Credit Repair & Financial Recovery for Single Mothers in Oregon

Last updated: September 2025

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Quick Help Box

• If you just got a shut‑off or eviction notice: Call 211 or 1‑866‑698‑6155 during Oregon’s current hours Mon–Fri 8 a.m.–6 p.m., or text your ZIP to 898211 for referrals to rent, utility, or legal help. See 211’s current hours and contact options at their page. (211info.org)
• If a debt collector is harassing you: Call the Oregon DOJ Consumer Hotline 1‑877‑877‑9392 and learn your rights under Oregon’s Unlawful Debt Collection Practices Act. (doj.state.or.us, oregon.public.law)
• If you’re being evicted or have court papers: Call the Eviction Defense Project at 888‑585‑9638 immediately and show up to court even if you apply for assistance. (oregonlawcenter.org)
• If you are fleeing abuse and need urgent funds: Ask ODHS about TA‑DVS cash help up to $3,200 within a 90‑day period for safety needs. (oregon.gov)
• If wages are being garnished: Oregon generally protects 75% of disposable earnings and guarantees you keep at least $254/week (more for longer pay periods). Ask about new exemption amounts for bank accounts and homesteads summarized below. (oregon.public.law, courts.oregon.gov)
• If medical debt is hurting your credit or budget: As of 2025, the CFPB finalized a rule to ban medical bills from credit reports used by lenders, although litigation is ongoing. See the update and timelines below. (consumerfinance.gov, consumerfinancemonitor.com)

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Oregon‑First Emergency Actions That Protect Your Credit

Step 1 — Stop the bleeding

• Utilities and rent: Call 211 or 1‑866‑698‑6155 to locate same‑week rent/utility resources in your county. Current 211 phone hours are Mon–Fri 8 a.m.–6 p.m.; text 898211 or email help@211info.org for a callback during open hours. (211info.org)
• Eviction court: Contact the Eviction Defense Project at 888‑585‑9638 as soon as you receive papers and before your first appearance. Free help statewide for low‑income tenants. (oregonlawcenter.org)
• Domestic violence safety costs: TA‑DVS can pay deposits, lock changes, moving, and basics up to $3,200 in 90 days. Apply by calling your local ODHS office or the ONE Customer Service Center 800‑699‑9075. (oregon.gov)
• Garnishments: If your paycheck or account is being hit, review the wage and account protections below, then call the DOJ Consumer Hotline 1‑877‑877‑9392 or seek legal aid if the numbers don’t look right. (doj.state.or.us, oregon.public.law, courts.oregon.gov)

Step 2 — Pull your credit reports and place a free freeze

• Free weekly reports: Get all three reports free every week at AnnualCreditReport.com. The FTC confirms this access is now permanent. (consumer.ftc.gov)
• Free security freezes: You can freeze/unfreeze your credit free with Equifax, Experian, and TransUnion. A freeze blocks most new accounts and is stronger than monitoring. (consumer.ftc.gov, consumerfinance.gov)

Step 3 — Dispute errors the right way

• Timeline: Bureaus generally have 30 days to investigate your dispute (up to 45 if you send new info). Use certified mail, include documents, and keep copies. The FTC explains the steps and deadlines. (consumer.ftc.gov)
• If a lender furnished the error: Send a dispute to the furnisher too; they must reasonably investigate and respond, usually within 30 days. (ftc.gov)

What to do if this doesn’t work: Escalate to the CFPB complaint portal, contact Oregon DOJ Consumer Protection 1‑877‑877‑9392, or seek a HUD‑approved counselor for free help (see Local Organizations). (doj.state.or.us)

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Oregon Laws That Protect Your Paycheck, Home, and Bank Account

Oregon wage garnishment limits (most debts)

• General rule: Collectors can take no more than 25% of disposable earnings; at least 75% is protected. Minimum protected net amounts: $254/week\ast \ast ,\ast \ast$509/2‑weeks, $1,090/month, and comparable pro‑rated amounts for other pay periods. (oregon.public.law)

Base protected account balance and homestead

• Base protected account balance: Up to $2,600 in your bank accounts at one institution is protected from garnishment July 1, 2025–June 30, 2026. (courts.oregon.gov)
• Homestead exemption (most creditors): Up to $154,200\ast \ast foroneowneror\ast \ast$308,400 for two or more household judgment debtors is exempt (effective July 1, 2025–June 30, 2026; adjusted annually). Different limits apply for child/spousal support or restitution debts. (courts.oregon.gov)

