The coronavirus is a worldwide pandemic with far-reaching impact on millions of people on this planet. At this time, we are just shy of 1,000,000 cases worldwide. We will pass the one million mark sometime today (April 2, 2020).
Mandatory lockdowns, while crucial to stemming the onslaught of this unforgiving plague, will result in literally hundreds of thousands of Americans with no jobs. It is closing small and large businesses in every state of the union. Even people who work from home have found their workload evaporating as the coronavirus continues its relentless march across the globe.
So what do you do if you find yourself sheltering in place but with no cash flow.
Well, fortunately there are options in place to help in just such a crisis as this.
This page will be updated as new resources become available and I will do my best to keep it organized.
For small business owners:
The SBA has help available:
Coronavirus (COVID-19): Small Business Guidance & Loan Resources
For homeowners with no income:
you can contact your mortgage company and request a forbearance based on the coronavirus eliminating your income. You MUST use that phrase when you contact them. Make sure to use the word “coronavirus” because this is an undisputable reason for a forbearance. They will not advise you to do this, but there are mechanisms in place to give you relief. Make sure to have your loan number ready when you call them. Be prepared to wait awhile. You’re not the only one with this problem.
In the state of Texas, the Supreme Court has halted all residential evictions.
Check the situation for your state by going to their website.
Utility Bills — phone, water, power, etc…
In Texas, utility providers are required to implement payment deferral plans.
Read the Texas PUC document here
Your state may be different, so check any major metropolitan news source on this.
Covid-19 Screening Near You
Should you be tested? This page has guidelines.
You MUST MEET certain criteria to qualify for testing at this time.
How do you find a testing site?
First, you should contact your primary care physician about your symptoms. They will ascertain whether or not you meet the criteria for testing and advise you on the best location given your current condition and logistics.
Texas Drive-Thru Testing Locations
If you live outside the state of Texas (this is most unfortunate for you, but hang in there) consult your primary physician before looking for testing sites.
Your Job is Vaporized. Now What?
File for Unemployment Pronto
Other Financial Assistance
- For a list of nonprofit organizations providing relief for those of us suffering cash flow problems as a result of coronavirus, this site has an extensive listing.
- For a listing of grants that can help you out, this site has lots of them.
- Here is an article with lots of resources that can be of help.
- The Salvation Army is not high on my list because of the LGBTQ negative position, but will help you.
- Find a local food bank if you are in dire straits.
- There is another food pantry list here.
Feel free to comment with any other useful resources.