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COVID-19: Information, Resources, and Cancellations
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Housing, Utilities & Bills

COVID-19 Economic Impact Payments (EIP)

The payments are also known as stimulus checks. The CARES Act authorized the Internal Revenue Service to send one time payments of $1200 for each adult and $500 for each child under 18 to individuals with less than $75,000 in income or to families with less than $150,000 in income. (Households with higher income can receive less than the full $1200/$500 payments.)

The IRS has been unable to distribute these payments to an estimated 9 million SNAP households because: the households did not file federal income returns for 2018 or for the 2019 tax year.

The IRS website refers to these families as “non-filers”. It is estimated that up to 47 percent of American families are not required to file income tax returns because of low income or their income is excluded from taxation. The IRS is asking for the help of state agencies and community organizations to get the word out. Households have until October 15, 2020 to access the IRS website and provide their contact information.

More Information

Arundel Community Development Services, Inc

Free Financial Counseling

Does COVID-19 have your financial life upside down? Our Financial Empowerment counselors are standing by to help with advice on protecting your credit, budgeting, and referrals to resources such as unemployment benefits and eviction prevention and utility turn-off assistance. Call us at 410-222-7600 for a free, remote counseling session.

Maryland State Government

Department of Social Services

Emergency Assistance to Families with Children

Provides emergency assistance to families who need help paying rent or utilities or for other emergencies. These funds are available through the local department once every two years when funds are available.

Special Enrollment Period for Health Insurance

Maryland Health Connection opened a new special enrollment period for uninsured Marylanders. The coronavirus emergency special enrollment period will began Monday, March 16 and will end July 15.

Temporary Cash Assistance (TCA)

Maryland’s Temporary Assistance to Needy Families (TANF) program, provides cash assistance to families with dependent children when available resources do not fully address the family’s needs and while preparing program participants for independence through work.

Temporary Disability Assistance Program (TDAP)

Available to help low-income, disabled Marylanders through a period of short-term disability or while they are awaiting approval of federal disability support. The program is funded through the State of Maryland to provide help to individuals without dependent children.

Federal Government

Student Loan Relief

The Office of Federal Student Aid is providing student loan relief to borrowers during the COVID-19 national emergency. All borrowers with federally held student loans will automatically have their interest rates set to 0% for a period of at least 60 days. In addition, each of these borrowers will have the option to suspend their payments for at least two months to allow them greater flexibility during the national emergency.

Stimulus Payments

Economic Stimulus payments will soon be sent out automatically. Most people will not need to do anything; however, some seniors and households that do not usually file a tax return will be required to file a simple tax return. If you did not file a 2018 or 2019 tax return, be sure to do so! Check for updates.

Wounded Warrior COVID-19 Relief Program

Financial Support During COVID-19

Accepting applications for one-time-only COVID-19 relief grant payments in the amount of $1,000, to be paid directly to 10,000 eligible warriors who find themselves in urgent and significant need.

Only Warriors who meet all of the following criteria will qualify for consideration:

  • Confirmed registration with Wounded Warrior Project (WWP) on or before April 8, 2020.
  • Have themselves suffered a loss of personal employment/work income or are dependent on someone in their household who has suffered a loss of employment/work income due to COVID-19.
  • Are currently unable to pay for their rent/mortgage, utilities, or food due to the loss of income resulting from COVID-19.

The application process opens on Thursday, April 9, 2020. Grants will be paid to those who meet the criteria, as they come in, until funds are gone.


You will receive a separate email from [email protected] with a link to a grant application (sent to the same email address as this email). If you do not see the email, please look to your spam, junk or Promotions (Gmail) folder(s). Follow the directions in that email to apply.

Registered warriors are being asked to only apply for assistance if they absolutely need it due to financial hardships from COVID-19. This will enable us to help as many of those with urgent and significant needs as possible.

In times like these, we are reminded of how much we all depend on each other. We are honored and humbled to stand alongside you on your journey and thank you for all that you have sacrificed for our great nation.

UPDATE (7/29/20)

There has been no extension announced on the moratorium on foreclosures at this time. Foreclosures will resume for homes with privately-backed mortgages. Foreclosures for homes with federally-backed mortgages are on hold until August 31.

There has been no extension announced on the moratorium on evictions at this time. The exception is for tenants living in properties with federally-backed loans. The hold on evictions for those tenants extends until August 31. For more information check out the Maryland Volunteer Lawyer Services website.

Assisted Housing Relief Program: CLOSES 7/31/2020 at Noon (or until funding is exhausted)

The Assisted Housing Relief Program is intended to help bring rental delinquencies current for those units and provide real relief for the tenants affected by the COVID-19 pandemic through direct payments to the eligible property management company. Tenants in eligible properties will be credited a four month rent rebate which will eliminate their rental debt and the threat of eviction. Applications must be submitted by property managers.

