The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Are you a survivor of Hurricane Ida? Is there a problem with your help from FEMA?

The deadline has been extended to June 1, 2023 to appeal FEMA Denials!

Here are some examples of issues you can try to fix with FEMA:

  • FEMA said I have not given documents that show I own the home.
  • FEMA said I have not given documents to show I lived in the damaged household
  • FEMA did not pay me enough to repair my home.
  • FEMA did not pay me enough for my damaged personal property.
  • FEMA said I do not qualify for Rental Assistance

You can file an appeal if you have any of these issues or if you have new evidence to show FEMA.

You can file an appeal even if the deadlines have passed on your paperwork. With the appeal, give FEMA the reason why you are late.

Your appeal must be in by June 1, 2023.**

If you need help with an appeal or other Hurricane Ida issue, please call Southeast Louisiana Legal Services at 1 (844) 244-7871

** In some cases, you can file an appeal in Federal Court after this date, but we advise caution. We recommend consulting with an attorney if you need to appeal FEMA’s decision higher.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

You should check your bank statements carefully every month. Contact your bank or credit union right away if you see a problem. A problem could be money taken out without your permission or purchases you did not make.

When should I tell my bank or credit union?

Do not wait. Contact the fraud department of your bank or credit union right away. If you wait too long, you might be stuck with the bad charge.

You may have more rights to challenge the problem if you tell the bank or credit union within 60 days after the statement that shows the problem. If you report it later, you still may be able to get a charge removed unless your bank has a reason why notice within 60 days would have made a difference.

What does the bank or credit union have to do after I report the problem?

Your bank or credit union must look into the issue within ten business days after you tell them about the problem. They have 20 days to look into it if your account has been open for less than 30 days.

If they find a mistake, they one business day after that to fix the error. They have 3 business days after that to contact you and report their findings. If they on time, they must give you a temporary credit.

This temporary credit is for the amount of the bad charge, minus no more than $50. It stays there while the bank or credit union looks into the problem.

The bank or credit union doesn’t always have to issue a temporary credit. If you alert the bank or credit union by phone, they can make you send this information in writing. If they say to report it in writing and you don’t send the information within 10 business days, they don’t have to give you the temporary credit.

The bank or credit union has at least 45 days to resolve the problem. They get up to 90 days if the money changed hands in a foreign country, if the problem happened within 30 days of opening the account, or if the problem deals with a debit card purchase.

The bank or credit union may find that the transaction was correct. They must tell you in writing that they are taking back the money credited to your while they looked into it.

Do I need to contact the store involved with the problem on my account?

Yes, it is a good idea to contact the store and dispute the purchase.

What if I think my debit card or pin was stolen or lost?

Tell your bank or credit union right away or at least within two business days of finding out about the loss or theft. If you meet the deadline, they cannot charge you for more than $50 that gets charged after the card was stolen or lost. If you miss the deadline, you could be responsible for up to $500 of the charges.

You cannot be charged for any of the charges if you report your card as lost or stolen before it is used by someone else.

Never write your PIN on your debit card. Do not keep the PIN in your wallet. This can help protect you if your card or wallet is lost or stolen.   Use a PIN that only you can remember and no one else would know.

Most credit card companies will not make you responsible for any charges after loss or theft.

What if my bank or credit union is still paying these charges out of my account?

Contact your bank or credit union as soon as you can and contact the merchant to cancel the service. Tell them that you are taking back authorization for these charges.

Include information to help the bank identify the charges. Tell them the name of the merchant, your account number with the merchant, and the amount(s) and date(s) of the charge(s).

You can also ask your bank to place a stop payment on a pre-authorized transaction at least 3 business days before the next payment is scheduled to be made. They may charge a fee. You should ask for the stop payment in person at the bank or in writing.

What if my bank or credit union does not resolve this for me?

You can file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is a federal government consumer protection agency.

More info is here: https://www.consumerfinance.gov/complaint/process/

If your bank is licensed in Louisiana, you can also file a complaint with the state here: http://www.ofi.state.la.us/complaints.htm

Other resources: https://www.helpwithmybank.gov/help-topics/bank-accounts/index-bank-accounts.html

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

New rules can help people cancel federal student loans in bankruptcy. The law calls this getting a debt “discharged.” The U.S. Department of Justice and the U.S. Department of Education will help with the new rules. This applies to bankruptcy cases filed after November 17, 2022. Bankruptcy is complicated. Get a lawyer to help you if you can. You may qualify for free legal help from Southeast Louisiana Legal Services.

What is the law about using bankruptcy to discharge federal student loans?

