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Provides information about resources for taxpayers who are facing payment defaults or home refinancing in order to avoid foreclosure.

Provides debt consolidation services by working with creditors to establish a debt repayment plan set-up and managed by Apprisen with less interest/fees.

Provides assistance to caregivers or beneficiaries with applying for and managing their Supplemental Security, Social Security, Veteran's Administration, or Residential State Supplement Program benefits with the goal of living independently or making a successful transition to independent living.

Provides pre-filing bankruptcy counseling which is required to be completed prior to the bankruptcy petition being filed. Subjects covered include budget analysis, financial net worth analysis, alternatives to bankruptcy, and review of Chapter 7 and 13 personal bankruptcy. Agency has been approved by the U.S. Trustees office to offer this course.

Attempts to prevent mortgage foreclosure by providing counseling for those experiencing the first signs of financial difficulty (fear of missing a mortgage payment, one, two or more missed mortgage payments). Will assess the client's financial situation, offer help with budgeting, set up a plan, and make the initial call to the mortgage holder to determine a workable solution. Does not provide funds to clear up delinquency or foreclosure.

Provides opportunity for those getting public benefits to have agency receive and deposit benefits and/or income in an account, to pay bills, and to provide balance of funds for individual's use. Services may include monitoring client accounts, filing required reports to federal agencies, and assisting with personal finance budgeting.

Provides mortgage foreclosure counseling to help clients address their current or impending mortgage foreclosure situation. Advocates on behalf of the client with mortgage holders and other creditors. Provides information on budgeting and credit issues, available community resources, and options one might have when facing foreclosure.

Provides classes that address economic stability such as credit repair, budgeting, understanding predatory lending, and building personal resources.

Provides credit reports and scores to consumers to enable them critical information that enables them to make financial and purchasing decisions with greater control and confidence.

Evaluates requests for bankruptcy assistance where applicant seeks protection from creditor in the following instances: - Threat of garnishment or wrongful garnishment; - Utility shut off with no other options to reinstate service; - Driver's license suspension; - Income from Social Security or other governmental benefit is being offset to arrearage of more than $2,000 on federal mortgage. If applicant has a permanent disability, is retired or elderly, and is judgment proof: Offers assistance with communicating such facts with creditors.

Provides counseling to people looking for more financial security. Will offer budget counseling to help the client analyze their spending habits and suggests methods for making educated purchasing decisions in the future. Aims to help those looking to buy a house, repair credit, get out of foreclosure, etc.

Offers personal enrichment and recreational programs such as first aid, home repair instruction, photography, real estate, scrapbooking, dance, computer instruction and financial management classes. Provides babysitting instruction, days camps and art and crafts for youth.

Provide food pantry.

Provides career and college counseling and financial aid assistance to those seeking help to begin or go back to college or post-secondary programs such as vocational schools or training programs. Counseling is given regarding career options and interests, colleges, the admission process, financial aid, the completion of forms, and scholarship searches. Offers financial assistance provided through three types of scholarships. Can counsel individuals on student loan debt and help find the best option to help pay the debt, such as Income Based Repayment plans, loan forgiveness options, and/or consolidation options. Will help with applications for those options. Note: Does not provide direct financial assistance.

Provides classes to give people the knowledge, skills and tools needed to make healthy, informed choices. Following is a list of some current and available programs and topics: - Dining with Diabetes. - Successful Co-Parenting Classes. - Budgeting Classes. - Canning and Preserving Classes - Nutrition. - Life Skills - including Employment Prep, Resume Writing, and Financial Literacy.

Provides guidance in the many areas that can play a role in achieving goals for financial stability. Includes budget plan, savings plan, credit counselin, debt management plan, access to credit building tools, access to banking products.

Provide food pantry.

Provides free, one-on-one financial counseling delivered by professionally trained coaches to individuals and families helping them to acquire the skills to budget and save, develop healthy banking relationships, and raise their credit scores. Also provides assistance with defaulted student loans. - Provided by United Way of Summit & Medina.

Provide Crisis Intervention and Suicide Prevention services to Mahoning, Columbiana, Trumbull and Ashtabula Counties; 24/7 2-1-1 Information and Referral access for Columbiana, Mahoning, and Trumbull Counties and after hours for Ashtabula and Lake Counties; after hours link to various agencies in Mahoning, Columbiana, Trumbull and Ashtabula Counties; support groups for Survivors of Suicide; Senior Line; housing assistance and payee programs; Intensive Guardian Program; Recovery Services (Mahoning and Trumbull counties); Victim's Assistance; Community Center (Mahoning and Columbiana Counties); Special Navigator for Families with Special Needs.

Provides advice and representation for those being evicted, foreclosed upon, locked out, having difficulty obtaining repairs from a landlord, or who have had utilities terminated. Advice and representation may also be available to those who wish to enforce special rules of subsidized housing, or those seeking assistance with land contract problems and housing discrimination matters. NOTE: Information on the Fall 2020 National Eviction Moratorium is available on the agency's website.

Licenced social workers provide ongoing in-home needs assessment, care planning, and consultation to help vulnerable seniors maintain their independence through Senior Supportive Services. Assistance is provided for financial management, medical appointments, insurance, transportation, and housing needs, and by linkage to other community services.

Provides guidance and advice to assist families and individuals meet the responsibilities of homeownership and modify or refinance their loans to avoid unreasonably high interest rates, unaffordable repayment terms, and other conditions that can result in a loss of equity, increased debt, default and eventually foreclosure. Counselors also assist homeowners with inquiries related to mortgage scams and reporting instances of potential mortgage scams victimization.

Provides financial education to agencies, organizations, individuals, and families. Offers programs in basic budgeting; credit and debt management; consumer issues; homebuyer education and counseling; and general money management.

Provides a financial literacy program for students in grades 7-12; students simulate the life of an adult who must make financial decisions, manage a family and go to work.