Credit Repair and Financial Recovery for Single Mothers in Nevada

Last updated: September 2025

Quick Help Box

In a shutoff/eviction crisis: Call Nevada 211 at 2‑1‑1 for same‑day referrals and current intake hours, or use the online directory at Nevada 211 resource search. As of July 1, 2025, live agents answer Monday–Friday, 9:00 a.m.–9:00 p.m. PT. (nevada211.org)
Utility disconnect notice: Apply to the state’s Energy Assistance Program (EAP) and ask for the Fast‑Track option if you have a disconnect notice. Southern office (702‑486‑1404), Northern office (775‑684‑0730). Forms and email submission are on the state site: Energy Assistance Program – Apply. (dwss.nv.gov)
Immediate debt/collector harassment: You can tell a collector to stop calling. Nevada limits wage garnishment to 18% (if gross weekly wage ≤ $770 * *) or * * 25$ 770), or the amount above 50× the federal minimum wage—whichever is less. See the state law and contact free legal help below. (nevada.public.law)
Unemployment just ended or hours cut: Nevada’s maximum weekly unemployment benefit is $631 for claims effective July 1, 2025. File with DETR and keep weekly certifications current. (nevadaworkforce.com)
Food money fast: Apply for SNAP at ACCESS Nevada. FY2025 max SNAP for a family of 3 is $768 * * an df or 4 i s * *$ 975 through Sept. 30, 2025. (dwss.nv.gov, fns.usda.gov)
Talk to a trusted nonprofit counselor: Money Management International (NFCC member) offers Nevada credit counseling, Las Vegas office (702‑364‑0344) and 24/7 toll‑free (866‑550‑8004). (moneymanagement.org)

Emergency Actions (first 24–72 hours)

Document everything: Keep your disconnect/eviction notices, paystubs, and any collector letters in one envelope or phone folder. Why this matters: EAP Fast‑Track and eviction diversion programs require proof of urgent need. (dwss.nv.gov)
Stabilize housing and utilities first:
- Clark County Social Service offers financial help checks payable to landlords/utilities; base maximum is $400/ m o n t h f or 1 p erso n +$ 135 per additional person, once every 12 months unless exceptions apply. Apply by mail/fax/in‑person—see county page for forms and contacts (702‑455‑4270). (clarkcountynv.gov)
- Washoe County Rental & Deposit Assistance Program phone (775‑328‑2700). (washoecounty.gov)
Call 2‑1‑1 for local slots: If county funds are paused, 211 can find church/nonprofit stopgaps same day. (nevada211.org)
Protect your paycheck: If a collector threatens garnishment, know Nevada’s caps (18%/25% rule) and ask for a payment plan in writing. If sued, answer the summons—Nevada Legal Services can help (Las Vegas 702‑386‑0404; Reno 775‑284‑3491; statewide 866‑432‑0404). (nevada.public.law, nevadalegalservices.org)
Check your credit reports: Get them free every week at AnnualCreditReport.com (permanently). Dispute errors fast. (consumerfinance.gov)

Credit Repair, Step‑by‑Step (Nevada‑specific)

Table 1. Credit Repair Sprint Plan (30–90 days)

Week	What to do	How long to see impact
Days 1–3	Pull all three reports free and freeze your credit (you can lift for new credit later). Use AnnualCreditReport and each bureau’s freeze portal.	Score impact from freezes: none; disputes can start raising scores within 30–45 days after resolution. (consumerfinance.gov)
Days 4–7	Dispute clear errors (wrong balances, not your accounts, duplicate collections). Use online dispute or certified mail with proof.	Investigations usually complete within 30 days.
Week 2	Triage collections: medical under $500 should not be reported; ask for deletion if it appears. For other collections, ask for a “pay‑for‑delete” in writing.	Deletions can post in 30–60 days after payment/verification; results vary.
Week 3	Lower utilization: if you can, pay cards down to under 30% of limit (under 10% is ideal).	Statement cycle to next 30–45 days.
Week 4	Add positive data: secured card or credit‑builder loan; add on‑time phone/utility rent reporting where available.	1–3 months of on‑time history.
Months 2–3	Keep disputes moving; set autopay for minimums; avoid new hard inquiries unless for housing/auto need.	Ongoing—steady improvement.