The program will be limited to rental units in multi-family projects financed by the Department of Housing and Community Development Administration using state funds or federal resources, such as the Low-Income Housing Tax Credit program where the unit rent is controlled. There is a list of eligible properties on their website.

For a list of eligible properties, more information, and the application:

For questions about this program: [email protected]

The Legal Landscape of COVID-19 and Housing 

This information, presented by Zafar Shah with Public Justice Center during County Executive Pittman's discussion on housing, provides you with a review of what decisions at the federal, state, and county level are in place regards to housing during this time, and what your rights are. 

The information in this presentation was updated May 12, 2020.

View Presentation

Maryland State Government

Prohibition on Evictions

Governor Hogan has issued an emergency order that prohibits Maryland courts from ordering the eviction of any tenant who can show that their failure to pay rent was the result of COVID-19. Examples might include lost or reduced unemployment, caring for a school-aged child, or because they are diagnosed with, or under investigation for, COVID-19.

Federal Government 

Eviction/Foreclosure Suspension

The Federal Housing Finance Agency has directed Fannie Mae and Freddie Mac to suspend foreclosures and evictions for at least 60 days. The foreclosure and eviction suspension applies to homeowners with an Enterprise-backed single-family mortgage. More information can be found here. The FHFA also announced that hardship forbearance is an option for borrowers unable to make their mortgage payment. Borrowers are encouraged to reach out to their servicer for more information.  

Arundel Community Development Services, Inc

For Homeowners and Homebuyers

If you are a homeowner and need help navigating mortgage foreclosure prevention resources, ACDS is here to help.  Not sure who to call to work out a payment plan or learn if your mortgage is federally backed? Our experienced Foreclosure Prevention counselors will provide free, confidential assistance.  Please call us at 410-222-7600 and we will connect you with our remote staff. 

ACDS also continues to provide a range of services from a distance through phone and video chats, including our Property Rehabilitation and Homeownership Counseling services.

Eviction Prevention Program

Are you a renter financially impacted by COVID-19 and need help paying your rent or utilities? ACDS and our partners can help. Beginning April 20th, tenants in crisis can call ACDS at 410-222-7600 or one of our partners to access emergency grants to pay past due rent and utility payments.

To see if you're eligible and for more information visit:

Emergency Shelter

The emergency shelter screening process is temporarily changed in response to the COVID-19 public health crisis. If you are living in a place not meant for human habitation (outside, in a car, etc.) or will need emergency shelter, please call (410) 417-7260 Monday-Friday during normal business hours to be screened for emergency shelter. If you are in a crisis, reach out to the Crisis Response Community Warmline, which receives calls 24 hours a day, 7 days a week at 410-768-5522.

UPDATE (7/29/20)

At this time the moratorium on utility shut-offs, which is set to expire August 1, has not been extended. The Office of People's Counsel continues to monitor the situation and will send out information as it becomes available. If a client is behind on their utility bill they should apply for assistance through the Office of Home Energy Programs and reach out to their utility to negotiate a payment plan.

BGE, Delmarva Power, and Pepco Have Extended Moratorium

BGE, Delmarva Power, and Pepco have extended their moratorium on shut-offs and late fees through July 1, 2020.
The Office of People's Counsel encourages all utility customers to continue to make payments on their account. If a utility customer is having trouble paying their utility bill there is information on their website about resources that are available.

Anne Arundel County Department of Public Works

Water Service & Billing

During the current State of Emergency, the Anne Arundel County Department of Public Works will not turn off public water service for non-payment and no late fees will be assessed. During the current closure of County buildings to the public, customers are encouraged to pay their utility bills by mail, online or at one of the yellow lock boxes located outside any of the three cashier locations.

Utility Scams Are On The Rise

Anne Arundel County Office of Finance

Payment Options

The health, safety, and security of our residents, visitors and staff are of utmost importance. During this time, please be reminded that you can use the following payment options.

Maryland State Government

Utility Services in Maryland

As of April 29, 2020, Governor Hogan reissued the Executive Order that now extends the prohibition of utility turn-offs and late fees through August 1, 2020

Governor of the State of Maryland Executive Order Number 20-05-29-02

Prohibition on Utility Shutoffs

Governor Hogan has issued an emergency order that prohibits electric, gas, water, sewage, phone, cable TV, and internet service provider companies from shutting off any residential customer's service, or charging any residential late fees.

Tips on how to best negotiate with utility providers

How to file a complaint against a utility during the State of Emergency

Energy Assistance

Provides bill assistance to low-income households in the State of Maryland to make their energy costs more affordable and to help with the prevention of loss and the restoration of home energy service.

You may be eligible to apply for utility bill assistance through the State Office of Home Energy Programs (OHEP). See current income guidelines.