a monthly support service. CEAP is typically a one-time-per-year benefit, though crisis assistance may be available under special circumstances. You should re-apply each program year.
If you don't meet the CEAP income guidelines, you can dial 2-1-1 Texas to be connected with other potential resources. Local non-profits, such as the Salvation Army or Catholic Charities of the Texas Panhandle, may also offer limited emergency utility assistance.
No. For the CEAP program, Panhandle Community Services makes the payment directly to your electric utility provider. The assistance will appear as a credit on your utility bill. No cash is ever given directly to the applicant.
Accessing North Carolina government assistance provides a crucial lifeline for residents needing support with food, healthcare, housing, and financial stability. Programs offered through the NC Department of Health and Human Services (NCDHHS) and other state agencies are designed to help low-income individuals, families, children, and seniors. Understanding which services you may be eligible for and how to apply through portals like ePASS or at your local County Department of Social Services (DSS) office is the first step toward security.
Navigating public assistance in North Carolina involves understanding three key components: the main state agency (NCDHHS), the online application portal (ePASS), and the local offices that deliver services (DSS).
The Main Gateway: NC Department of Health and Human Services (NCDHHS)
The North Carolina Department of Health and Human Services (NCDHHS) is the primary state agency that oversees most, but not all, of the state's public benefit programs. NCDHHS manages critical services for low-income residents, including food assistance, medical assistance (Medicaid), and cash assistance.
While NCDHHS sets the rules and policies from the state level, it operates on a system that is state-supervised and county-administered. This means that the actual delivery of services—processing applications, conducting interviews, and determining eligibility—is handled by local offices in all 100 North Carolina counties.
For general questions, the NCDHHS Customer Service Center can be reached at 1-800-662-7030.
Applying Online: The ePASS Benefits Portal
The ePASS portal is North Carolina's secure, self-service website for applying for many of the state's largest assistance programs. It is the fastest and most direct way to submit an application for most NCDHHS-managed benefits.
Programs you can apply for using the ePASS portal include:
To apply for most benefits, you will need to create an NCID, which is a secure user ID and password for state government programs. However, for Food and Nutrition Services, you can submit an application without creating a full account, though this option does not allow you to save your progress or check your application's status online.
Existing beneficiaries are strongly encouraged to create an "enhanced account". This allows you to not only apply but also to view your case details, report changes in your circumstances (like a new address or job), and complete your Medicaid renewal online.
Keeping your contact information current through an enhanced account is critical to receiving important notices and avoiding a potential loss of benefits.
The ePASS portal is located at: https://epass.nc.gov
In-Person Support: Finding Your Local County DSS Office
Your local county Department of Social Services (DSS) office is the physical "front door" for almost all state and federal human services programs. These 100 offices are where applications are processed, whether you submit them online or in person.
You will need to contact your local DSS office to:
You can find the website, phone number, and physical address for your specific office by using the official NCDHHS Local DSS Directory located at: https://www.ncdhhs.gov/divisions/social-services/local-dss-directory.
North Carolina offers two primary programs to help residents afford healthy food: Food and Nutrition Services (FNS) and the WIC program.
Food and Nutrition Services (FNS): North Carolina's SNAP Program
This is the federal Supplemental Nutrition Assistance Program (SNAP), commonly known as food stamps. FNS provides eligible households with an Electronic Benefit Transfer (EBT) card, which works like a debit card to buy food at authorized stores.
Who is Eligible for FNS
To qualify for FNS, you must meet several requirements:
Income and Resource Guidelines
Eligibility is based on your household's income (before and after deductions) and, in some cases, your resources (like cash in a bank account).
Most households must meet a gross income limit (130% of the Federal Poverty Level) or a net income limit (100% of the Federal Poverty Level). Based on the federal guidelines for Fiscal Year 2025 (October 1, 2024, to September 30, 2025):
Some households, such as those with elderly or disabled members, may have a higher gross income limit.
Because the FNS calculation includes deductions for expenses like shelter, utilities, childcare, and medical bills (for those over 60 or disabled), you should apply even if your income is slightly above these limits. A caseworker at the DSS office will perform the official calculation.
A separate, "Simplified Nutritional Assistance Program (SNAP)" may be available for individuals who are age 65 or older, receive Supplemental Security Income (SSI), and live and prepare food independently.
How to Apply for FNS
There are three ways to apply:
You will need to gather documents for your application, including:
After you apply, a caseworker will contact you for an interview, which can be done over the phone, by video, or in person.
WIC: Support for Women, Infants, and Children
The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) provides specific healthy foods, nutrition education, and breastfeeding support.
WIC Eligibility
To be eligible for WIC, you must meet four criteria:
A significant time-saver is "automatic eligibility." If you or a family member is already enrolled in Medicaid, FNS (SNAP), or Work First (TANF), you automatically meet the WIC income requirement and do not need to provide separate income proof.