Oregon debt collection rules you can use

• Unlawful practices: Threats, repeated calls to harass, false legal threats, contacting you at work after you say stop, and suing on time‑barred debt are illegal. Report violations to DOJ Consumer Protection 1‑877‑877‑9392. (oregon.public.law, doj.state.or.us)
• Statute of limitations: Most written consumer debts (including credit cards) have a six‑year limit to file a lawsuit from breach date, with exceptions. If you’re sued on older debt, raise this defense promptly. (oregon.public.law)

What to do if this doesn’t work: Talk to legal aid, request validation in writing, and consider negotiating a settlement you can afford. Never miss a court date even if you’re seeking help.

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Credit Repair That Works: A 30‑60‑90 Day Oregon Plan

Key Oregon levers to use fast: 211 referrals, TA‑DVS for safety costs, rent caps and tenant hotlines, wage/asset exemptions, and charity care rules summarized below. (oregon.gov, 211info.org)

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Medical Debt & Your Credit in 2025

• CFPB final rule: In January 2025, the CFPB finalized a rule to remove medical bills from credit reports used by lenders and to prohibit lenders from using medical information in decisions. The rule takes effect 60 days after publication but faces legal challenges; follow the CFPB page for status. Separately, the three bureaus already remove medical collections under $500. (consumerfinance.gov, consumerfinancemonitor.com)
• Oregon hospital financial assistance: Nonprofit hospitals must discount or forgive bills for households up to 400% FPL: 100% at ≤200% FPL, 75% at 201–300%, 50% at 301–350%, and 25% at 351–400% FPL. Hospitals must prescreen and process assistance before billing. (oregonlegislature.gov, oregon.gov)
• Action now: Ask the hospital’s billing office for “financial assistance” screening under ORS 442.610–442.615 and get the decision in writing. If denied, contact OHA or a nonprofit advocate like Dollar For’s Oregon help page. (oregon.gov, dollarfor.org)

What to do if this doesn’t work: Appeal in writing, request itemized bills and insurance reprocessing, and file complaints with the Oregon DOJ and the CFPB if collections continue for bills that should qualify for assistance. (doj.state.or.us)

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Benefits and Income Supports That Stabilize Credit‑Breaking Bills

SNAP food benefits

• Who qualifies: Oregon’s posted SNAP gross income guidelines (most households) through September 2025 are monthly: $2,510\ast \ast (1),\ast \ast$3,407 (2), $4,304\ast \ast (3),\ast \ast$5,200 (4), add $897 per additional person. (oregon.gov)
• How much you could get: FY 2025 maximum allotments increased; a family of four can receive up to $975/month in the 48 states. Actual amounts depend on income/deductions. (fns.usda.gov)
• How to apply: Apply online at ONE.Oregon.gov or call 800‑699‑9075 for help. Expect an intake interview and an EBT card by mail if approved. (oregon.gov)
• Timeline: Many decisions are made within 7–30 days; expedited cases can be within 7 days depending on income and resources (ODHS will advise).

What to do if this doesn’t work: Call 211 for local pantries and WIC; ask ODHS for an expedited interview if you have very low income, little cash, or emergency shelter needs. (211info.org)

Quick SNAP reference for scanning

(Oregon posts income rules; max allotments come from USDA FY25 COLA.) (oregon.gov, fns.usda.gov)

TANF cash for families with children

• What it pays: ODHS lists an example that a family of three with no income can receive up to $506/month\ast \ast ;mostfamiliesmustalsoengagewiththeJOBSprogram.Aclothingallowanceof\ast \ast$270 is typically issued three times per year while eligible. Apply via ONE or call 800‑699‑9075. (oregon.gov)

What to do if this doesn’t work: Ask about Diversion (one‑time help) or TA‑DVS if you’re fleeing abuse; appeal any denial in writing and request a hearing date.

ERDC child care help

• Status: Oregon’s ERDC now has a waitlist for most new applicants, with screening to determine if you can skip the waitlist. Apply online or call 800‑699‑9075; 211 can help you find a local office. (oregon.gov)
• Copays: See the latest copay charts and provider rate limits. Copays vary by income and family size. (oregon.gov)

What to do if this doesn’t work: Ask about short‑term child care assistance via local nonprofits (211 can search) and check if your school district has preschool or Head Start slots.