The law makes it hard to discharge federal student loans in bankruptcy court. A person must prove that repaying the loans creates “undue hardship.” It is hard to prove “undue hardship.”

This is what it takes to prove “undue hardship” in a bankruptcy case:

  • You can’t pay back your federal student loans and have a basic standard of living.
  • Your financial hardship will last most of the loan repayment period.
  • You made good-faith efforts to repay the loan before filing for bankruptcy.

How will the new rules make it easier to discharge federal student loans?

The Justice Department will help United States Bankruptcy Courts find cases where federal student loans should be discharged.

How do I use bankruptcy to discharge federal student loans?

There are multiple kinds of bankruptcy cases. You must file for bankruptcy under Chapter 7 or Chapter 13. For more about bankruptcy, see our other post on “Bankruptcy Basics.”

Find a lawyer to help you if you don’t know if you should file for bankruptcy or what kind of bankruptcy case to file. It is always best to have a lawyer if you can.

In the bankruptcy case, you or your attorney have to file for an “Adversary Proceeding” to have the bankruptcy court consider canceling your federal student loan.

The Justice Department will ask the person filing for bankruptcy (the “debtor”) to complete a form. Your answers will help the Justice Department review your federal student loan discharge claim.

The form will ask about the money situation for you and your household. Most of your income and expense information is probably already in the bankruptcy court papers.

The Justice Department and the Department of Education will review your federal student loan claims and money situation and use the “undue hardship” test mentioned above.

The government will decide whether to ask the court to discharge your student loans. Even if your situation does not seem to meet the test, the government can still ask the court to discharge the loans.

What will the government look at?

  1. Your Ability to Pay Now
    • The government will see if your expenses are the same or more than your income and if this means you cannot pay back your loans now.
  2. Your Ability to Pay in the Future
    • The government will see if you can pay back your loans in the future. Here are some things that could show you cannot repay your loans in the future:
      • You are 65 or older.
      • You have a disability or ongoing injury that affects your income.
      • You were unemployed for at least 5 of the last ten years.
      • You did not get the degree for which you took out the loans; and
      • The loan has not been held from payment by an “in-school” payment status for at least the last ten years.
      • You can use other facts to show that you cannot repay the loans.
  3. Your Good Faith Efforts to Repay
    • You must show good faith about repaying the loan or loans. You will need to show at least one of the following things to prove good faith:
      • That you made a payment.
      • You applied for deferment or forbearance (not in school or grace period ones);
      • You applied for an IDRP (Income Driven Repayment Plan);
      • You applied for a federal consolidation loan.
      • You responded to outreach from a loan servicer or collector;
      • You cooperated with the Department of Education or its servicer on repayment options, forbearance, deferment, or loan consolidation options; or
      • You cooperated with a third party you believed would help you to manage your student loan debt.

Are there additional court costs to get federal student loans discharged?

Not if you use bankruptcy court. There are no additional court costs once you have filed in U.S. Bankruptcy Court.

What loans do the new rules cover?

The new rules cover Direct Loans and other loans held by the U.S. Department of Education.

So far, the new rules do not apply to Federal Family Education Loans (FFEL) held by guarantors or to Perkins Loans still held by the school.

The new rules do NOT apply to any private student loans.

What can I do with my FFEL and Perkins loans?

Pay attention to the news. The Department of Education may change rules for FFEL and Perkins loans. Or you can get an attorney to help you review your student loans and determine if a Chapter 7 bankruptcy is right for you.

Here are other resources:

https://www.justice.gov/opa/pr/justice-department-and-department-education-announce-fairer-and-more-accessible-bankruptcy

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

What is bankruptcy?

The United States Supreme Court states that Bankruptcy is meant to provide "a new opportunity in life, unhampered by the pressure and discouragement of pre-existing debt."  It is intended to give people a fresh financial start.  It allows them to free themselves of current debt and to start new productive lives unhampered by past financial problems.

Filing bankruptcy cannot cure every financial problem and is not appropriate for every individual. But it may make it possible for financially distressed families to obtain relief from debt.

What type of bankruptcy can I file?

Individuals can either file Chapter 7 or Chapter 13

  • Chapter 7 Bankruptcy should be considered when most of the consumer's debt is unsecured. A debt is secured if it includes a mortgage or lien on things you own – like a car note or house note. But you may also have signed rights to items you own for other loans, in which case they may be secured. For Chapter 7, the debtor usually has no major assets. But some people can file a Chapter 7 even if they own a home.
  • Chapter 13 Bankruptcy allows someone to stop and cure foreclosures and repossessions without losing their property. It gives a person time to pay off past due amounts.
  • In Chapter 13, the debtor will submit and enter a repayment plan for at least three years and up to 7 years.
  • Chapter 13 also has special help for some types of debts.