The WIC Application Process
You cannot apply for WIC through the ePASS portal. The application process requires an in-person appointment.
North Carolina provides health care coverage for low-income residents primarily through NC Medicaid and, for children, NC Health Choice.
NC Medicaid: Eligibility and Coverage
NC Medicaid provides comprehensive, low-cost or no-cost health insurance to eligible individuals, including children, pregnant women, seniors, people with disabilities, and low-income adults.
Understanding the NC Medicaid Expansion
The most significant recent change to NC government assistance is Medicaid Expansion, which began December 1, 2023. This change allows more adults to get coverage.
Income Limits for NC Medicaid
Eligibility is based on your monthly household income (before taxes) and family size. While a caseworker makes the final decision, the general income limits are:
When determining your "family size," you generally must include yourself, your spouse, your children under 21, and anyone else you claim on your federal income tax return.
Four Ways to Apply for Medicaid
You can apply for Medicaid, which is called "Medical Assistance" on the application, using one of four methods:
epass.nc.gov). A "short form" application is available for single adults applying under the new expansion rules.You do not need to have all your documents (like proof of income or residency) to start your application. Submitting the application as soon as possible establishes your start date for coverage if you are approved. A caseworker will contact you if more information is needed.
NC Health Choice (CHIP): Insurance for Children
North Carolina Health Choice (NCHC) is the state's Children's Health Insurance Program (CHIP). It provides free or low-cost health insurance for children (birth through age 18) from working families.
This program is designed to "fill the gap" for families whose income is too high to qualify for regular NC Medicaid but too low to afford private health insurance. The income limit for NC Health Choice is generally 200% of the Federal Poverty Level.
The application process is seamlessly integrated with Medicaid. Parents use the same application for Medical Assistance.
The DSS caseworker will first check the child's eligibility for Medicaid. If the family's income is too high for Medicaid, the same application is automatically reviewed for NC Health Choice eligibility. There is no need to fill out a separate form.
For families facing a financial crisis or needing short-term cash support, the primary program is Work First.
Work First Family Assistance (TANF): Short-Term Cash Support
Work First is North Carolina's Temporary Assistance for the Needy Families (TANF) program. It provides temporary cash assistance and employment services to help parents support themselves and their families.
This program is an "employment program" first and a cash assistance program second. The name "Work First" is literal: its goal is to help families find and keep jobs.
Benefit Diversion and Emergency Assistance
Because Work First has a lifetime limit, the program is designed to "divert" families from needing long-term cash aid by offering two alternative forms of short-term help:
Several state and federal programs can help North Carolina residents with heating bills, cooling bills, water bills, and rent.
Help with Utility Bills
North Carolina offers three distinct utility programs. The first two are for energy, and the third is for water.
To apply for LIEAP, CIP, or LIHWAP, you should apply online at the ePASS portal or contact your local county DSS office.
Affordable Housing and Rent Support
Housing assistance is split between long-term federal subsidies and immediate emergency services.
Housing Choice Voucher Program (Section 8)
This is the federal government's main program for long-term rental assistance. It is not an emergency program. Participants receive a voucher and typically pay 30% of their adjusted income for rent, with the voucher paying the rest.
How to Apply
This program is not run by NCDHHS or ePASS. It is administered locally by Public Housing Authorities (PHAs), such as the Raleigh Housing Authority (RHA) or Durham Housing Authority (DHA).
Waiting Lists
To get a voucher, you must apply to a PHA's waiting list. These lists are often closed for years due to high demand. This is a long-term solution, not a fix for an immediate crisis.
Specialized Vouchers
Separate, targeted vouchers may be available for specific groups, such as the Veterans Affairs Supportive Housing (VASH) program or the Mainstream Voucher Program for non-elderly persons with disabilities.
Emergency Housing and Homelessness Services
For residents in an immediate housing crisis, NCDHHS provides funding for "Emergency Housing and Shelters for the Homeless" and "Programs to Find and Maintain Housing". Families facing an eviction may also be eligible for Work First Emergency Assistance to help pay rent or a deposit.
Two separate state systems provide support for residents who are out of work or need help with child care to maintain employment.
Unemployment Insurance (UI)
If you have lost your job through no fault of your own, you may be eligible for temporary income through the Unemployment Insurance (UI) program.
This program is not managed by NCDHHS or ePASS. It is run by the NC Department of Commerce, Division of Employment Security (DES).
Job Training and Career Services: NCWorks Career Centers
While UI provides financial support, NCWorks Career Centers provide free job-seeker services. These centers are available to all residents, not just those on unemployment.