Oregon Health Plan (OHP) and OHP Bridge

• Healthier Oregon: Since July 2023, people of any age and immigration status can qualify for full OHP if they meet income and other rules. Apply online or call 800‑699‑9075. (oregon.gov)
• OHP Bridge (started July 1, 2024): Covers adults 19–64 up to 200% FPL if they lack affordable coverage. 200% FPL through Feb 2025 is $30,120\ast \ast (1),\ast \ast$40,880 (2), $51,640\ast \ast (3),\ast \ast$62,400 (4). (healthcare.oregon.gov, content.govdelivery.com)

What to do if this doesn’t work: Ask to speak with a certified community partner for application help near you. (oregon.gov)

Paid Leave Oregon

• Benefit range: For benefit years starting July 6, 2025, the weekly benefit is $68.19–$1,636.56 based on your wages; low‑wage workers may receive up to 100% wage replacement. Use the official calculator and apply in Frances Online. (paidleave.oregon.gov, nfp.com)

What to do if this doesn’t work: Call Paid Leave Oregon or your employer’s HR for status; consider short‑term disability or worker’s comp if applicable.

Utilities: LIHEAP and OEAP

• Income limits: LIHEAP/OEAP use 60% of State Median Income (FFY 2025 monthly: $3,067\ast \ast for1,\ast \ast$5,899 for 4, etc.). Contact your county’s agency via OHCS. (oregon.gov)
• State update: In June 2025, lawmakers doubled Oregon Energy Assistance Program funding to $40 million/year to help more households avoid disconnections. (opb.org, ijpr.org, ktvz.com)
• Local example: Eugene Water & Electric Board’s Customer Care gives a $280 bill credit once per year for eligible households. Call 541‑685‑7000. (eweb.org)

What to do if this doesn’t work: Ask for a utility payment plan, medical certification holds if applicable, and referral to weatherization services.

Child support realities

• Who to call: Oregon Child Support Program Customer Service 800‑850‑0228 or 503‑373‑7300 (Mon–Fri 7 a.m.–5:15 p.m.). Request a review if income or custody changed. (doj.state.or.us)
• Why this matters for credit: Missed support can trigger license suspensions, garnishments, and tax intercepts. If the order is too high, ask for a modification review; the program explains when a review is possible. (doj.state.or.us)

What to do if this doesn’t work: Contact legal aid; keep proof of income changes, job loss, or parenting time changes to support a modification request.

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Oregon Housing and Rent Protections That Affect Your Budget

• State rent cap: For calendar year 2025, the maximum annual rent increase for most units 15+ years old is 10.0%, and landlords must give 90‑day written notice and may raise rent only once every 12 months. Some newer units are exempt. (oregon.gov, oregon.public.law)
• Tenant help lines: Community Alliance of Tenants Renters’ Rights Hotline 503‑288‑0130 (limited hours) and resources online; statewide eviction defense help at 888‑585‑9638. (oregoncat.org, oregonlawcenter.org)

What to do if this doesn’t work: Call 211 for local rent assistance and legal clinics in your county. (211info.org)

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Avoid Credit Repair Scams in Oregon

• Check registration: Debt management/credit repair companies must be registered with Oregon’s Division of Financial Regulation and are limited in what they can charge ($50\ast \ast initialconsult,\ast \ast$50 education, and capped monthly fees). Verify licenses and see fee caps. (dfr.oregon.gov)
• Red flags: Big upfront fees, “pennies on the dollar” guarantees, advice to stop paying your mortgage, or out‑of‑state “law firm” programs that won’t register in Oregon. Report issues to DFR’s Consumer Hotline 888‑877‑4894. (dfr.oregon.gov)

What to do instead: Use HUD‑approved nonprofit counseling, secured cards from a local credit union, or a credit‑builder loan through a trusted CDFI (see Local Organizations).