 What happens if I file a bankruptcy?

A Bankruptcy may end your having to pay much or all of your debt.  This is called “discharging” the debt. You are no longer legally obligated to pay debts when they are discharged.

It may stop foreclosure proceedings on a home and allow you to catch up on payments.

It may force a creditor to accept less payment on a secured debt when the creditor has demanded payment in full.

It will immediately stop any garnishment of your wages and debt collection harassment.

It will immediately stop all current legal proceedings about whether you owe money, such as lawsuits.

What does a bankruptcy filing NOT do?

A Bankruptcy might not allow you to keep things you have that are pledged in a note (such as your home for a house note or car for your car note).

It will not allow you to get out of debts owed to some government agencies, like child support, alimony, most student loans, criminal fines, and most taxes.

It will not protect co-signors when only the person who made the loan files for bankruptcy. Your co-signor still owes the full amount.

It will not end any debts obtained through fraud or intentionally injuring someone.

Does the debtor decide on which Chapter to file under?

Under current bankruptcy law, the debtor's "current monthly income" will determine if they can file under Chapter 7 or must file under Chapter 13.  This is known as the “means test.”  Each state has a table used to decide this.  In Louisiana, for a household of 2, the yearly income limit to file a Chapter 7 is $61,042.  So, if your gross income is below this amount, you can file a Chapter 7.

But as noted above, how much you own in secured assets and other issues can also make you need a Chapter 13.

Did Road Home sue you?

Was the suit about an Elevation Grant?

Is the suit still active, or do you still owe money?

If the State of Louisiana, Office of Community Development (OCD) sued you after getting up to $30,000 from Road Home to elevate your home, there is important news.

On February 16, 2023, the State, OCD, and federal agency (HUD) announced that all lawsuits to return these funds would be dropped.  Soon you or your attorney should be notified by OCD about this news.

The State will stop all collection on these Road Home grants.  If a lien was placed on your property because of the suit, the State will release and remove it.

You will not get back any money you already paid.  But if you are on a monthly repayment plan, you can stop making payments now.

You can learn more:

https://www.wwltv.com/article/news/investigations/road-home-louisiana-drop-thousands-of-lawsuits-hurricane-katrina-and-rita/289-c79b0ad8-d9e6-47cd-9607-fa96873829b4

https://www.hud.gov/press/press_releases_media_advisories/hud_no_23_036

For Immediate Release, February 15, 2023

Contact:

Laura Tuggle, ltuggle@slls.org, 504.913.6617

 

Over 60 Nonprofit Groups Call On FEMA to Extend the February Deadline for Hurricane Ida Disaster Assistance and Appeals

236,000+ Louisiana households are awaiting FEMA aid decisions as deadline looms

NEW ORLEANS — The Federal Emergency Management Agency’s Individuals and Households Program (IHP) will stop accepting appeals and providing financial assistance for Hurricane Ida on Feb. 28, 2023, despite the fact that, according to FEMA’s own records, there is still no decision on over 236,000 Louisianan household’s applications for assistance.

FEMA has not issued a press release or any public notification of the looming deadline.

In response, over 60 voluntary, faith-based, community, philanthropic and national advocacy organizations have issued letters to President Biden, FEMA Administrator Deanne Criswell, the Louisiana Congressional Delegation and Governor John Bel Edwards, requesting an extension of the deadline to allow disaster-affected households time to submit appeals to FEMA.

“Hurricane Ida was the fifth costliest hurricane in U.S. history, and Louisianans continue to struggle to recover,” said Laura Tuggle, Executive Director of Southeast Louisiana Legal Services. “As nonprofits, we are on the ground, working directly with people in affected communities. We are partners that stand behind FEMA’s equity goals and are uniquely positioned to help identify the invisible roadblocks that Louisianans are experiencing as they try to access assistance. Due to our intimate knowledge of the barriers to recovery, we know nothing will go further to producing equitable outcomes among the people of our state than an extension of the IHP period of assistance and appeals deadline.”

