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

Offers information and resources to assist homeowners who are in default or in danger of default on their home loan. Provides referrals to available resources, including HUD-certified counseling agencies and Legal Aid organizations.

Provides assistance for people who have cases involving consumer law such as contract disputes, creditor/debt problems, bankruptcies, unfair sales practices, and utility problems.

Assists homeowners who are behind in their mortgage to remain in their homes and regain financial stability. Services vary based on the needs of the individual and/or family, but can include mediation, negotiation with lender, help accessing utility payment assistance programs, and financial counseling.

Conducts an assessment of a homeowner's financial situation and assists with development of a plan to address homeownership and financial issues, including foreclosure avoidance.

Collects delinquent taxes in real estate, manufactured homes, personal property, bankruptcy and foreclosure. Suggests possible benefits and alternative payment plans. Considers requests for penalty forgiveness in extenuating circumstances. Provides information on annual tax lien sales for taxpayers and potential buyers. Will explain your tax bill, suggest any tax reductions for which you might qualify, setup monthly payment plans while stopping further interest and penalties from being added and explain the process for appeals.

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 pre and post financial counseling to those filing for bankruptcy and required by the courts. During pre-bankruptcy counseling, a certified credit counselor will review the financial situation, explore available options, and provide an overview of the bankruptcy process. Post bankruptcy counseling covers topics such as: rebuilding finances after bankruptcy, developing a budget, understanding /using / rebuilding credit, predatory lending and identity theft.

Program can help even if you have missed several payments or have received foreclosure documents. Goal is to provide the tools necessary to maintain home ownership by identifying the cause of default or delinquency, and reviewing intervention strategies and budgeting skills.

Offers information and resources to assist homeowners who are in default or in danger of default on their home loan. Provides referrals to available resources, including HUD-certified counseling agencies and Legal Aid organizations.

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.

Offers mortgage foreclosure assistance for individuals and families who are in danger of foreclosure or have already been foreclosed upon. Provides counseling for clients who are facing foreclosure due to property tax defaults. Assesses each case and then determines if a staff or volunteer attorney can be assigned to the client.

Provides legal assistance in the following housing areas: wrongful evictions and landlord/tenant disputes, foreclosures, public housing and Section 8 disputes, housing discrimination, utility shut-offs, and other housing-related issues.

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

Provides advice and representation in some limited bankruptcies when loss of home or income garnishment are threatened. Advice and representation may also be available in matters such as auto repossession, bill collection, unfair and deceptive practices, garnishments, home improvement problems, used car sales, auto repair, credit reporting, and student loan payments.

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 legal assistance with filing bankruptcies, cases involving debt collectors, garnishments and repossessions, student loan discharge and collection issues, credit reporting problems, auto purchase and loan problems, payday loans and other lending issues. Also handles a variety of civil issues for those who meet eligibility requirements.

Assists residents with housing issues through the following: * Fair Housing Project - Operates the Fair Housing Hotline in Trumbull County (call HelpLine to connect) and makes referrals to the Ohio Civil Rights Commission. Educates public officials, landlords, realtors, government, social service agencies, and the general public about fair housing laws. * Homeownership Project - Assists homeowners facing foreclosure with improving their financial situation and asserting rights in foreclosure proceedings. * Neighborhood Law Project - Promotes economic development in historically disadvantaged neighborhoods. Provides legal advocacy and supports grassroots efforts focused on social justice and racial equity. * Tenant Assistance Project - Assists low-income renters with maintaining their home, improving living conditions, and asserting rights in eviction proceedings. Also provides advocacy around right-to-counsel in eviction cases and sealing of past eviction cases.

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.

Program that can help homeowners with higher income levels. A family of one can make $103,000 yearly and still qualify for assistance with Property taxes, homeowner's fees, and utilities.
Utilities include: Natural gas, electricity, bulk fuel, water, sewer, trash removal, broadband internet, and disconnection and reconnection fees.

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 information, guidance, and/or legal representation for people who believe that they are victims of unscrupulous lending institutions.

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.

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

Provides legal assistance which may include information, advice, or representation as well as online resources to help with the following issues: *Eviction *Grievance/Informal meeting (if you have rent-subsidized housing) *Lockouts by landlord without court order *Utility shutoff by landlord without court order *Retaliation by landlord *Concerns related to domestic violence *Discrimination based on protected classes (race, color, national origin, religion, sex, familial status, disability) *Lead poisoning issues *Mobile home tenant and owner issues *Foreclosures *Land contract issues *Eviction record sealings *Security Deposits *Conditions/Rent Escrow issues *Small Claims lawsuit by landlord