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.

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.

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

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

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

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

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

We offer mortgage delinquency and default counseling.

Provides legal assistance which may include information, advice, or representation as well as online resources to help with the following issues: *Bankruptcy *Debt collection *Foreclosure *Tax liens *Consumer scams or unfair/deceptive practices *Credit report errors *Student loan debt *IRS Notices, Examinations or Audits, Debts and Collections  *Tax Related Identity Theft and Verification  *IRS Tax Liens, Levies or Garnishments *Problems with Joint Returns, Innocent Spouse, Injured Spouse Status  *Filing Status *Federal Tax Credits including Earned Income Tax Credit, Child Tax Credit, Economic Impact Payment *US Tax Court Cases

Provides free and confidential budgeting and money management counseling; an alternative to bankruptcy; financial counseling; credit counseling; debt management services including negotiating payment arrangements with creditors; does not pay bills; does not make loans; credit report review sessions available for a fee.

Homeport has classes and services available to assist clients with forclosures.

Offers pre-filing counseling and pre-discharge education courses that are required to complete a personal bankruptcy filing. Assistance is provided over the phone. Pre-filing counseling includes a review of income, expenses, assets, and liabilities. Pre-discharge education covers a variety of budgeting and financial topics, such as establishing or re-establishing credit and building a savings plan.

The Making Home Affordable Program (MHA) ® is designed to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy. Depending on the situation, homeowners can lower their monthly mortgage payments; If homeownership is no longer affordable or desirable, there is a program that can provide a way out, avoiding foreclosure; There are also options for unemployed homeowners and homeowners who owe more than their homes are worth.

Provides a service that combines unsecured debt to be paid to creditors by reducing interest rates and stopping fees.

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.

Provides free personal bankruptcy assistance for Americans facing financial distress.

One-on-one coaching available to help distressed homeowners avoid foreclosure as well as negotiate an affordable monthly payment with their mortgage loan servicer. NHP is a HUD approved housing counseling agency.

Homeless Outreach and Case Management, Rapid Re-housing, Emergency Assistance/Basic Needs, First Step Pregnancy Support, Limited transportation for Seniors, Social Work Counseling, HUD housing counseling including Foreclosure Prevention and Pre-purchase education, SSI/SSDI/SOAR Specialist, Prison Re-entry Case Management.

Providing employment services for adults; career awareness, career change, career counseling and career exploration. Assisting with; job information, job search and job placement and prejob guidance, to prepare individuals for self sufficiency. Program also provides transportation volunteer opportunities for workers needing transportation

Classes are free and designed to educate and inform individuals about the default and foreclosure process and include topics such as Financial Fitness, Homebuyer Education, and Foreclosure Prevention.

Offers HUD-certified foreclosure prevention counseling.