Services are free of charge and include:
You can find your local center at: https://www.ncworks.gov
Subsidized Child Care Assistance
This program helps eligible families pay for child care by providing financial assistance. It is primarily a work-support program.
Eligibility for Child Care Subsidy
Eligibility is based on your family's situation. You may qualify if you need child care for one of the following reasons :
How to Apply for Child Care Subsidy
You cannot apply for this program using the ePASS portal. You must apply within the county where you live.
For more information, visit the NC Division of Child Development and Early Education at: https://ncchildcare.ncdhhs.gov
The primary method is through the ePASS website, North Carolina's secure online self-service portal. You can use ePASS to apply for multiple benefits, including Medical Assistance (Medicaid), Food and Nutrition Services (FNS), and energy assistance programs, without visiting an office.
As of December 2023, North Carolina expanded Medicaid. Adults aged 19-64 who have household incomes up to 138% of the federal poverty level may now qualify. This crucial NC government assistance provides health coverage to many residents who were previously ineligible.
There is no difference. FNS (Food and Nutrition Services) is the name North Carolina uses for the federal Supplemental Nutrition Assistance Program, or SNAP. This NC assistance program provides benefits on an EBT card to help low-income households purchase food.
Work First is North Carolina's Temporary Assistance for Needy Families (TANF) program. It provides short-term cash assistance and employment services to low-income families with children. The program's goal is to help parents find work and move toward self-sufficiency.
The Low Income Energy Assistance Program (LIEAP) offers a one-time annual payment directly to your heating vendor. Applications for this NC assistance typically open in December for seniors and the disabled, and in January for all other households, until funds are exhausted.
You may qualify for the Crisis Intervention Program (CIP). This year-round NC government assistance program helps households in a heating or cooling-related emergency, such as facing a disconnection or having no fuel. You must apply at your local county Department of Social Services (DSS).
Your local Department of Social Services (DSS) office is the primary contact point for most NC assistance programs. DSS staff accept applications, determine eligibility, and manage cases for key services like Medicaid, FNS (food stamps), Work First, and child care subsidies.
Unemployment benefits are managed by the NC Division of Employment Security (DES). To qualify, you must have lost your job through no fault of your own, meet minimum earnings requirements, and be physically able, available, and actively seeking work.
The WAP is a free program that helps make homes of low-income residents more energy-efficient to lower their utility bills. This NC government assistance service may include adding insulation, sealing air leaks, or improving heating and cooling systems at no cost to the household.
Benefit Diversion is an alternative to the Work First (TANF) cash assistance program. It provides a one-time lump-sum payment (up to three months' worth of benefits) to help a family resolve a short-term financial crisis that could prevent them from getting or keeping a job.
Finding a Cass County Texas electric bill assistance program can be overwhelming, especially when facing financial stress. Help is available in Northeast Texas for low-income households, seniors, and families struggling to pay utility bills. The following information details the primary local agencies, state-funded programs like CEAP, and provider-specific options that can provide immediate financial relief and long-term energy solutions.
The primary organization for residents seeking utility help in Cass County is Community Services of Northeast Texas, Inc. (CSNT). This agency is the state-designated local provider, often called a "subrecipient," tasked with distributing federal and state assistance funds to eligible individuals and families in the area.
Contacting CSNT is the most critical first step for accessing most available aid. The agency serves as a central hub, managing several key programs simultaneously. This means a single application can often be screened for multiple types of assistance. The specific CSNT outreach office for Cass County residents is the most direct point of contact:
CSNT administers the main government-funded energy program, the Comprehensive Energy Assistance Program (CEAP).
Furthermore, CSNT also manages local Salvation Army funds for Cass County, which can be used to assist clients with utilities, lodging, and prescriptions. By contacting this single agency, residents are effectively positioned to access the two largest sources of grant-based utility aid in the county.
The most significant source of financial help is the Comprehensive Energy Assistance Program (CEAP), which is available through Community Services of Northeast Texas.
What is CEAP?
CEAP is the State of Texas's method for distributing federal funds from the Low Income Home Energy Assistance Program (LIHEAP). The Texas Department of Housing and Community Affairs (TDHCA) oversees the program, which provides funds to local subrecipients like CSNT to assist low-income households with their energy costs.
This assistance is provided as a grant, not a loan. It is typically paid directly to the household's electric provider to reduce or cover the cost of a bill.
The program is designed to help households meet their immediate energy needs. In some cases, it can also provide prospective payments to help with future bills.
Who Qualifies for CEAP in Cass County?
Eligibility for CEAP is primarily based on a household's income. To qualify for assistance, a household's total gross yearly income must be at or below 150% of the federal poverty guidelines.
The program counts gross income for the last 30 days from all sources, including Social Security (SS), SSDI, unemployment benefits, and TANF.