Louisianans have faced significant barriers to applying for assistance since Hurricane Ida for a variety of reasons, including:

  • In 2021, Louisiana’s poverty rate was the highest in the nation at 19.65%.
  • The remote, rural areas that Hurricane Ida hit have low educational attainment levels.
  • FEMA relies heavily on written correspondence, which directly impacts Louisianans’ ability to access disaster assistance in a state with a literacy rate of 84% in 2023.
  • Providing the necessary FEMA documentation requires adults to be technology-proficient in areas without broadband access, which prevents rural residents, older adults, people with disabilities, people with limited English proficiency, low-income households and others - from acting in their own best interest.
  • Survivors must fax information to National Processing Service Centers or upload it into FEMA’s antiquated NEMIS system, which makes documents illegible due to excessive pixelization. This triggers repeated requests for documents that survivors think they have submitted (which were legible on their end).
  • Homeownership documentation was destroyed in the storm or is lacking due to heirship property issues which take time and legal assistance to resolve.
  • There is a severe lack of contractors to provide the estimates that are required for homeowners to submit appeals.
  • The COVID-19 pandemic prevented FEMA inspectors from entering people's homes, resulting in inaccurate damage assessments and the need for a second inspection.
  • The closure of Disaster Recovery Centers in Louisiana on February 25, 2022, made it more difficult for survivors to get the help they needed when applying for assistance.
  • Many homeowners still have unresolved insurance claims and cannot submit settlement documentation and declaration pages to receive FEMA awards.
  • The Restore Louisiana Homeowner Assistance Program recently began processing applications. To be eligible, applicants must have received either $8,000 in home repair funds or $3,500 in personal property assistance from FEMA.

Because FEMA has not provided the public with formal written notice of the deadline through the media, Louisianans are not ready for the cessation of IHP financial assistance or the loss of their ability to appeal previous FEMA decisions denying them assistance. Without a deadline extension, Hurricane Ida survivors will experience growing levels of financial instability, making Louisiana and its residents even more vulnerable to future storms.

By comparison, on Jan. 24, 2023, FEMA published a press release identifying the March 10, 2023, deadline for Hurricane Ida survivors in Pennsylvania.

A 90-day extension beyond the Feb. 28, 2023 deadline would allow survivors time to obtain FEMA resources which are required to be eligible for the Restore Louisiana Program. An inability to appeal FEMA decisions not only prevents access to FEMA assistance but will also bar access to the state’s housing recovery program.

We are grateful the Governor’s Office of Homeland Security and Emergency Preparedness (GOHSEP) shares our common desire to change negative recovery outcomes that disproportionately affect underserved communities. We are aware that GOHSEP requested the exact same extension of FEMA’s Individuals and Households Program (IHP) after Hurricane Laura, and were met with a denial of their request. We stand with our state officials in support of their equity goals and we seek a different outcome for Ida’s request - one that extends the deadline by at least 90 days. The enormous number of people in Louisiana whose needs are still unmet must be everyone’s greatest priority.

“This is a life or death situation for Louisiana’s people,” added Tuggle. “FEMA has an opportunity to make good on its equity goals by extending the February 28 deadline and providing a notification period before the deadline to account for the unique challenges of our state’s Hurricane Ida survivors.”

See the full list of partner signatories here.

###

About Southeast Louisiana Legal Services

Southeast Louisiana Legal Services (SLLS) fights for fairness in the justice system. It provides free, civil legal aid to low-income people in six offices, across 22 parishes in southeast Louisiana. Our six offices are located in Baton Rouge, Covington, Hammond, Harvey, Houma, and New Orleans. Our mission is to achieve justice for low-income people in Louisiana by enforcing and defending their legal rights through free legal representation, advocacy, and community education. For more information about SLLS, visit www.slls.org and follow us on Facebook (@SLLShelps).

“Lawyers have a license to practice law, a monopoly on certain services. But for that privilege and status, lawyers have an obligation to provide legal services to those without the wherewithal to pay, to respond to needs outside themselves, to help repair tears in their communities.” – U.S. Supreme Court Associate Justice Ruth Bader Ginsburg (March 2014)

Are you an attorney (either currently practicing or retired) in East Feliciana, Iberville, Pointe Coupee, St James, St John, or West Feliciana?  Southeast Louisiana Legal Services (SLLS) would like to speak with you about opportunities to volunteer and/or create a partnership with you to bring legal services to those who need it most.

Southeast Louisiana Legal Services (SLLS) fights for fairness for vulnerable people. We provide free, civil legal aid to low-income people in six offices, across 22 parishes throughout southeast Louisiana. Our six offices are located in Baton Rouge, Covington, Gretna, Hammond, Houma, and New Orleans. Everyday we:

  • protect domestic violence victims,
  • empower abused and neglected children by giving them a voice in their lives and the courtroom,
  • preserve housing for hard-working families,
  • end homelessness for people with disabilities and veterans,
  • protect elderly consumers,
  • remove barriers to access medical care,
  • improve access to employment and education for vulnerable people,
  • and so much more.

