COVID-19 RESOURCE INFORMATION

We know that in these uncertain times, many of us have been affected in different ways. Liberty Church Leadership, along with members of our community, have put together a list of resources and information that we hope will, at the very least, offer some guidance if you have been affected financially by this global pandemic. If you need any additional assistance or have questions, please contact us at the church office by calling 478.275.0175 or email us using the form below.

I find myself unemployed due to the Corona Virus impact. How do I start the unemployment process in the state of Georgia?

Visit the Ga. Department of Labor website here. An online application is available.

What should I do if I am unable to make a credit card payment?

You should proactively contact your credit card company directly. Many are allowing partial or deferred payments. A customer care number should be available on your monthly statement. Be prepared with your account number prior to calling for faster service. It is recommended that you have them send you a confirmation email of your discussions and agreed upon payment plan.

What should I do if I am unable to make a loan payment?

Federal bank regulators are encouraging banks to work with borrowers in a variety of ways including deferring or skipping payments. You should contact your bank as soon as possible to discuss your options.

I own a small business and may need assistance financially to continue to operate. Does the governement offer any business disaster relief options?

There are assistance options available depending upon the circumstances. An online application is available at the Small Business Administration website here. You may also qualify for a Payroll Protection Loan. Please see information regarding that offering on this list as well.

Will my utilities be disconnected if they are not paid on time due to the Coronavirus hardships?

Many utility companies are delaying the disconnection periods due to the hardships incurred recently. Click the link here from the Public Service Commission on participating companies and details. If you do not see your company listed, proactively call them using the customer service number shown on your bill. Be prepared with your account number prior to calling for faster service. It is recommended that you have them send you a confirmation email of your discussions and agreed upon payment plan.

Will I be able to file my taxes later than April 15th this year due to the Coronavirus impact?

Yes, the federal government has extended the income tax filing deadline out to July 15th for this year. An extension is not required to be filed unless you don’t file by July 15th.

Has Georgia also extended the tax deadline to match the IRS?

Yes, Georgia has approved automatically extending the income tax filing and payment deadline to July 15th.

I am expecting to receive a tax refund, am I able to file now since the deadline has been extended?

Absolutely, tax preparers are still preparing tax returns and President Trump encouraged everyone to file their return by April 15th if they are expecting a refund.

I am expecting to owe taxes with my return. Am I able to pay those taxes by July 15th or are those still due on April 15th?

Yes, the payment deadline was extended along with the filing deadline. Penalties and interest will begin to accrue on April 16th.

My vehicle registration is due how do I need to handle renewing my car tag?

Vehicle registrations that expire between March 16, 2020 and May 14, 2020 have been extended through May 15, 2020. You can also renew those by mail if you received a renewal notice in the mail.

Are there places that I can go to that will provide me access to the internet for no charge while practicing physical distancing?

Yes, the Governor’s office is working with local providers across the state to offer free “drive up” internet access across the state. Please check the website shown for the most up to date locations.

Will I be eligible for the Covid-19 stimulus checks from the federal government?

There are restrictions, but over 96% of Americans do qualify. Please see the website here for details on qualifications and payment amounts.

If I am having difficulties paying my auto payment, what are my options?

Most auto manufacturers are offering deferrals from 2 months to 6 months on monthly payments due to financial hardships. This means that you could potentially have the option to not make payments for a few months and then add those payments to the end of your financing contract. A customer care number should be available on your monthly statement. Be prepared with your account number prior to calling for faster service. It is recommended that you have them send you a confirmation email of your discussions and agreed upon payment plan. It is likely that they will request a “hardship letter” from you to explain your need to defer your auto payments.

I am having difficulties paying my student loans. Is there any immediate assistance to help with paying them?

The federal government passed a “Cares” act that offers assistance for several types of federal student loans. The act allows for a 6 month pause in payments as well as an interest waiver for the same 6 months. Please see the website here for additional details.

I have heard about a new Emergency Paid Sick Leave law. Am I entitled to being paid for being out of work due to the Covid-19 virus?

There are certain qualifications to receive the pay. Please view the website here to see if you meet the requirements of the new law.

I am late on paying my house mortgage. Are there any options due to hardships financialy from the Covid-19 virus?

Numerous mortgage lenders have said they are willing to work with borrowers. This may include suspending payments or lowering them each month for the near future. Many lenders have suspended foreclosures and evictions for the short term. Contact your mortgage lender and ask if your loan is a “Fannie Mae” or “Freddie Mac” loan. If so, you should qualify for assistance with your loan payment structure.Be prepared with your account number prior to calling for faster service. It is recommended that you have them send you a confirmation email of your discussions and agreed upon payment plan.

As a small business, where can I learn more about payroll and other expense loans from the SBA. Essentially, what is the "Paycheck Protection Program" and how does it work?

This is a new program designed to assist small business owners financially for payroll and other limited expenses. It is structured as a loan but part or all of the loan may be forgiven if the loan proceeds are used for certain purposes. Please visit the program overview on the website here. Also contact your local banker as these loans are being processed by SBA Lenders.

Is there a checklist or guide that I can use for my business to help navigate me through what is being offered by the government to assist me from a business perspective?

Please visit the United States Chamber of Commerce “Small Business Guide and Checklist” for Corona Virus Emergency Loans – Click Here.

I see my 401(k) balance has decreased significantly. Should I sell my investments or change my allocations?

Generally no, you should generally hold your positions because if you were to convert those investments to cash at a loss, you will lose any rebound that occurs after you sell. Most financial experts expect the downturn to continue in the near turn but agree that markets will recover over the next few months.

Has the IRS extended quarterly estimates for 2020?

Yes, the IRS has extended the first quarter estimates and are now due on July 15, 2020, however, the second quarter estimates are still due on June 15, 2020.

I don't file a tax return due to only receiving social security. Will I receive a stimulus check from the government?

Yes, the benefit available not only to those who have filed taxes, but also those who receive Social Security benefits as long as they’ve received their SSA-1099 form for 2019.