It is important to note that funding is limited. Therefore, priority is given to low-income households with the highest home energy needs. This priority is specifically designated for households containing:
How to Apply: A Step-by-Step Process
Residents must apply through Community Services of Northeast Texas. The process is as follows:
Required Documents Checklist (Actionable Information)
An incomplete application can delay or disqualify a household from receiving assistance. Gathering all necessary paperwork before applying is essential.
The application packet requires specific documentation for all household members:
Beyond state and federal programs, electric providers in Cass County offer their own assistance options. The correct path depends on which company provides the electricity.
SWEPCO Customers: The Neighbor to Neighbor Program
Southwestern Electric Power Company (SWEPCO), which serves much of East Texas , offers the Neighbor to Neighbor Program.
This program is a partnership between SWEPCO and Dollar Energy Fund, a hardship program administrator.
It provides eligible customers who are experiencing financial hardships with a utility assistance grant applied directly to their electric bill. These grants can prevent a service disconnection or restore service that has been shut off.
To apply for the Neighbor to Neighbor program, customers must contact a local community action agency. The application does not go directly to SWEPCO. Dollar Energy Fund partners with a network of organizations to handle application intake.
Community Services of Northeast Texas, Inc. (CSNT) is listed as a partner organization in Texas.
Therefore, the most effective action for a SWEPCO customer in Cass County is to contact the CSNT office. When applying for CEAP, they should also inquire about applying for the SWEPCO Neighbor to Neighbor Program, as the agency can likely process applications for both.
Bowie-Cass Electric Cooperative (BCEC) Member Options
For members of the Bowie-Cass Electric Cooperative (BCEC), assistance is handled differently.
As a member-owned cooperative , BCEC provides internal payment flexibility options rather than a separate grant program.
Members who cannot pay their bill by the due date have two primary options, both of which are contingent on the member's payment history and length of service:
To access either of these options, the BCEC member must contact a Member Services Representative by phone. These arrangements are not automatic and require direct communication with the cooperative.
In addition to CSNT and direct utility provider options, other programs and services are available to Cass County residents.
The Salvation Army Assistance
The Salvation Army provides a range of services, including utility assistance. A specific "Cass County TX (Linden) Service Unit" provides community-based assistance to residents in need.
As mentioned, Community Services of Northeast Texas (CSNT) administers Salvation Army funds for Cass County, bundling this aid with its other services.
However, residents can also apply to The Salvation Army directly through its dedicated online portal, SAHelp.org. This confidential online system allows individuals to apply for assistance by entering their home zip code.
The system matches the applicant to the appropriate Salvation Army location. A case manager may follow up for additional information. If assistance for utilities is approved, a notification is sent to the applicant and also directly to the utility company to secure the account while payment is processed.
2-1-1 Texas: Information and Referral Service
2-1-1 Texas is a free, confidential information and referral service operated by the Texas Health and Human Services Commission.
It is a critical resource for finding help of all kinds, including food, housing, and utility payment assistance.
Residents can contact 2-1-1 if they are unsure where to start, if CSNT funds are temporarily depleted, or if they need help with other issues beyond their electric bill. The service can provide a list of smaller, local organizations or faith-based groups that may have available funds.
Texas Department of Housing and Community Affairs (TDHCA)
Residents searching for help may find the Texas Department of Housing and Community Affairs (TDHCA) website.
It is important to understand TDHCA's role. TDHCA administers and funds programs like CEAP (LIHEAP) and the Weatherization Assistance Program, but it does not accept applications or provide assistance directly to individuals.
The TDHCA website features a "Help for Texans" search tool. A resident can use this tool by selecting "Utility Bill Payment Help" and entering "Cass County".
This tool will provide the contact information for the official local provider, which in Cass County is Community Services of Northeast Texas (CSNT). This search tool ultimately confirms that CSNT is the correct starting point for state-funded assistance.
While the programs above address the immediate crisis of a high bill, other programs are designed to solve the underlying problem by making a home more energy efficient.
The Weatherization Assistance Program (WAP)
The Weatherization Assistance Program (WAP) is a federal program administered by TDHCA and implemented by local agencies to help low-income households lower their long-term energy costs.
This program is provided at no cost to eligible homeowners and renters.
Trained professionals use diagnostic testing to determine which improvements will be most effective. Work may include:
The provider for the Weatherization Assistance Program in Cass County is Community Services of Northeast Texas (CSNT).
The application form used for CEAP bill payment assistance also includes a section for the Weatherization Program. When residents apply to CSNT for utility bill assistance, they should also inquire about their eligibility for WAP to secure a long-term reduction in their energy bills.
This information provides a clear path for Cass County residents seeking help. The following steps summarize the most effective course of action.