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Build Credit the Low‑Risk Way (Oregon Options)

• Credit‑builder loan or secured card: Ask your local credit union about credit‑builder products. Use Oregon’s state‑chartered credit union directory to compare. (dfr.oregon.gov)
• DevNW + Community LendingWorks: Offer credit‑builder loans, counseling, and matched savings via the Oregon IDA Initiative. Membership is typically $75/year per household; CLW provides credit‑builder and consumer loans. (devnw.org)
• Oregon IDA Initiative: Typical match is about 3:1 and some programs match up to 5:1; providers and caps vary. As of July 2025, OHCS and Neighborhood Partnerships announced $6.62 million in new IDA funding to 11 organizations. (oregonidainitiative.org, apps.oregon.gov)

What to do if this doesn’t work: Ask about lender “second‑chance” programs at community banks, or use on‑time rent/utility reporting services your landlord or utility may already support.

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Oregon’s Strong Charity Care and Medical Billing Rules (Fast Reference)

Hospitals must screen you and apply discounts before collections. Use your hospital’s “financial assistance” application or ask patient financial services to screen you. (oregonlegislature.gov, oregon.gov)

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Quick Reference Cheat Sheet

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Application Checklist

• Proof of identity: State ID/driver license or other acceptable ID.
• Proof of Oregon residence: Lease, utility bill, mailed document.
• Proof of income: Recent paystubs, benefit letters, child support order, unemployment, or a statement of no income.
• Household details: Birthdates and Social Security numbers or ITINs (if you have them) for household members.
• Crisis documents (if any): Eviction notice, utility shutoff notice, police report/protection order for TA‑DVS, or medical bills.
• Banking info: For direct deposit or to set up payment plans.
• Notes and files: Keep date‑stamped copies, names of workers you spoke with, and confirmation numbers.

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Common Mistakes to Avoid

• Ignoring court papers or collection letters: You lose rights and options quickly if you do not respond.
• Disputing online without documents: Certified mail with evidence gets better results; keep the paper trail. (consumer.ftc.gov)
• Paying a collector before validation: Ask for written validation within 30 days of first notice; do not give bank access until you verify. (doj.state.or.us)
• Skipping Oregon hospital charity care screening: You may qualify for 25–100% off; insist on screening. (oregon.gov)
• Signing “pay‑for‑delete” agreements casually: Many won’t deliver and may violate policy; get everything in writing and verify updates on your reports.
• Using unregistered “credit repair” services: Oregon caps fees and requires registration; verify first. (dfr.oregon.gov)

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Diverse Communities: Practical Notes and Oregon Resources

• LGBTQ+ single mothers: Ask OHP about gender‑affirming care coverage and inclusive providers through your CCO; 211 can find affirming shelter and legal aid options. (211info.org)
• Single mothers with disabilities or disabled children: Tell OHCS and utilities about medical equipment needs for utility holds; ask OHP/CCO for non‑emergency medical transportation and case management. (oregon.gov)
• Veteran single mothers: Contact the VA and Oregon Department of Veterans’ Affairs for debt relief programs and emergency grants; 211 can filter searches for veteran‑specific assistance. (211info.org)
• Immigrant/refugee single moms: OHP covers people regardless of immigration status through Healthier Oregon if income‑eligible; hospitals cannot deny charity care based on status. (oregon.gov, dollarfor.org)
• Tribal‑specific resources: Tribal child support and housing programs can coordinate with Oregon DOJ; the federal directory lists tribal child support contacts for the Umatilla and Klamath Tribes in Oregon. (acf.gov)
• Rural single moms: Use 211’s text option 898211 if phone signals are spotty; mail‑in disputes and paper applications still work for credit issues and benefits. (211info.org)
• Single fathers raising kids: All programs listed (SNAP, TANF, ERDC, OHP, TA‑DVS) are gender‑neutral; eligibility depends on income and household.
• Language access: ODHS and 211 provide interpreters; OHP community partners can help apply in many languages. (oregon.gov)

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Local Organizations and Nonprofits (Selected, HUD‑approved where noted)

• DevNW: Financial counseling, classes, Oregon IDA access; membership $75/year per household. Salem/Albany/Eugene and more. Phone: 503‑779‑2680. (devnw.org)
• Community LendingWorks (DevNW CDFI): Credit‑builder and consumer loans. (devnw.org)
• NeighborImpact HomeSource (HUD‑approved): Budgeting and credit workshops in Central Oregon. Phone: 541‑323‑6567. (apps.hud.gov)
• NeighborWorks Umpqua (HUD‑approved): Financial counseling in Southern Oregon. Phone: 541‑673‑4909. (apps.hud.gov)
• 211info: Statewide referrals; dial 211 or 1‑866‑698‑6155; text 898211. Current core phone hours Mon–Fri 8 a.m.–6 p.m. (211info.org)
• Community Alliance of Tenants: Tenant hotline 503‑288‑0130 (limited hours). (oregoncat.org)