Note: Use nonprofit help before signing with any “credit repair” company. Nevada treats these firms as Credit Service Organizations (CSOs)—they must register with the state and give a 5‑day right to cancel in a written contract. You can check registration and file complaints with the Division of Mortgage Lending. (mld.nv.gov, leg.state.nv.us)

Know your Nevada rights

Equal access to credit: Nevada bans credit discrimination based on race, religion, disability, national origin, sex, sexual orientation, gender identity/expression, or marital status. (leg.state.nv.us)
Credit repair firms: Must register with the state before operating; contracts must be in writing, disclose your 5‑day cancellation right, and meet other strict requirements. Report unregistered operators to the Division of Mortgage Lending. (mld.nv.gov, leg.state.nv.us)
Debt collectors: Nevada licenses collection agencies and bans abusive practices; time‑barred debts can’t be sued on after Nevada’s statute of limitations (e.g., 6 years for written contracts, 4 years for non‑written agreements). (leg.state.nv.us)
Your paycheck: Garnishment is capped at 18% or 25% depending on weekly gross, or the amount above 50× federal minimum wage, whichever is less. Child support and taxes have different caps. (nevada.public.law)

Table 2. Nevada Protections Snapshot

Topic	Nevada rule	Who to contact
Wage garnishment	18% if gross weekly wage ≤ $770; 25$ 770; or amount above 50× federal minimum wage—whichever is less	Legal help: Nevada Legal Services (Las Vegas 702‑386‑0404 / Reno 775‑284‑3491) (nevada.public.law, nevadalegalservices.org)
Statute of limitations on debt	6 years written contracts; 4 years non‑written	NRS 11 chapter overview (leg.state.nv.us)
Homestead protection	Up to $605,000 equity in a primary residence shielded from most creditors	NRS 115.010 (nevada.public.law)
Minimum wage	$12.00/hour statewide (one tier) effective July 1, 2024	Nevada Labor Commissioner (business.nv.gov)

What to do if this doesn’t work

Escalate disputes: File complaints with the CFPB for credit report errors and Nevada Attorney General Consumer Affairs for scams (844‑594‑7275). (consumerfinance.gov, consumeraffairs.nv.gov)
Get a plan: Ask an NFCC counselor about a Debt Management Plan that lowers interest and stops fees. Local: MMI 702‑364‑0344. (moneymanagement.org)

Trusted Help (avoid scams)

Nonprofit credit counseling: Money Management International (MMI) – Las Vegas **(702‑364‑0344; 24/7 toll‑free 866‑550‑8004). NFCC’s national finder: 800‑388‑2227 or Find an NFCC agency. (moneymanagement.org, nfcc.org)
Legal help:
- Nevada Legal Services (Las Vegas 702‑386‑0404; Reno 775‑284‑3491; statewide 866‑432‑0404). NLS contact page. (nevadalegalservices.org)
- Legal Aid Center of Southern Nevada (702‑386‑1070). LACSN contact. (lacsn.org)
State regulators & complaints:
- Division of Mortgage Lending (complaints about credit service orgs): How to file. (mld.nv.gov)
- Nevada Consumer Affairs (844‑594‑7275) for general consumer issues: File a complaint. (consumeraffairs.nv.gov)

Income Lifelines That Build Credit Back

SNAP (food benefits)