No matter what challenges our communities face, we work every day to increase access to justice and help vulnerable people clear life's legal hurdles.  But we can’t do it alone and that’s why we need your help.  To find out more information, please contact Cindy Horne, CP at 225-448-0080, ext. 302 or by email at chorne@slls.org or Douglas Carey at 504-529-1000, ext. 246 or by email at dcarey@slls.org.  Our website can also be found at www.SLLS.org.

“Our society has major unmet legal needs that adversely affect low and middle income families. It’s a situation that threatens the well-being of our democracy. According to California’s Business and Professions Code, lawyers should ‘Never to reject, for any consideration personal to himself or herself, the cause of the defenseless or the oppressed.’ The entire legal professional has an opportunity to address this crisis.” – Chief Justice Tani G. Cantil-Sakauye (October 2014)

Did FEMA give you a trailer or camper after Hurricane Ida? Are you still living in a FEMA Trailer or Camper?

This post does not apply to trailers from the state of Louisiana, only trailers from FEMA.

If you are still in a FEMA trailer, you should know the following:

  • FEMA says it will only allow the use of the trailer until August 29, 2023!
  • For March, April, and May 2023, rent for every trailer will be $50. March rent is due April 1st. If you are charged more than $50 for March, April, or May 2023, you can contact Southeast Louisiana Legal Services to see if we can provide free help.
  • If you are in your trailer after May, FEMA will charge you market rent. You can ask to reduce it based on your income. You will have to document your income and expenses. If you have a “very low income” (see chart below), you can be approved for $50 in rent. Starting in June 2023, call us for assistance if your rent is higher than you can afford. See https://slls.org/get-help/client-services/
  • If your income is above the “very low income” limit, FEMA is supposed to charge rent you can afford. You will have to document your income and expenses. If your rent is more than you can afford, call us for help.
  • For the higher rents after May, you should get a letter from FEMA telling you what your rent will be and how to appeal if you can’t afford it.
  • If you do not pay the rent, FEMA can put you out of the trailer!
  • February 28, 2023 is the last day to move out to not pay any rent.
FY 2022 Very Low-Income (50%) Limit (VLIL)
Median Family Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
72, 400 25,350 28,950 32,600 36,200 39,100 42,000 44,900 47,800

If you cannot afford the FEMA rent, have questions about FEMA rent, or will be put out of a FEMA trailer, call 1-844-244-7871 to see if Southeast Louisiana Legal Services can help.
Please note that if you reside in a camper provided by the State Governor’s Office of Homeland Security and Emergency Preparedness Ida Sheltering Program (NOT FEMA), there is no plan to charge you rent.

About SLLS

Southeast Louisiana Legal Services (SLLS) provides free legal assistance to indigent and other vulnerable people who cannot afford to hire a lawyer. We protect their livelihoods, health, housing, and families.  Through legal representation, we can assure fairness for our clients as they navigate through the civil justice system. SLLS works to combat the inequities and disproportionate impacts faced by marginalized communities of color. We are the largest nonprofit civil legal services provider in Louisiana serving 50% of the state’s poverty population in twenty-two parishes across southeast Louisiana.

Request for Proposals

Overview

SLLS seeks proposals for a redesign of its current website, www.slls.org. The site should be a visually appealing, accessible, and easy-to-navigate space for clients, volunteers, donors, and the community to apply for legal assistance, find legal resources and learn more about SLLS.

Design Goals

The website design should be clean, interactive, fully responsive, and consistent with SLLS branding. There should be a consistent style sheet across all pages. The homepage design should include at a minimum:

Functionality Goals

The website should be easy to manage with the ability to add additional elements as needed. We would prefer to use WordPress and Divi but are open to other CMS. Specific functionality needs include:

Additional Needs

Timeline

We would like to soft launch the site by June 2023.

Proposal Requirements

Proposals should be submitted by Wednesday, March 1, 2023, to Lynette Martin at lmartin@slls.org. Proposals should include at minimum:

Evaluation Criteria and Award of Contract

SLLS may elect to schedule a conference call with potential consultants prior to awarding a final contract. Please include contact information for scheduling purposes in the RFP.

Proposals will be evaluated upon the contractor’s responsiveness to the RFP, qualifications, demonstrated experience with similar projects, and total price quoted for all items covered by the RFP. Award of the contract resulting from the RFP will be based upon the most responsive contract that is most advantageous to SLLS in terms of cost, functionality, experience, and quality of past work.

