To file a Consumer Complaint online, please visit the New Jersey Division of Consumer Affairs website.
Make sure to explain the complaint in detail by providing information about the problem and who is involved. Always include the name and current address of the business, and it is always helpful to provide photocopies of documentation pertaining to the issue.
Please Note: Any information you provide may be subject to public disclosure pursuant to New Jersey’s Open Public Records Act. If an investigation into the matter is conducted, the information is subject to public disclosure only after the completion of the investigation. The Division recommends that you not submit sensitive personal information on these online forms.
- The Home Energy Assistance Program (LIHEAP) assists low-income residents with their heating and cooling bills, and can provide emergency fuel assistance under certain circumstances.
- The Universal Service Fund (USF) lowers the bills for low income customers by providing a credit on natural gas or electricity.
Please Note: The FY 2016 LIHEAP application is also an application for the Universal Service Fund Program (USF), so you can apply for two benefit programs at the same time. USF is a program created by the State of New Jersey to help make natural gas and electric bills more affordable for low-income households.
Please visit the Energy Assistance page at the New Jersey Department of Community Affairs website for more information on the LIHEAP and USF programs, including local agencies where you may apply.
- New Jersey SHARES is a non-profit corporation established to provide temporary assistance to residents who do not qualify for other types of assistance and are experiencing a financial hardship. The program can assist with up to $700 for a heating bill and up to $500 for electric service, or up to $700 for electrically heated homes.
To learn more please visit the NJ Shares website.
- The Temporary Relief for Utility Expenses (TRUE) and the Payment Assistance for Gas and Electric (PAGE) programs are annually funded by the New Jersey Board of Public Utilities and provide grants to assist low to moderate income families with their energy bills. The programs are administered by the Affordable Housing Alliance (AHA).
Our office is an official intake partner for the Affordable Housing Alliance and will work with you on your application submission. Please contact our office at 856-251-9801 (West Deptford) or 856-339-0808 (Salem) for additional assistance. The application form can be accessed here, along with eligibility requirements information. The application is also available at the NJ Power On website. You may also call 732-982-8710 to reach the AHA directly.
If you need additional information on any of these programs or are having difficulty in applying, please contact our office.
If you need assistance with your mortgage company and have received pre-foreclosure or foreclosure notices, you can contact a governmental or non-profit entity that may be able to provide counseling and financial assistance.
Please visit the Financial Counseling Organizations page of the Department of Banking and Insurance website for agency contact information.
The Property Tax Reimbursement Program, also known as the “Senior Freeze,” reimburses residents who are seniors or disabled, for property tax increases on their homes if they meet the eligibility requirements. If you are a first time applicant, please contact our office for an application.
The Homestead Benefit Application offers property tax relief to eligible homeowners. For the most recent 2013 Homestead Benefits application, homeowners must report $75,000 or less in gross income or $150,000 or less for those 65 or older or disabled.
Both of these programs must be reapplied for each year and are subject to changes by the state budget. For more information, please visit the Property Tax Relief page on the Department of Treasury website or contact our office. You may also check the status of your application by visiting the Taxation website.
New Jersey has a variety of programs created to assist eligible residents in receiving needed medical care and services. There are varied income and asset limits for most of these programs. New Jersey EASE (NJ EASE) is the State initiative to provide consumers with services, which are more accessible, responsive and appropriate to their needs. Instead of contracting many agencies, through NJ EASE you dial just one toll-free telephone number and receive information about programs and services for your particular needs and circumstances. This nationwide toll-free telephone number is 1-877-222-3737.
The Pharmaceutical Assistance to the Aged and Disabled (PAAD) program is a state program to pharmaceutical assistance to the aged and those disabled. The program continues to provide state-funded prescription assistance to nearly 143,000 New Jersey residents.
The State of New Jersey offers a prescription discount program, Senior Gold. The Senior Gold Prescription Discount Plan makes available prescription coverage to residents who are ineligible for the Pharmaceutical Assistance for the Aged and Disabled (PAAD) program.
Senior Gold benefits help to make Medicare prescription drug coverage more affordable by reducing any other out-of-pocket costs associated with that coverage, such as deductibles, co-insurance, and the coverage gap known as the “donut hole.”
Applications are available from Senior Gold, local pharmacies, senior centers or the County Office on Aging, or online. For more information, including annual income limits, please contact Senior Gold toll-free, 1-800-792-9745 or at the Senior Gold website.
To apply, a universal application for PAAD, Senior Gold and other special benefit programs must be completed. Application forms can be found at senior citizen centers, Medicaid offices, local pharmacies or the Area Agencies on Aging, or online.
If you would like to start a business in New Jersey, there are a number of resources and support services that have helped hundreds of successful business owners.
The New Jersey State Bar Foundation publishes a guide entitled “Starting and Succeeding with a New Business: A Primer for the New Entrepreneur,” which offers an introduction on many topics, such as the importance of a business plan and hiring practices.
The New Jersey Business Portal is a one-stop shop for learning about financing programs and employee training grants, as well as information on the sales tax, licenses, and permits.
The New Jersey Economic Development Authority is an independent state agency that provides access to loans and other financing for business expansion and redevelopment projects.
The Small Business Development Center at Rutgers-Camden offers numerous support services, business consulting, and educational workshops. The center may also be reached at 856-225-6221.
Please contact our office with any questions or concerns.
To apply online through NJ FamilyCare, New Jersey’s publicly funded health insurance program, please visit their website to download an application or call 1-800-701-0710 to request that an application be mailed to you.
You can also apply at your local County Welfare Agency:
- Gloucester County Division of Social Services: 856-582-9200
- Cumberland County Board of Social Services: 856-691-4600
- Salem County Board of Social Services: 856-299-7200
To file an unemployment claim, you may file online by visiting the Unemployment Insurance Benefits page of the Department of Labor and Workforce Development website or by calling the Cumberland Call Center at 856-507-2340, if you are a resident of this district.
You should always file as soon as possible after you become unemployed as no benefits will be paid for any weeks until your claim is filed. It is important to follow all instructions carefully to ensure you remain qualified to receive benefits.
In the event that you are determined ineligible to receive benefits, you have the right to file an appeal. The written appeal must be filed within ten days after the mailing of the determination. As you await an Appeal Tribunal Hearing, you must claim your weekly benefits online or over the phone to receive “credit” for the weeks that you are claiming.
If you have already filed a claim and are having difficulty communicating with the New Jersey Department of Labor, please contact our office.
NJHelps is a free and easy online guide that asks questions about your household, income, and expenses to determine programs and assistance for which you and your family may be eligible. It will tell you where to go for help, what to bring with you, and can also provide contact information and links to helpful resources.
Please Note: NJHelps cannot guarantee that you qualify for these programs. You must still apply for assistance by contacting and completing the required forms for each program.
New Jersey HealthLink, found at http://www.nj.gov/njhealthlink, is a healthcare consumer information website that serves adults, children, senior citizens, individuals with disabilities, and uninsured or under insured individuals.
This free website provides instant-access to valuable healthcare information and health related programs. You will find details about services and eligibility, as well as contact names and phone numbers. The website is easy to use and allows you to search using the search engine, the A-to-Z list, or by general topic area.