2. Gather Required Documents: Before contacting any agency, collect all necessary paperwork.
3. Contact Community Services of Northeast Texas (CSNT): This is the primary action.
4. Use Secondary Resources: If more help is needed or CSNT is out of funds:
SAHelp.org to submit a separate application directly to The Salvation Army.The primary program is the Texas Comprehensive Energy Assistance Program (CEAP). This federally funded program helps low-income households in Cass County manage their energy costs and is administered locally, not by the state.
Community Services of Northeast Texas, Inc. (CSNT) is the official local agency that manages and processes applications for the CEAP utility assistance program for all residents living in Cass County.
You can apply in person at the Community Services of Northeast Texas office for Cass County. The office is located at 115 S. Kaufman Street in Linden, TX 75563.
To get information on the Cass County, Texas electric bill assistance program or to schedule an appointment, you should call the Community Services of Northeast Texas office directly at (903) 756-5596.
Eligibility is primarily based on household income, which must be at or below 150% of the federal poverty guidelines. You must also be a resident of Cass County and a U.S. citizen or qualified non-citizen.
Priority is given to households with the highest energy burden. This includes households containing vulnerable individuals, such as elderly persons (age 60+), persons with disabilities, and families with young children (age five or under).
You will typically need a valid ID for all adults, Social Security cards for all household members, proof of income for the last 30 days, and a copy of your most recent utility bill or disconnection notice.
No. While it is a key part of the Cass County, Texas electric bill assistance program, CEAP funds can also be used to help eligible households with their natural gas and propane bills.
If you are not eligible for CEAP, you can dial 2-1-1 Texas. This free service can connect you with other local charities, non-profits, or faith-based organizations in the Cass County area that may offer emergency utility assistance.
Yes. The CEAP program includes a "crisis assistance" component. This is designed to help eligible households that are in immediate danger of having their utilities disconnected or have already been shut off. Contact CSNT immediately.
Financial hardship from high utility costs can be overwhelming, but a county texas electric bill assistance program may be available. Texas provides support to low-income households through a network of local agencies designed to help residents manage their energy needs. This resource details the primary state programs, eligibility requirements, and the exact steps to find a provider in a specific county. Assistance is available for electricity, gas, and propane bills, often paired with energy education to help consumers control costs long-term.
The Primary State Program for Utility Help
The main, state-level program for utility help in Texas is the Comprehensive Energy Assistance Program (CEAP). The program is officially designed to assist low-income households in meeting their "immediate energy needs". CEAP provides financial assistance to help pay utility bills, which can be crucial for families facing a financial crisis.
A secondary but integral goal of CEAP is to "encourage consumers to control energy costs" for years to come. This is accomplished through components like "energy education" and, in some cases, "budget counseling". This structure means the program is not just a one-time payment but an intervention intended to provide both immediate relief and long-term stability.
The Link Between Federal LIHEAP and State CEAP
The funding for this assistance originates at the federal level. CEAP is the Texas implementation of the federal Low Income Home Energy Assistance Program (LIHEAP). In Texas, the CEAP framework integrates all LIHEAP-funded programs into a single, statewide system. For a resident seeking help, the terms "LIHEAP" and "CEAP" are often used interchangeably and lead to the same application process.
The entire system is intentionally decentralized. The federal government issues block grants to the state. The state, through the Texas Department of Housing and Community Affairs (TDHCA), then disburses these funds to local organizations known as "subrecipients." These subrecipients, which are typically local non-profits or community action agencies, are responsible for covering all 254 counties in Texas. This decentralized structure is why finding a local, county-level provider is the most critical step in receiving aid.
Because the state's assistance program is run at the county level, individuals cannot apply directly to the state. The Texas Department of Housing and Community Affairs (TDHCA) explicitly states, "TDHCA does not accept applications from individuals". Instead, residents must contact the local subrecipient (provider) for their specific county.
There are two primary, official methods for locating this local provider.
Method 1: The Official "Help for Texans" Tool
The TDHCA manages the official online database of all its approved local providers. This "Help for Texans" lookup tool is the most direct way to find the designated CEAP administrator for a specific county.
The precise steps to use the tool are as follows:
https://www.tdhca.texas.gov/help-for-texansThe tool will then display the name, address, and phone number of the local organization responsible for processing CEAP applications in that area. This could be a local provider like the Brazos Valley Community Action Program (BVCAP) or a county-run office like the Dallas County Department of Health and Human Services.
Method 2: The 2-1-1 Texas Helpline
A second, equally valid "front door" for assistance is the 2-1-1 Texas helpline. This is a free, confidential, 24/7 service operated by United Way. "Utility assistance" is consistently one of the top reasons people call the helpline.
This resource is highly recommended as a starting point by nearly all entities, including the state government , major utility providers , and other non-profit organizations. An individual can dial 2-1-1 from any phone in Texas. They may also call the toll-free number: 1-877-541-7905.