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Credit‑Impacting Numbers You Should Know in Oregon (2025)

Sources: Oregon statutes and state agencies noted above. (oregon.public.law, courts.oregon.gov, oregon.gov, nfp.com)

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Real‑World Examples

• Example one: You missed two credit card payments after unpaid leave. You pause new late fees by calling your issuer and setting a hardship plan, pull your free weekly credit reports, and dispute an erroneous 60‑day late that belonged to a closed account. Thirty days later, the bureau removes the error and your issuer reports the plan current. You use SNAP for 60 days while income stabilizes and take one small credit‑builder loan to diversify your mix. Scores begin to recover over 2–3 statements. (consumer.ftc.gov)
• Example two: A surprise ER bill goes to collections. You request hospital financial assistance screening; the hospital grants a 75% discount at 280% FPL and recalls the collection. The balance is paid via a zero‑interest plan and never returns to collections, avoiding new derogatory marks. (oregon.gov)

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Ten Oregon‑Specific FAQs

• Which income numbers does Oregon use for SNAP right now: See ODHS’s table effective October 2024–September 2025. (oregon.gov)
• How long will my credit dispute take: Bureaus usually must finish in about 30 days (up to 45 with new information). (consumer.ftc.gov)
• Can a collector call my work: Not if you tell them in writing to stop or if the employer prohibits it; harassment is illegal under ORS 646.639. (oregon.public.law)
• What if my paycheck is already garnished: Check amounts against Oregon’s minimum protected earnings; if below the limits, talk to your payroll and seek legal advice. (oregon.public.law)
• Does medical debt still lower my score in 2025: Debts under $500 are off reports; a CFPB rule to ban medical bills from reports used by lenders was finalized but faces litigation. Follow the CFPB page for status. (consumerfinance.gov)
• How much is Paid Leave Oregon if I earn near minimum wage: Workers at or below 65% of the state average weekly wage can receive up to 100% of their own average weekly wage, capped at the statewide maximum. Use the calculator. (paidleave.oregon.gov)
• Can I get OHP without a Social Security number: Yes, Healthier Oregon covers people regardless of immigration status if they meet income and other rules. (oregon.gov)
• What if ERDC has a waitlist: Apply anyway; Oregon screens for categories that can skip the list. 211 can help you hunt for stopgap child care aid. (oregon.gov)
• Is there matched savings for moms trying to buy a car or start a business: Oregon’s IDA Initiative offers matched savings (often 3:1, sometimes more) via local providers; funding varies. (oregonidainitiative.org, apps.oregon.gov)
• Who helps with student loan messes in Oregon: Contact the Oregon Student Loan Ombuds via DFR at 888‑877‑4894 or DFR.BankingProductHelp@dcbs.oregon.gov for servicer issues and scam concerns. (dfr.oregon.gov)

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Regional Resource Snapshot

• Portland metro: Community Alliance of Tenants hotline 503‑288‑0130; Health Share/CCO partners for OHP; 211 lists rent/utility slots as they open. (oregoncat.org)
• Willamette Valley: DevNW counseling and CLW credit‑builder loans; local ODHS offices for SNAP/TANF/ERDC. (devnw.org)
• Southern Oregon: NeighborWorks Umpqua counseling; local legal aid for evictions; OHCS lists local LIHEAP providers. Phone: 541‑673‑4909. (apps.hud.gov, oregon.gov)
• Central Oregon: NeighborImpact HomeSource counseling; Community Action for utilities; call 541‑323‑6567. (apps.hud.gov)

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Step‑By‑Step: How to Dispute and Repair Credit (Letter Templates You Can Use)

• Dispute letter to bureaus — label and attach: Include report number, account name, the exact error, and copies of proof (billing statements, identity theft report, divorce decree, paid receipt). Ask for deletion or correction and a new copy of your report.
• Furnisher dispute: Send to the creditor’s designated address with the same attachments.
• Track deadlines: Expect written results in about 30 days; if corrected, ask the bureau to notify anyone who pulled your report in the last 6 months (or 2 years for employment). (consumer.ftc.gov)