Why this matters first: Freeing up food dollars lets you pay utilities and minimums on time, which protects credit.
How much: Federal FY2025 maximum SNAP for the 48 states/DC (through Sept. 30, 2025): household of 1 $291 * *, 2 * *$ 535, 3 $768 * *, 4 * *$ 975, 5 $1, 155 * *, 6 * *$ 1,386, 7 $1, 532 * *, 8 * *$ 1,751. Minimum benefit is $23 * * . A sse tl imi t s a re * *$ 3,000 (most households) or $4,500 if someone is 60+ or disabled. (fns.usda.gov)
Apply & manage: Use ACCESS Nevada. (dwss.nv.gov)
Eligibility notes: Standard federal tests apply (gross income, net income, deductions). Nevada DWSS processes expedited cases in as little as 7 days when you meet hardship criteria. (fns.usda.gov)
Plan B: Check local pantries via Nevada 211 food search. (nevada211.org)

TANF cash aid (DWSS/DSS)

Start here: Apply at ACCESS Nevada and ask about TANF‑NEON, Child‑Only TANF, the Self‑Sufficiency Grant (one‑time) and TEMP (up to 4 months). (dwss.nv.gov)
How much: Nevada’s Payment Allowance (maximum when there’s no countable income) commonly used amounts are:

Table 3. TANF Payment Allowance (typical maximums)

Household size	Monthly payment allowance
1	$253
2	$318
3	$383
4	$448
5	$513
6	$578
7	$643
8	$708

Source: Nevada kinship/TANF reference table maintained by Foster Kinship. Your caseworker calculates the exact grant after budgeting any countable income and allowable disregards. (www2.fosterkinship.org)

Other TANF options:
- Self‑Sufficiency Grant (SSG): one‑time lump sum to meet an immediate need to keep or start work (accepting SSG can pause TANF months for a period).
- TEMP: up to 4 months for a short‑term episode of need.
- Loan: repay when your anticipated income arrives.
  See DWSS TANF pages for definitions and rules. (dwss.nv.gov)
Documents to gather: ID, SSNs, income proof (last 30 days), lease/utility bills, child support orders, childcare costs. See DWSS TANF FAQ for need/payment standards and budgeting rules. (dwss.nv.gov)
Timeline: An eligibility decision is typically made within 45 days (faster for SSG/TEMP when approved). (dwss.nv.gov)
Plan B: If TANF is not a fit, ask about Child‑Only TANF or Kinship Care benefits (example payments up to $418-$ 463 per child by age and household composition). (dwss.nv.gov)

Energy Assistance Program (EAP – LIHEAP/UEC)

Action first: If you have a shutoff/urgent bill, call EAP offices and request Fast‑Track or Arrearage Payment assistance (if funding and criteria met).
- South Las Vegas: 702‑486‑1404
- North Carson City: 775‑684‑0730
  EAP Program Offices and Intake Sites. (dwss.nv.gov)
Eligibility: FY2025 monthly gross income limits include: 1 $1, 882.50 * *, 2 * *$ 2,555.00, 3 $3, 227.50 * *, 4 * *$ 3,900.00, 5 $4, 572.50 * *, 6 * *$ 5,245.00 (add $672.50 per person). Benefits are generally a one‑time annual credit paid to your utility. (first5nevada.org)
Apply: Submit by email, mail, drop box or intake site. Download forms or request by phone at the EAP Apply page: Energy Assistance – Apply. (dwss.nv.gov)
Special components: Fast‑Track for unexpected 15% income loss and pending disconnect; Arrearage Payment to bring past‑due balances current once every five years, funding permitting. (dwss.nv.gov)
Table 4. FY2025 EAP Monthly Income Limits

Household	Max gross monthly income
1	$1,882.50
2	$2,555.00
3	$3,227.50
4	$3,900.00
5	$4,572.50
6	$5,245.00
+ each add’l	+$672.50

Source: First 5 Nevada summary of Nevada EAP FY2025 thresholds. Confirm with EAP if close to the limit. (first5nevada.org)

Plan B: Ask your utility about company hardship programs; also search “utility assistance” on Nevada 211. (nevada211.org)

Unemployment Insurance (DETR)