When calling, a specialist will ask for the caller's zip code and details about their situation. They can then provide a direct referral to the local CEAP provider and may also be aware of other private or charitable funds available in the area. The specialist can be reached at any time, day or night. Residents can also search the database online at 211texas.org.
It is important to note that these local agencies have all the authority in the application process. Furthermore, assistance is not an entitlement and is subject to the availability of funds. Local providers may be "at capacity with their funds". This means acting quickly and having all documents ready is essential. If one provider is out of funds, calling 2-1-1 is the best way to find out if another program has an open application period.
Qualification for CEAP is based primarily on household income, though certain households may receive priority.
Primary Eligibility: Household Income
To qualify for CEAP assistance, a household's income must be at or below 150% of the Federal Poverty Income Guidelines.
A critical detail of this requirement is that eligibility is based on the gross income for the past 30 days for all household members aged 18 and older. This "30-day" rule is significant because it means the program is designed to help those in a sudden financial crisis, such as a recent job loss, even if their annual income from the previous year was high.
Based on the most recently published figures, the income limits (150% of federal poverty guidelines) are as follows:
Priority Households
Because funding is limited and not all eligible households can be served , local agencies must triage applications. Priority is given to low-income households with a high "energy burden" (spending a large portion of their income on utilities) or those that include at least one "vulnerable" individual.
When applying, it is essential to state if the household includes:
Informing the agency of these circumstances can move an application to the front of the line for a limited pool of funds.
Automatic Eligibility
In many cases, households are automatically considered income-eligible if a member is already enrolled in certain federal assistance programs. While this does not mean automatic approval (an application is still required), it simplifies the income verification part of the process. These programs often include:
Before contacting the local county provider, residents should gather all necessary documents. An application cannot be processed without this information. Even if a household has received help in prior years, the application process restarts every year, and all information must be resubmitted.
Based on standard CEAP application requirements across Texas counties, the following documents are typically needed:
For individuals who are self-employed, paid in cash, or recently unemployed with no income, a "Declaration of Income Statement (DIS)" form is often provided by the agency. This allows the applicant to self-declare their income status, removing a potential barrier for those in non-traditional employment.
Receiving a utility disconnection notice can cause significant anxiety, but it is crucial to know that this notice does not mean an immediate shutoff. Residents have specific rights under Texas law.
Rights and Protections
Immediate Actions to Take
The worst thing to do is ignore the notice. The best strategy is to pursue two tracks simultaneously.
By pursuing a payment plan with the provider while simultaneously securing a pledge from an assistance agency, a resident dramatically increases their chances of keeping the utilities connected.
In addition to the state-run CEAP program, many of Texas's largest Retail Electric Providers (REPs) manage their own, privately-funded assistance programs. These are often funded by the company and by contributions from its customers.
These private funds are a separate "pot" of money from the federal CEAP/LIHEAP funds. This means a household could potentially be denied for CEAP (due to income rules) but still qualify for a "hardship" program from their provider.
The 2-1-1 Texas helpline acts as the central "clearinghouse" and referral service for both public and private assistance programs.
TXU Energy Aid
TXU Energy offers the "TXU Energy Aid" program. This program is funded by contributions from TXU Energy, its employees, and its customers. The funds are administered by selected social service agencies across Texas. To apply for this assistance, customers should call 2-1-1 or visit 211texas.org to find the local agency managing these specific funds.
Reliant Energy CARE Program
Reliant offers the "Community Assistance by Reliant Energy (CARE)" program. This program is also funded by Reliant and its customer contributions and is designed to support customers facing "extreme hardship," such as a loss of income or family illness. To apply, Reliant customers should call 2-1-1 or visit 211texas.org to be connected with a local agency partner that distributes CARE funds.
Other Provider Assistance
Other providers, such as Green Mountain Energy, also offer payment arrangements and budget billing to help customers manage costs. They likewise direct customers in financial distress to call 2-1-1 to apply for LIHEAP and other community assistance programs.
If CEAP funds are exhausted or an applicant does not qualify, other local non-profits may offer emergency assistance. These organizations often have different funding sources and more flexible qualification guidelines.
The Salvation Army
The Salvation Army provides emergency financial assistance for utilities across Texas to help families prevent disconnection. This assistance is managed by their local teams, not a central state office. An individual must contact their local Salvation Army center to apply. They will likely be required to provide a disconnection notice and other documentation of their need.
Catholic Charities
Catholic Charities agencies in various Texas dioceses also provide utility assistance. The application process varies significantly by location. For example, Catholic Charities of Central Texas requires applicants to submit an online request form , while the Fort Worth diocese requires a phone call to their "Community Care Team". Services are available to people of all faiths, and an individual does not need to be Catholic to receive help.