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What to Do When Money Is Extra Tight (But You Need to Raise Your Score)

• Use a secured card with a low limit: Charge one small recurring bill and auto‑pay in full. Keep utilization under 10%.
• Try a credit‑builder loan: The loan sits in savings while you make monthly payments; when it closes you get the cash and positive history (CLW and many credit unions offer these). (devnw.org)
• Report your on‑time rent/utility payments: Some landlords/utilities participate; ask your property manager or utility provider.
• Time new credit carefully: Don’t apply for multiple products at once; too many new accounts can drop scores short‑term.

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“Plan B” Options If You Hit Roadblocks

• If you’re denied benefits: Request a written denial and appeal; call 211 to locate a navigator who can help you re‑apply or appeal on time.
• If collectors won’t stop: Send a cease‑contact letter, keep a log, and file complaints with the Oregon DOJ and CFPB.
• If your budget can’t cover minimums: Ask creditors for hardship plans that don’t report you late; consider nonprofit debt management (verified and fee‑capped in Oregon). (dfr.oregon.gov)
• If you face suit or judgment: Seek legal aid; know Oregon’s exemptions summarized above and explore settlement or payment plans through the court, documented in writing. (courts.oregon.gov)

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About This Guide

Compiled by the ASingleMother.org Editorial Team

Methodology: We use only official sources from the Oregon Department of Human Services, Oregon Health Authority, Department of Administrative Services, Oregon Department of Justice, Oregon Housing and Community Services, USDA, HUD, and other established nonprofits. Our process follows our Editorial Standards and includes link‑testing, cross‑verification, and change tracking.

Accuracy notes: Benefit amounts change; Oregon adjusts many figures annually. We cite current postings for October 2024–September 2025 (SNAP/LIHEAP year) and July 2025 updates (Paid Leave, homestead/account protections). Always confirm amounts on the agency pages linked and cited above. (oregon.gov, nfp.com, courts.oregon.gov)

Last verified: September 2025. Next review: April 2026.

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Disclaimer

Purpose: This guide provides practical information to help Oregon single mothers navigate credit repair and money recovery. It is not legal, tax, or financial advice.

Program changes: Rules, amounts, and eligibility can change quickly. Always confirm with the relevant agency or hotline before acting. If you spot an error, email info@asinglemother.org and we will investigate promptly.

Security: Avoid sharing sensitive info except on secure sites (look for “https”), and consider a free credit freeze to reduce identity‑theft risk. (consumer.ftc.gov)

Fair‑use and impartiality: We do not accept payments from programs we reference. We link to official and reputable nonprofit sources only.

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🏛️More Oregon Resources for Single Mothers

Explore all assistance programs in 34 categories available in Oregon

• 📋 Assistance Programs
• 💰 Benefits and Grants
• 👨‍👩‍👧 Child Support
• 🌾 Rural Single Mothers Assistance
• ♿ Disabled Single Mothers Assistance
• 🎖️ Veteran Single Mothers Benefits
• 🦷 Dental Care Assistance
• 🎓 Education Grants
• 📊 EITC and Tax Credits
• 🍎 SNAP and Food Assistance
• 🔧 Job Training
• ⚖️ Legal Help
• 🧠 Mental Health Resources
• 🚗 Transportation Assistance
• 💼 Job Loss Support & Unemployment
• ⚡ Utility Assistance
• 🥛 WIC Benefits
• 🏦 TANF Assistance
• 🏠 Housing Assistance
• 👶 Childcare Assistance
• 🏥 Healthcare Assistance
• 🚨 Emergency Assistance
• 🤝 Community Support
• 🎯 Disability & Special Needs Support
• 🛋️ Free Furniture & Household Items
• 🏫 Afterschool & Summer Programs
• 🍼 Free Baby Gear & Children's Items
• 🎒 Free School Supplies & Backpacks
• 🏡 Home Buyer Down Payment Grants
• 🤱 Postpartum Health & Maternity Support
• 👩‍💼 Workplace Rights & Pregnancy Protection
• 💼 Business Grants & Assistance
• 🛡️ Domestic Violence Resources & Safety
• 💻 Digital Literacy & Technology Assistance
• 🤱 Free Breast Pumps & Maternity Support