How much: Up to $631/week maximum weekly benefit for claims effective July 1, 2025 (50% of the state’s average weekly wage, rounded down). (nevadaworkforce.com)
How it’s computed: Nevada typically bases WBA on your highest‑paid quarter. Keep filing weekly and report any earnings. (detr.nv.gov)
Table 5. Nevada UI Snapshot

Item	Current info
Maximum Weekly Benefit Amount	$631 (effective July 1, 2025)
Average paid benefit (recent months)	About $485/week average (May 2025 briefing)
Where to start	DETR UI Benefits info

Sources: DETR Research & Analysis memo; DETR benefits overview; monthly labor briefings. (nevadaworkforce.com, detr.nv.gov)

Plan B: If ineligible, ask JobConnect/EmployNV about training and re‑employment services while you stabilize income.

Housing, Rent, and Homeownership Paths

Find affordable rentals: Statewide locator at NVHousingSearch.org with a phone help line 877‑428‑8844. (nvhousingsearch.org)
Local assistance highlights:
- Clark County Social Service financial help for rent and utilities; see details and applications, phone 702‑455‑4270. (clarkcountynv.gov)
- Reno Housing Authority rental assistance and emergency vouchers; main line 775‑329‑3630 ext. 5; email section8@renoha.org. (renoha.org)
- Washoe County Rental & Deposit Assistance 775‑328‑2700; county housing resources page has links to legal aid and ERA programs. (washoecounty.gov, washoecounty.gov)
Homebuyer help when you’re ready:
- Home Is Possible down‑payment assistance up to 4% of the loan amount; county‑specific income and purchase price limits (e.g., Clark/Washoe purchase limit commonly $544, 232-$ 656,640; see current list). (homeispossiblenv.org)
- Home First offers $15,000 forgivable (after 3 years) DPA for first‑time buyers meeting credit/income rules. (d9.homeispossiblenv.org)
Protect your home equity: Nevada’s homestead exemption shields up to $605,000 in equity in your primary residence from most creditors; file a Declaration of Homestead and keep proof. (nevada.public.law)
Plan B: If waiting lists are closed, check 211 weekly and get on multiple lists; ask about city eviction diversion calendars (Reno and Las Vegas courts run time‑limited diversion funds/programs). (reno.gov, nevadacurrent.com)

Child Support, Custody‑Related Costs, and Your Credit

Enforce or modify support: Nevada Child Support has customer service lines—Northern 775‑684‑7200, Southern 702‑486‑1646, Toll‑free 800‑992‑0900—and office/portal links on the state site. (dwss.nv.gov)
Credit tip: If arrears cause garnishment, your disposable income drops and debts can snowball. Ask about income‑based orders or temporary modifications if your hours changed. Keep proof of job loss or reduced hours.
Plan B: Seek legal help via Nevada Legal Services or Legal Aid Center to address arrears, custody, or DV safety planning alongside financial aid. (nevadalegalservices.org, lacsn.org)

Taxes and Refund Boosters (refunds can catch up bills)

File free: The IRS Direct File program expands for 2025; IRS lists Nevada among eligible states and estimates ~490,000 Nevadans could use it. Also, IRS Free File (AGI ≤ $84,000) offers guided software. See IRS newsroom for current options. (home.treasury.gov, irs.gov)
In‑person help: AARP Tax‑Aide and VITA sites operate statewide each filing season; find locations at AARP Tax‑Aide Nevada and via IRS partner locators. (nvtaxaide.org)
Plan B: If you owe, ask about an IRS payment plan before accounts go to collections; paying on time protects credit.

