Provides one-on-one counseling to learn about money management, budgeting, procedures for correcting personal credit, and other skills to assist in becoming effective consumers.

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 a toll-free hotline that is open 24 hours per day, seven days per week for callers that have low to moderate-income households that are in danger of losing their homes. Callers are connected to a nonprofit counselor who will provide telephone-based budget counseling assistance, customer triage and negotiation with lenders, when appropriate. If more assistance is needed, callers will be referred to a local nonprofit organization whose employees are certified to provide intensive financial counseling and direct consumers to local services and resources, including possible assistance through the Ohio Home Rescue Fund.

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

Provides interest free loans up to $10,000 for people who meet the agency's eligibility requirements. Funds are available for small business, tuition, medical expenses, home improvements (including improvements that increase accessibility in a home), high-interest (predatory) debt on funds borrowed from other sources, and a variety of other needs. May include multiple debts into one loan request as long as amount requested does not exceed $10,000. Checks are written to the organization that is owed, not to the individual.

Provides counseling, education, and advice on housing issues: *Mortgage Delinquency and Foreclosure Prevention *First Time Home Buyer Counseling and Education *First Time Renter

Trained specialist will work one on one with individuals to create a budget that will help them get out of debt, deal with debtors, and help them pay bills on time.

Offers classes on a variety of topics including budgeting, saving, improving credit, workforce literacy (prejob guidance, life skills, etc.) computer training and preparing for home ownership. One on one counseling in these areas is also available upon request.

Provides assistance to adults ages 19 and above and U.S. veterans to enroll in and complete a post-secondary education program

Provides self-help assistance, methods and tools to people who want to improve their understanding of the consumer credit lending and collections systems, repair poor credit ratings, and improve credit ratings.

Provide temporary shelter for single women and women with children who are homeless. Length of stay is 30 days with goal of moving to stable housing. Assistance with finding permanent housing and other resources.

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.

Default Counseling and Foreclosure Prevention. As a HUD certified counseling agency, we work with you and your lender to save your home. Home Buyers Workshops - We offer comprehensive housing seminars to prepare attendees for home ownership Homelessness Counseling and Rental Counseling to prevent homelessness Reverse Mortgage Counseling to explore the Home Equity Conversion Mortgage as a home equity option for seniors over 62 years of age.

Offers one-on-one assistance with a financial planner to help clients reach their financial goals by discussing debt reduction, credit repair, tax issues, budgeting, saving, and so forth.

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 programming from a Chabad - Chassidic philosophy to assist family members, couples, and individuals to understand preparation for marriage, home maintenance traditions, sexual relations, child development and money management. Rabbis provide one-to-one, couples, or family counseling on a variety of problem areas.

Provides information, advice, or representation to low income individuals with legal problems including consumer debt collection, domestic violence, divorce, child support, education issues (involving discrimination, student enrollment or suspension, and special services), eviction and other housing problems, federal tax controversies, healthcare, healthcare advance directives, financial powers of attorneys, simple wills, public benefits, sealing an adult criminal record, and social security/SSI.

Offers a variety of programming and classes available to the community including but not limited to: arts and crafts instruction, computer classes, babysitting instruction, dance classes, foreign language instruction, gardening classes, musical instrument training, financial planning, small business development, cooking classes, and dog obedience.

Provides a home loan guaranty benefit and other housing-related programs to help veterans buy, build, repair, retain, or adapt a home for their own personal occupancy. Veterans Affairs (VA) Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide more favorable terms to veterans. In most cases, the mortgage is low interest and no down payment or mortgage insurance payments required. Will provide mortgage counseling to participating veterans who are having difficulties with paying their mortgage or who may already be in default. Mortgage counselors will provide information concerning the foreclosure process and what the veteran's rights and responsibilities are in that situation. Will attempt to seek solutions with the lender to help the veteran keep the home and will take complaints from veterans against their mortgage provider.

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.

Dealing with rental issues can be a confusing process. Offers experienced counselors that can help clients develop a budget and create realistic expectations as a first time renter. Individuals who are currently renting and struggling with monthly expenses can work with counselors to develop a plan to get back on track

Provides services to Deaf and Hard of Hearing in Clark and surrounding counties. Services include: assistance to deaf individuals who need help understanding and managing tasks that require English, such as bills, letters and phone calls, working with bureaucratic entities such as HUD and OJS, and appointments (e.g. with a doctor); basic adult education groups to improve daily living skills such as managing money, health equity, navigating transportation, and making effective use of technology; vocational assistance to those who would like help finding employment; social events to communicate with one another prevent isolation; and workshops open to deaf and hard of hearing and family and friends on issues of importance to the deaf community.

Provides individualized financial management to those who are unable to manage their own financial affairs due to a disability or for those who just need help in effectively handling their fiscal matters. Payee Services assists clients to better understand and meet their financial obligations and helps each individual establish a budget to manage monthly expenses. As the named payee for the person’s income, Payee Services accounts for all income and pays monthly bills on time on behalf of the client. Our services help people avoid getting behind or building debt that can not be resolved.

Available for those individuals that are unable to manage their financial affairs due to poor health or other problems. Services are also provided to those individuals confined to nursing homes or other institutions of care. Services provided are maintenance of income, banking, budgeting, shopping, and case management.

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