SLLS ideally seeks a firm that understands its needs as a nonprofit and legal services organization and is invested in our missions of achieving justice and social change by fighting poverty.

SLLS reserves the right to accept or reject any and all proposals and to waive any minor discrepancies or technicalities in the proposal or specifications, when deemed to be in the best interest of SLLS. We also reserve the right to negotiate with all respondents to the RFP and reject any or all offers and discontinue this RFP process without obligation or liability to any respondent.

Cost of Proposals

SLLS will not pay any costs associate with preparing proposals in response to this RFP.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Did FEMA turn you down for not proving you own your home? FEMA can still help you even if you do not have official papers to show that you own your home, or have paperwork to prove you were living in your home near the time of the disaster.

FEMA usually asks for you to provide at least one of these:

  • The deed or deed of trust to the property
  • Bond for deed
  • Quitclaim deed
  • Bill of sale
  • Will or Affidavit of Heirship
  • A mortgage statement or escrow analysis
  • Homeowners or flood insurance documents, payments records, or bill
  • Property tax receipt or bill
  • Manufactured home certificate or title
  • Court documents about who owns the property
  • A letter from a public official
  • Receipts from major repairs or improvements within the last five years
  • Statement from trailer park owner that includes how they know you owned the trailer (like they had your ownership documents on file before the disaster)

If you do not have these papers, there are steps you can take to work with FEMA.

You can write something called “a Self-Declarative Statement.” It swears that you own the property. It explains why you do not have the paperwork FEMA asked for to show that you own your home. It must say that you are saying everything in it “under the penalty of perjury.” The words “under penalty of perjury” make it a crime for you to lie in the statement.

How do I write a Self-Declarative Statement?

The Self-Declarative statement must include these things:

  • Every page must have your FEMA claim number and the disaster number. Hurricane Ida is Disaster Number 4611.
  • It must list the address of your damaged home.
  • It must say how long you lived in your home before the disaster.
  • It must have your printed name.
  • It must have your signature.

The following is a sample Self-Declarative Statement. It has places to check off items or fill in information for your situation:

“I have made a good faith effort, in coordination with FEMA, to obtain and provide a copy of acceptable ownership documentation. I do meet FEMA’s definition of an owner-occupant because I: [initial all that apply]

____ am the legal owner of the home,

____ pay no rent but am   responsible for the payment of taxes or maintenance for the home, or

____ have a lifetime right to live in the home under a will or inheritance or ________.

I was unable to obtain this documentation because:

[provide an explanation of why other documents listed above were not available].

I hereby declare under penalty of perjury that the foregoing is true and correct.”

[sign your name and the date]

If the property was inherited, instead of the three options to check off above, include, if true:

“As the nearest relative of the deceased in the line of succession, my ownership includes all the rights and obligations of the deceased.  The decedent’s name is ______, who died on _______. I hereby declare under penalty of perjury that the foregoing is true and correct.”

[Sign your name and the date]

If the property was inherited and you are not the nearest relative, include a similar substitute paragraph explaining how you came to inherit the property.

If the home is a trailer:

Include a signed statement from the commercial or mobile home park owner if you can.

For more information:

FEMA’s policy document about this is posted at https://www.fema.gov/sites/default/files/documents/fema_iappg-policy-amendments-memo.pdf

FEMA’s own staff often forget about this 2021 policy change.

Proving occupancy instead of ownership:

If you are attempting to establish that the property was your home at the time of the disaster (occupancy), not ownership, your statement should be something like this:

I have made a good faith effort, in coordination with FEMA, to obtain and provide a copy of acceptable occupancy documentation.  I was unable to obtain this documentation [provide an explanation of why you could not get documents FEMA requests or how the documents you could get did not meet FEMA’s requirements].

I hereby declare under penalty of perjury that the foregoing is true and correct.

[Sign your name and the date]

Do you need help proving that you owned or lived in your home?

Someone experienced in dealing with FEMA can help. If you went through Hurricane Ida, you might be able to get free legal help from Southeast Louisiana Legal Services.

To see if you qualify for free legal aid from Southeast Louisiana Legal Services, call our Disaster Legal Services Hotline at: 1-800-310-7029, or apply at our website www.slls.org/get-help/client-services.

For More Information

https://www.fema.gov/sites/default/files/documents/fema_iappg-policy-amendments-memo.pdf

Brief Overview

Southeast Louisiana Legal Services (SLLS) seeks the services of a technology consultant to assist in using publicly available data and technology to improve the way that SLLS coordinates its outreach efforts. The disaster data-driven outreach project involves two components: (1) the development of a disaster data dashboard, and (2) designing a more efficient, technology-enabled business process for coordinating outreach by staff and volunteers.  This project will provide the data needed to create a robust outreach strategy to increase disaster victims’ awareness of and access to SLLS services.