When Debt Feels Unpayable: Options in Nevada

Debt Management Plan (DMP): Through NFCC nonprofits (e.g., MMI). One payment; reduced APRs; completion in 3–5 years. Not a loan. (moneymanagement.org)
Debt settlement: Use caution—settled debt can be taxable and can hurt credit short‑term. Get everything in writing.
Bankruptcy: A last resort but can give a clean slate. Nevada exemptions include homestead up to $605,000, vehicle equity, retirement protections, and more; see NRS 21.090 and NRS 115.010. Talk to a legal aid or bankruptcy attorney about Chapter 7 vs 13. (nevada.public.law)
Common Nevada myths: A creditor can’t take your entire paycheck; Nevada’s garnishment caps apply (see Table 2). Time‑barred debts can’t be sued on, though collectors might still contact you—know your rights. (nevada.public.law, leg.state.nv.us)
Plan B: If someone threatens illegal action (e.g., jail for debt), document and report to Nevada Consumer Affairs and the CFPB. (consumeraffairs.nv.gov)

Real‑World Examples

Utility shutoff avoided: A single mom in North Las Vegas with a $650 past‑due power bill and a recent 20% hours cut used EAP Fast‑Track plus arrearage help to clear the balance and received a regular annual credit. She provided 30 days of income, lease, and the disconnect notice—approved within two weeks. (dwss.nv.gov)
From collections to approval: In Reno, a mother of two disputed a duplicate collection, set up a $35/month payment plan on a valid debt, cut card utilization to <30%, and added a secured card. Within 60 days she qualified for a reliable used car with a lower APR. (Strategy steps mirror the Sprint Plan above.)

Quick Reference Cheat Sheet (save/print)

Nevada 211: 2‑1‑1 or nevada211.org—find rent, utility, food, legal, DV help. (nevada211.org)
Energy Assistance Program: South 702‑486‑1404; North 775‑684‑0730; Apply for Energy Assistance. (dwss.nv.gov)
SNAP/TANF applications: ACCESS Nevada online portal. (dwss.nv.gov)
Child Support: 800‑992‑0900 / 775‑684‑7200 (North) / 702‑486‑1646 (South). (dwss.nv.gov)
Credit counseling (nonprofit): MMI 702‑364‑0344 (Las Vegas office) / 866‑550‑8004 (24/7). (moneymanagement.org)
Legal help: NLS 702‑386‑0404 (LV) / 775‑284‑3491 (Reno) / 866‑432‑0404 (statewide); LACSN 702‑386‑1070. (nevadalegalservices.org, lacsn.org)

Application Checklist (use for SNAP, TANF, EAP, rent help)

Photo ID and Social Security numbers for all applying household members.
Proof of income for the last 30 days (paystubs, unemployment, child support received).
Lease or mortgage, utility bills, and any disconnect/eviction notices.
Childcare costs, medical costs (if elderly/disabled household for SNAP deductions).
Bank statements (some programs request to verify resources).
For EAP Fast‑Track: proof of unexpected ≥15% income loss and documentation of the pending shutoff. (dwss.nv.gov)

Diverse Communities

LGBTQ+ single mothers: Ask caseworkers to note chosen name/lived family structure on forms when permitted. Nevada’s Equal Credit Opportunity law bars credit discrimination based on sexual orientation and gender identity—use it if you face bias from lenders. (leg.state.nv.us)
Single mothers with disabilities or with disabled children: SNAP asset limits are higher ($4,500) if someone is 60+ or disabled; ask about medical deductions and disability accommodations for appointments and hearings. (fns.usda.gov)
Veteran single mothers: Check with the VA for SSVF (supportive services for veteran families) and ask Reno/Clark eviction diversion programs about veteran prioritization where available. Local housing authorities list VASH contacts. (renoha.org)
Immigrant/refugee single moms: Some programs are available regardless of immigration status for your children (e.g., SNAP for eligible citizen kids). Ask caseworkers about mixed‑status households; EAP requires lawful presence for the applicant but can count all household members’ income in budgeting. (dwss.nv.gov)
Tribal‑specific resources: If you or your children are tribal citizens, speak with your tribal social services office about Tribal TANF or emergency aid, and check statewide listings on 2‑1‑1 for tribal programs nearby. (nevada211.org)
Rural single moms: Use EAP intake sites listed by the state (Battle Mountain FRC, Ron Wood FRC, etc.) to submit utility applications without long travel. Call ahead for hours. (dwss.nv.gov)
Single fathers: All programs listed apply to kin caregivers and single dads as well; use the same checklists and contacts.
Language access: Ask agencies for interpretive services. Nevada 211, DETR, and DWSS provide bilingual support and translated forms where available. (nevada211.org)