Society of St. Vincent de Paul (SVdP)
The Society of St. Vincent de Paul (SVdP) offers direct, person-to-person assistance for rent, utilities, and other emergency needs. This organization is run by local volunteer groups, called "Conferences," which are often based in Catholic parishes. A core part of their process is the "Home Visit," where two volunteers (Vincentians) meet with the family to understand their challenges. To get help, a person must contact the local SVdP conference that serves their specific neighborhood or zip code. In some areas, like North Texas, a central intake form or phone number is used, and a local volunteer typically responds within 24-48 hours.
The primary program is the Comprehensive Energy Assistance Program (CEAP), which is the name for the federal Low Income Home Energy Assistance Program (LIHEAP) in Texas. It is administered locally by county-level agencies to help low-income households with their energy bills.
You do not apply to the state directly. To find your county Texas electric bill assistance program, you must contact your local "subrecipient," which is typically a non-profit Community Action Agency or your county's social services office. Dialing 2-1-1 is the easiest way to be connected to the correct agency for your area.
Eligibility is primarily based on household income, usually at or below 150% of the Federal Poverty Income Guidelines. Priority is given to vulnerable households, such as those with elderly members (age 60+), persons with disabilities, or young children (age 5 and under).
You will typically need:
Proof of identity (e.g., driver's license) for all adults.
Proof of U.S. citizenship or legal residency for all household members.
Proof of all household income for the last 30 days.
A copy of your most recent electric and gas bills.
Yes. If you have a disconnection notice, the county Texas electric bill assistance program (CEAP) includes a crisis component. You should contact your local agency or call 2-1-1 immediately. Organizations like The Salvation Army may also offer emergency financial aid for utilities.
Absolutely. The Comprehensive Energy Assistance Program (CEAP) is designed to help with all home energy needs. This includes providing financial assistance for both heating costs (like natural gas or propane) and cooling costs (electricity), which is critical during Texas summers.
Seniors aged 60 and over are a priority group for the CEAP program. Seniors should apply for the county Texas electric bill assistance program through their local Community Action Agency. Many agencies have specific funds or expedited processes for older adults.
They are the same program. LIHEAP (Low Income Home Energy Assistance Program) is the federal block grant that funds the program. CEAP (Comprehensive Energy Assistance Program) is the official name of the program as it is administered by the Texas Department of Housing and Community Affairs (TDHCA).
This depends entirely on your county. Some local administering agencies (like those serving Tarrant, Harris, or Bexar counties) have online portals to submit applications and documents. Other, smaller counties may require you to apply by mail, over the phone, or in person.
In addition to direct financial assistance on your bill, the county Texas electric bill assistance program may also provide funds for the repair or replacement of inefficient heating or cooling units (HVAC) for eligible homeowners. Energy education and budget counseling are also common components.
Residents of Chambers County, Texas, facing financial difficulties have several options for electric bill assistance. Support is available through the state's primary utility aid program, known as CEAP, which is administered by a specific local community action agency. Additionally, several non-profit organizations and utility companies like Entergy and Reliant provide emergency funds and payment plans. These resources are designed to help residents in communities from Anahuac and Winnie to Mont Belvieu and Baytown avoid disconnection and manage energy costs.
The most significant, state-administered resource is the Comprehensive Energy Assistance Program (CEAP). CEAP is the program used by the State of Texas to distribute federal funds from the Low Income Home Energy Assistance Program (LIHEAP).
This program is specifically designed to help low-income households meet their immediate energy needs and reduce their energy costs. The Texas Department of Housing and Community Affairs (TDHCA) oversees the program and distributes the funds.
The TDHCA does not provide assistance directly to individuals. Instead, it sends the funds to local "subrecipients," which are community action agencies that handle the applications and assistance for residents in their designated counties.
A resident's first step is to identify and contact the correct subrecipient for their county.
For all residents of Chambers County, the designated CEAP (LIHEAP) subrecipient and administrator is the Greater East Texas Community Action Program (GETCAP)
It is critical for residents to know that GETCAP serves 27 counties in East Texas, and its administrative structure requires Chambers County residents to be processed through an office located in a neighboring county. This can be a point of confusion, as there is no GETCAP energy assistance office physically located within Chambers County.
GETCAP Contact and Appointment Information for Chambers County Residents
Chambers County residents who need to apply for the CEAP program must contact the GETCAP Jefferson County Office.
The most direct way to schedule an appointment is by using the 24/7 automated phone system. Call this number to make, change, or cancel your appointment for assistance at the Beaumont office.
Required Documentation for Your GETCAP Application
You will be required to bring extensive documentation to your appointment. Failing to bring all required items may delay your assistance.
