Provides credit and budget counseling to people who may be interested in purchasing a home. Services includes: reviewing credit report, identifying barriers to being mortgage ready, and helping develop a plan for repairing credit problems.

Provides classes and individual counseling on budgeting, credit, mortgage loans, predatory lending, and home purchase preparation, including separate review of documents.

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.

Provides home mortgage loan counseling services to those who are in danger of losing their home. Works with the lender to negotiate and restructure the loan in order to create better terms for the borrower. In some cases, agency will refinance the loan. Goal is to bring the interest rate down to a level where the borrower can make sustainable payments.

Provides advocacy and management of individuals' finances, health issues, and other affairs when someone is deemed a ward of the state by a court by either volunteers or professional staff, depending on the complexity of the issues. Emergency guardianship is available if needed. Services provided may include assistance with health care and financial decisions, transportation to and from appointments and assistance with nursing home placement.

Evaluates cases involving mortgage foreclosure where applicant wants to save the home, is living in the home as a primary residence, and the foreclosure is not based on condominium fees. Where applicant is the borrower on the mortgage note or is the surviving spouse, former spouse, or heir of the deceased borrower. Considers cases where tax foreclosure was not filed by the County Treasurer; pre-tax foreclosure where foreclosure has been threatened but not filed yet.

Provides mortgage foreclosure counseling and assists consumers in avoiding predatory loans. Counseling provided by member real estate professionals. Offers information and recommendations so that clients can make appropriate decisions to settle delinquent mortgage payments or to get out of default. In some cases, agency may contact and negotiate with lender on behalf of client in order to resolve the situation. Offers counseling on pre-purchase home counseling, classes to get pre-certified for FHA home purchasing and other housing counseling certificates, budget and credit counseling.

Provides information on financial wellness and an annual Financial Wellness Fair that is free and open to the public.

Offers pre- and post- bankruptcy filing education and counseling sessions.

Offers additional supportive services to graduates of New Directions core programs. Additional services include employment services to help with job search, finding job leads, and resume reviews; individual career counseling; support groups; monthly Meet the Recruiter sessions to meet hiring employers; and complimentary money coaching sessions with financial planners.

Offers a small-dollar loan program designed to assist a household in meeting a financial need while building their credit. Those who access this program will receive a loan of up to $3,500 and make payments over time.

Financial literacy experts bring financial literacy education direct to living rooms across Ohio through Smart Money Choices (SMC) Direct. Now, at your leisure, you can learn about key strategies to increase your financial wellness by visiting the Treasurer's Office website.

Provides assistance to people who are facing foreclosure, behind on house payments and in the stages of the foreclosure process.

Offers classes on practice sound financial management and still supporting your family in a healthy way. Tools are shared to put you in charge of your money rather than having debt and money frustrations be in charge of you.

Bridges Community Action Partnership provides empowerment programs that offer financial education for managing debt, budgeting, and credit repair.

Offers specific services geared to helping older adults make good financial decisions and maintain financial stability as they age; empowering them to age in place with a more secure financial future. Our program can help with the following services: - One-on-One Financial Counseling - Personalized sessions with our trained counselors will help you take a realistic look at your income and expenses and create an action plan tto improve your financial security. Office or in-home counseling sessions by appointment only. - Senior Financial Education Workshops - Seniors are often the targers of financial scams, fraud, abuse and exploitation. Learn how to avoid being taken advantage of by strangers or even someone close you to. ESOP conducts group classes (by request) and public forums using the Money Smart for Older Adults) curriculum developed by the Consumer Financial Protection Bureau and the FDIC. The workshops also cover budgeting, credit scores and how to plan for unexpected life events. - Senior Benefit Resources and Referrals - ESOP is a proud member of the Ohio Benefits Bank. We can assist you with determining what financial benefits you may be eligible for and help you apply for those benefits.

Offers an array of services including foreclosure prevention, credit and budget counseling, financial education, and homebuyer education (including down payment assistance).

Offers representative payee services to clients deemed not able to manage their own Social Security or Disability Income.

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.

Keeps vital records pertaining to ownership in real estate (land) and to all encumberances or liens upon it. Also maintains tract (geographical) indexing.

Seeks to support, strengthen, and empower individuals and families through a broad continuum of community-based services that meet the needs and values of the community.

Provides information and guidance for individuals who are having difficulty meeting their financial obligations and, as a result, are faced with a loss of their credit rating, foreclosure and loss of their home or property, IRS tax audit, or bankruptcy. Offers a Debt Relief Hotline to discuss credit card debt, a Mortgage Relief Hotline to discuss issues about home mortgages, a Tax Relief Hotline to discuss federal income tax audits, and a Bankruptcy Advice Hotline to discuss legal issues regarding bankruptcy.

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.

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.

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