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Residential : ASSISTANCE PROGRAMS : ON TRACK

On Track

Behind on your bills? Struggling to make ends meet? Want to learn how to save energy and money?

On Track, a payment program provided by MLGW, may be able to help you. The program provides energy and financial information to customers in need of help. By joining the program and working together with MLGW staff, you can get back “on track” with all your bills.

On Track is designed to help customers with limited incomes to manage debt and pay off their bills over a period of time. The program focuses on education, financial management and social services. MLGW works with Clearpoint Financial Solutions, an established, national non-profit organization, to provide this financial counseling and education.

On Track participants are eligible to receive:

  • One-on-one assistance from an MLGW service advisor
  • Information on budgeting and saving energy at home
  • Extended Payment Plans (EPP) for up to three years
  • Minor home repairs for homeowners
  • Deposit credited back to the account after completion of program

    On Track participation is free, but to qualify for the program customers must have a steady, but limited, income and owe more than $600 to MLGW. Also, customers must meet the following maximum income guidelines to qualify:

    Size of Family Unit

    Annual Income

    Monthly Income

    1

    $11,962.50

    $996.87

    2

    $16,037.50

    $1,336.46

    3

    $20,112.50

    $1,676.04

    4

    $24,187.50

    $2,015.63

    5

    $28,262.50

    $2,355.20

    6

    $32,337.50

    $2,694.79

    7

    $36,412.50

    $3,034.37

    8

    $40,487.50

    $3,373.95



    For family units with more than 8 members, add $4,075 annually for each additional member or $339.58 per month.

    Application Instructions:
    1) Print and completely fill out the application.

    2) Attach the following to the application for each member of your family:
  • Copy of birth certificate or other identification.
  • Copy of your mortgage statement or rental agreement.
  • Income information for anyone in your household with income. This may include a copy of a recent pay stub, unemployment award letter, Social Security award letter, child support documents, etc.

    Applicants must provide proof of income, rent/mortgage statements and identification for each household member. Incomplete applications will not be processed.

    3) Return the application and copies of household and income information to any MLGW Community Office location or mail to:

    Memphis Light, Gas and Water
    Community Relations Department
    PO Box 430
    Memphis, TN 38101

    Click here to download the On Track application. SmartPay.pdf (1.3MB)

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