Local Organizations, Charities, Churches

Consolidated Agencies of Human Services (Hawthorne): Rental/utility assistance, EAP help, domestic violence advocate (775‑316‑2917 crisis). (cahsnv.org)
Nevada Free Taxes Coalition and AARP Tax‑Aide: Free tax prep each filing season (helps secure refunds/EITC to catch up bills). See local notices for appointment info. (nvtaxaide.org)

Program Numbers and Dollar Amounts (at a glance)

Table 6. Key Benefits Snapshot (as of Sept. 2025)

Program	Key Nevada numbers
SNAP (through 9/30/2025)	Max monthly: 3‑person *$768 , 4‑ p erso n $ 975; assets $3, 000 * g e n er a l / * $ 4,500* with 60+/disabled
TANF Payment Allowance	3‑person *$383 ; 4‑ p erso n $ 448* (max before budgeting)
EAP (FY2025)	Monthly income max: 3‑person *$3, 227.50 ; 4‑ p erso n $ 3,900.00*
Unemployment	Maximum weekly $631 (eff. 7/1/2025)
Minimum wage	$12.00/hour statewide

Sources: USDA SNAP FY2025; DWSS TANF/EAP pages and Foster Kinship table; DETR memo; Nevada Labor Commissioner. (fns.usda.gov, www2.fosterkinship.org, first5nevada.org, nevadaworkforce.com, business.nv.gov)

Common Mistakes to Avoid

Paying a “credit repair” company before you try free steps: Many disputes are DIY. If you use a company, verify Nevada registration and insist on your 5‑day cancellation right in the contract. (mld.nv.gov, leg.state.nv.us)
Ignoring a court summons: Leads to default judgments and garnishment. Call NLS or LACSN immediately if served. (nevadalegalservices.org, lacsn.org)
Letting utilities lapse while applying: Submit EAP Fast‑Track with the disconnect notice; ask intake about arrearage help. (dwss.nv.gov)
Missing weekly UI certifications: Even one missed week can delay benefits. Start with DETR’s UI page. (detr.nv.gov)
Not checking credit weekly: You now have permanent free weekly access—use it to catch errors or fraud early. (consumerfinance.gov)

FAQs for Nevada Single Mothers

What’s the fastest program to stop a power shutoff: EAP Fast‑Track if you’ve had a recent 15% income loss and a disconnect notice; also call 2‑1‑1 for local crisis funds. (dwss.nv.gov, nevada211.org)
How do I get food benefits quickly: Apply for expedited SNAP at ACCESS Nevada if you meet hardship criteria (little income/assets); some approvals happen within 7 days. (fns.usda.gov)
Can a collector take more than a quarter of my paycheck: Usually no—Nevada caps are 18%/25% or the amount over 50× the federal minimum wage, whichever is less; child support/tax debts are different. (nevada.public.law)
Are credit repair companies legal in Nevada: Yes, but they must be registered with the Division of Mortgage Lending and use written contracts with a 5‑day cancellation notice in bold type. (mld.nv.gov, leg.state.nv.us)
What if rent help programs say funds are closed: Keep checking Nevada 211 and your county social service; Reno and Las Vegas courts run eviction‑diversion resources when funded. (reno.gov, nevada211.org)
How much is Nevada unemployment right now: Max weekly benefit is $631 for claims effective July 1, 2025. (nevadaworkforce.com)
Does Nevada have a state income tax: No; but file federal taxes and use Direct File or Free File to get refunds/credits free. (irs.gov, home.treasury.gov)
What protection do I have for my home: Nevada’s homestead law shields up to $605,000 of equity in your primary residence from most creditors. (nevada.public.law)
Where can I get in‑person credit counseling: MMI Las Vegas (702‑364‑0344) or 24/7 by phone (866‑550‑8004); NFCC’s national line is 800‑388‑2227. (moneymanagement.org)
How do I contact Child Support: 800‑992‑0900 (toll‑free), 775‑684‑7200 (North), 702‑486‑1646 (South). (dwss.nv.gov)