Introduction to SLLS

SLLS provides free legal assistance to indigent and other vulnerable people who cannot afford to hire a lawyer. We protect their livelihoods, health, housing and families. Through legal representation, we are able to assure fairness for our clients as they navigate through the civil justice system. SLLS works to combat the inequities and disproportionate impacts faced by marginalized communities of color. We are the largest nonprofit civil legal services provider in Louisiana serving 50% of the state’s poverty population in twenty-two parishes across southeast Louisiana. Pre-pandemic, Louisiana had the third highest poverty rate in the United States, the second highest rate of women killed by their intimate partner, the highest rate of mass incarceration in the world disproportionately impacting marginalized communities, was consistently noted as one of the unhealthiest states, and had the second highest rate of food insecure seniors. We have been struck by ten presidentially declared natural disasters since 2005’s catastrophic Hurricane Katrina, the BP Oil Spill, and the people we serve have been particularly hard-hit by the impact of COVID-19 due to our economic reliance on the hospitality and oil and gas industries and Hurricane Ida.

Pre-pandemic, SLLS had about 100 team members on staff. We now have about 165 staff working from seven offices, staff embedded onsite with other partners such as hospitals, medical clinics, homeless shelters, domestic violence victim service centers, community colleges, and robust pro bono partnerships. We have almost 100 different funding sources though LSC funding is about 45% of our budget with another almost 30% from the Louisiana Bar Foundation.

REQUEST FOR PROPOSALS

Purpose of RFP

SLLS seeks an independent technology consultant to assist in creating a streamlined technology solution for accessing all publicly available FEMA and Census data to guide SLLS outreach post-disaster. The consultant will also design and implement an efficient, technology-enabled business process for staff and volunteers to coordinate outreach services using the technology solution.

Deliverables

In this two-pronged role, the consultant we are seeking will have primary responsibility for creating a streamlined technology solution for accessing publicly available data to guide SLLS outreach efforts. The consultant will then assist SLLS in designing and implementing a business process for staff and volunteers to effectively utilize the solution and coordinate their efforts.

Disaster Data Dashboard

The consultant will have primary responsibility for creating a technology solution for accessing and compiling all public data supporting disaster outreach. We are seeking a geographic information services (GIS) dashboard combining publicly available FEMA and Census/ACS data to guide SLLS decision-making on outreach efforts post-disaster.

FEMA provides API services for data related to its Individuals and Households Program (IHP). Updated daily, this data includes the following fields by zip code and disaster that can support a more targeted outreach strategy: number of FEMA applications, number of valid FEMA applications, number of applications found “eligible” for the IHP, Housing Assistance, and Other Needs Assistance programs, number of inspections issued, and open DRC locations. Combining these FEMA data services with other community data on disabilities, homeownership and renter-ship, and other relevant demographics can help SLLS identify particularly vulnerable areas of need.

Other important data on the number of FEMA denials and reasons for denials is not readily available. Therefore, part of this project may also include advocating for those additional data sets to be shared, in order to help legal aid partners more accurately assess needs and identify disparities in recovery. Once developed, this data dashboard can be used by all legal aid organizations across Louisiana.

Outreach Business Process Improvement

Once the data solution is developed, the consultant will then assist SLLS in designing and implementing a business process for staff and volunteers to effectively utilize the solution to coordinate their efforts. This portion of the project will focus on improving the way SLLS staff members coordinate outreach efforts among themselves and volunteers. Currently, the work to coordinate staff and volunteer attendance at regularly scheduled and stand-alone outreach events is time consuming and inefficient. Largely relying on email, staff can lose track of who is set to go where in the flurry of post-disaster outreach events.

In tandem with the disaster data dashboard, a more streamlined coordination and scheduling process will reduce frustration among staff and improve the way we conduct outreach in the aftermath of natural disasters. We seek a consultant who can thoughtfully design, implement, and train SLLS staff in an efficient, technology-enabled business process for utilizing the data dashboard and coordinating and scheduling staff and volunteer disaster outreach activities.

Proposal Requirements

SLLS seeks proposals in this matter that do not exceed five pages inclusive of three references.  We request that all proposals include information on the applicable experience of the potential consultant especially in technology consultation work for comparable non-profit organizations.