To ensure your application is processed successfully, gather the following items for all household members:
Household Eligibility Requirements
Eligibility for CEAP is primarily based on two factors:
For more information on GETCAP programs, visit their official website at https://get-cap.org/.
A second path for assistance is to contact your electric company directly. The process for this depends on where you live in Chambers County and which company sends you a bill.
Entergy Texas Customers (Anahuac, Winnie, and surrounding areas)
If your electric bill comes from Entergy, you may qualify for their privately funded assistance program.
Reliant Energy Customers (Mont Belvieu, Baytown, and deregulated areas)
If your electric bill comes from Reliant Energy , you may be eligible for their assistance program.
TXU Energy Customers (Deregulated Areas)
If your electric bill comes from TXU Energy, they also offer a bill-payment assistance program.
If Your Utility is CenterPoint Energy
Many residents in Mont Belvieu and Baytown will see CenterPoint Energy trucks and receive notices about power lines. It is important to understand that CenterPoint Energy is the TDU—they maintain the poles and wires, but they do not sell electricity or send you your bill.
You must look at your bill to identify your Retail Electric Provider (the company name on the bill, like Reliant or TXU) and contact that company for assistance using the steps above. You are also eligible for the main GETCAP/CEAP program. CenterPoint's own assistance funds are generally for its natural gas customers or for customers in other states.
If you do not qualify for CEAP or need supplemental help, several local non-profit organizations provide emergency financial assistance, including for utilities.
Love Network of Baytown
This organization provides assistance with basic needs for residents in financial crises.
The Salvation Army
The Salvation Army provides emergency financial assistance for utility bills when funds are available. Assistance in Chambers County is handled by local, volunteer-operated "Service Units".
Catholic Charities of Southeast Texas
This organization serves nine counties in the region, including Chambers County, and offers financial services for those experiencing a temporary hardship.
If you have received a termination notice and are at immediate risk of having your power shut off, you must act quickly. The application process for assistance, especially CEAP, can take time. Use this 3-step crisis plan to "buy time."
Step 1. Call Your Electric Provider Immediately
Call the customer service number on your bill.
Request a Payment Extension or a Deferred Payment Plan. When you call, be sure to state that you are in the process of applying for financial assistance from a local agency. This can sometimes give you more options.
Step 2. Dial 2-1-1
Call 2-1-1 or visit the website https://www.211texas.org/. This free, confidential service from the Texas Health and Human Services Commission has the most up-to-date database of all agencies in your zip code (charitable, state, and provider-funded) that currently have funds available for utility assistance. This is the fastest way to find immediate, smaller-dollar help.
Step 3. Begin the CEAP Application
After you have secured a short-term extension from your provider, immediately begin the process for the larger CEAP program. Call the GETCAP automated appointment line at (936) 720-7474 to schedule your appointment. While you wait for your appointment day, begin gathering all the required documents (Social Security cards, ID, proof of income, award letters, etc.) listed in the section above.
For additional state-level resources, you may also search the Texas Department of Housing and Community Affairs' "Help for Texans" page at https://www.tdhca.texas.gov/.
The primary program is the Texas Comprehensive Energy Assistance Program (CEAP). This federally funded program helps low-income households in Chambers County manage their energy costs and is also known as LIHEAP.
The Chambers County Texas electric bill assistance program (CEAP) is administered by a local subrecipient. Residents typically apply through the Greater East Texas Community Action Program (GETCAP), which manages services for the county.
To apply for electric bill help, you should contact the Greater East Texas Community Action Program (GETCAP) directly to start your application. You can also dial 2-1-1 Texas or visit the Texas Utility Help website for a referral.
Eligibility is based on household income and size. Generally, your household's gross income must be at or below 150% of the Federal Poverty Income Guidelines. These limits are updated annually by the state.
You will typically need proof of identity for all household members, a copy of your most recent electric bill, and proof of household income for the last 30 days (such as pay stubs or a benefits letter).
Yes. CEAP includes a crisis assistance component for households in immediate danger of disconnection. You must have a pending disconnection notice to qualify for this emergency component of the Chambers County Texas electric bill assistance program.
Yes, state guidelines for CEAP prioritize households with vulnerable individuals. This includes seniors (age 60+), persons with disabilities, and families with young children (age 5 or under), ensuring they receive help first.
Yes, many utility companies offer separate aid. For example, Entergy Texas has "The Power to Care" program, which provides emergency bill payment assistance to qualifying seniors and disabled individuals. Always ask your provider directly about their specific programs.
Yes, the Chambers County Texas electric bill assistance program is designed to help with both heating and cooling costs. Assistance is available to help manage high electricity bills from air conditioning during the summer months.
The fastest way is to call 2-1-1 and select the option for "Utility Assistance." The operator will connect you with the correct local agencies, like GETCAP, that are accepting applications for the Chambers County Texas electric bill assistance program.