What to Do Next (simple order of operations)

Step 1: Stop the bleeding—apply for EAP Fast‑Track if utility at risk; call 2‑1‑1 and your county social service.
Step 2: Apply for SNAP/TANF as needed; set reminders for requested verifications and interviews.
Step 3: Pull free weekly credit reports; file disputes; set autopay for minimums; talk with a nonprofit counselor if balances feel unmanageable.
Step 4: If sued, contact legal aid, file your answer by the deadline, and negotiate a payment plan that fits within Nevada’s garnishment caps.

About This Guide

Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from Nevada Division of Social Services (formerly DWSS), USDA FNS, DETR, Nevada Housing Division, and established nonprofits. This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed.
Last verified: September 2025, next review: April 2026.

Transparency: Sources are linked to the Nevada state websites or federal agencies and dated where applicable. If you find an error, email info@asinglemother.org and we will verify and correct within 48–72 hours.

Disclaimer

Important: Program rules, income limits, dollar amounts, and contact info can change with new state/federal policy updates or funding. Always verify details with the relevant agency before making financial decisions. This article is general information, not legal or tax advice. For legal advice about debt, eviction, or collections, contact a Nevada attorney or legal aid organization listed above. We have taken reasonable steps to keep this website secure, but do not email full SSNs or bank account numbers—submit sensitive documents only through official state portals or in person.

Sources

SNAP FY2025 amounts, deductions, asset limits: USDA FNS COLA memo (effective Oct. 1, 2024–Sept. 30, 2025). (fns.usda.gov)
ACCESS Nevada application portal: State benefits site. (dwss.nv.gov)
TANF programs (NEON/SSG/TEMP/Loan): Nevada TANF information pages. (dwss.nv.gov)
TANF payment allowance reference: Foster Kinship TANF table (reflects DWSS budgeting/payment allowances). (www2.fosterkinship.org)
EAP application, offices, and specialized components: State EAP pages (apply/contacts/specialized programs). (dwss.nv.gov)
EAP FY2025 income limits: First 5 Nevada summary (matches state program year). (first5nevada.org)
Unemployment maximum weekly benefit: DETR Research & Analysis Bureau memo (effective 7/1/2025). (nevadaworkforce.com)
Minimum wage: Nevada Office of the Labor Commissioner press release (final increase to $12/hr effective 7/1/2024). (business.nv.gov)
Garnishment caps: NRS 31.295. (nevada.public.law)
Debt collection licensing/limits: NRS 649 and NAC 649. (leg.state.nv.us)
Credit Service Organizations: Nevada Division of Mortgage Lending; NRS 598 (5‑day cancellation, contract requirements). (mld.nv.gov, leg.state.nv.us)
Equal Credit Opportunity (Nevada): NRS 598B. (leg.state.nv.us)
Homestead exemption: NRS 115.010; related exemptions NRS 21.090. (nevada.public.law)
Nevada Housing Division programs: Home Is Possible program pages and income/purchase limits; NVHousingSearch. (homeispossiblenv.org, nvhousingsearch.org)
Nevada 211 service hours and scope: Nevada 211. (nevada211.org)
Child Support contacts: Nevada Child Support page. (dwss.nv.gov)
Nonprofit credit counseling: MMI Nevada office; NFCC agency finder. (moneymanagement.org, nfcc.org)
Free tax filing: IRS newsroom on Direct File and Free File. (home.treasury.gov, irs.gov)

What we acknowledge

Benefit amounts and program availability can change quickly when budgets or federal rules shift. This guide places direct links to official pages where you can confirm updates in minutes. If something here looks off or has changed, please email info@asinglemother.org so we can fix it fast.

Learn more:

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