Cost

Interested consultants can submit a cost proposal on an hourly rate with an estimate of hours needed to complete tasks or by using a project-based method. Please propose a payment schedule for your work under the project. Finally, SLLS requests that all candidates are prepared to provide a proposed contract for this project.

Inquiries/Contact Information

Questions about this RFP may be directed to Laura Tuggle, SLLS Executive Director, at (504) 529-1000 ext. 270 or ltuggle@slls.org

Timeline

  • Issue RFP: 1/27/2023
  • Proposals Due: 2/19/2023
  • Award of Contract: On or by 2/28/2023
  • Project Implementation: 3/1/2023-6/30/2023 (May Be Extended as Needed)

Proposal Delivery and Due Date

Proposals are due on or before 2/19/2023.  Delivery of proposals should be made electronically to Heidi Bergeron at hbergeron@whiteoakconsult.com with “SLLS Disaster Data-Driven Outreach Project” in the subject line, pdf preferred.  If you have large file size items, please provide a file sharing link with instructions for accessing the proposed materials

Evaluation Criteria and Award of Contract

SLLS may elect to schedule a conference call with potential consultants prior to awarding a final contract. Please include contact information for scheduling purposes in the RFP.

Proposals will be evaluated upon the contractor’s responsiveness to the RFP, qualifications, demonstrated experience with similar projects, and total price quoted for all items covered by the RFP. Award of the contract resulting from the RFP will be based upon the most responsive contract that is most advantageous to SLLS in terms of cost, functionality, experience, and quality of past work.

SLLS ideally seeks a firm that understands its needs as a nonprofit and legal services organization and is invested in our missions of achieving justice and social change by fighting poverty.

SLLS reserves the right to accept or reject any and all proposals and to waive any minor discrepancies or technicalities in the proposal or specifications, when deemed to be in the best interest of SLLS. We also reserve the right to negotiate with all respondents to the RFP and reject any or all offers and discontinue this RFP process without obligation or liability to any respondent.

Cost of Proposals

SLLS will not pay any costs associated with preparing proposals in response to this RFP.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Everyone getting SNAP will get lower payments starting March 1, 2023. Keep reading to find out what to do to make sure you get everything you should.

How Much SNAP Will I Lose?

Most households will lose at least $95.00 per month. Your household may lose less or more than $95.00 in March.

Many elderly people on Social Security  will remember getting only $20 in SNAP before the pandemic. Most of these people will return to getting only $20, unless they can claim new expenses, mentioned below.

Most other people will get a little more than what they got in 2019 unless they have or can report changes to the agency.

What Should I Do Now?

Make sure DCFS has up to date information about your income and bills. During the COVID emergency, DCFS may have given you extra SNAP without getting all of the paperwork and information it usually needs.

Act now to give DCFS the right information about your income and expenses. This can help make sure you get the right amount of SNAP in the future. Do not wait. DCFS may be busy and hard to reach once SNAP lowers in March 2023.

The items listed below can make your SNAP amount go up or down. The list says what information DCFS may need for each item:

  • How much each person earns or gets in benefits (paperwork may be pay stubs, W-2 forms, income tax returns, employers’ statements, award letters about disability benefits).
  • Money spent on child care so you can work (paperwork could be things like bills for child care).
  • Money above $35.00 in medical costs paid to care for older or disabled household members (paperwork may include medical bills).
  • Child support you pay (paperwork may include wage withholding statements and court orders).
  • Rent or mortgage costs (paperwork includes things your lease or promissory note).

There are websites that can help you figure out how much your SNAP amount should be. Use only trustworthy sites. Here is a site you can use: http://www.nolafoodpolicy.org/snapcalculator.

DCFS will send letters in early February telling you how much you will lose in March.

How Do I Give DCFS My New Information?

You can send documents through DCFS’ online LA CAFÉ system. You can use this online system at this website: https://sspweb.ie.dcfs.la.gov/selfservice/selfserviceJSPController?id=0.1772418717047336&tab=1.

The site will ask you to log into your LA CAFÉ account. If you do not have an LA CAFÉ account, you will need to set one up. You will need to create an LA CAFÉ profile and link your SNAP case. Once you log into LA CAFÉ, the site will show you how to upload your paperwork for DCFS.

You can also send your paperwork to DCFS by mail, fax, or by visiting any DCFS office in person. Keep copies of any paperwork you send to DCFS!

DCFS’ mailing address is:

Department of Children and Family Services ES
Document Processing Center
P.O. Box 260031
Baton Rouge, LA 70826

DCFS’ fax number is 225-663-3164.

Be sure to include your Case ID number or Social Security Number (SSN) on every page so DCFS can match your paperwork to your case.