Connects individuals and families to nonprofit member agencies offering telephone, online, and in-person counseling about managing household finances, escaping debt, affordable home ownership, filing bankruptcy, managing student loan debt, and improving credit. People can search the website by zip code for nearest agencies. Member agencies can assist with developing personalized budget plans and Debt Management Plans (DMPs).

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.

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 *Consumer scams or unfair/deceptive practices *Credit reporting, including rental reporting and tenant screening *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 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.

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 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.

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

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 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 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.

Provides one-on-one financial and legal planning for individuals diagnosed with cancer or after the loss of a loved one. Most sessions are 45-60 minutes. - Bankruptcy Consultations: Navigate the filing process and learn about financial options from a professional bankruptcy consultant. - Debt Management Consultations: Obtain information on debt resolution strategies during a comprehensive family budget review. - Financial Planning Consultations: Manage 401K options, insurance, retirement goals, and investments. - Insurance Consultations: Answer questions related to health insurance, long term care insurance, and life insurance. - Social Security & Disability Consultations: Learn about social security and disability benefits. - Wills, Trusts, and Estate Planning Consultation: Receive assistance with estate planning, living wills, wills, medical power of attorney, and trusts.

Evaluates requests for bankruptcy assistance where applicant seeks protection from creditors in the following instances: threat of garnishment or wrongful garnishment, utility shut offs; driver's license suspension, denial of public housing application; income from Social Security or other governmental benefit is being offset due to arrearage of more than $2,000 on federal mortgage.

Providing civil legal assistance for various issues including: bankruptcy, child support/visitation, debt collections, disability benefits, divorce, and driver's license suspensions.

Provides free personal bankruptcy assistance for Americans facing bankruptcy. Enables users to file for Chapter 7 bankruptcy on their own by populating bankruptcy forms for court.

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 *Consumer scams or unfair/deceptive practices *Credit reporting, including rental reporting and tenant screening *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 assistance for people who have cases involving consumer law such as contract disputes, creditor/debt problems, bankruptcies, unfair sales practices, and utility problems.

Provides a wide range of financial assistance, include budgeting, saving, investing, credit report information, identity theft prevention, getting off ChexSystems, checking accounts, bankruptcy advice and counseling.

Provides legal services to low-income residents of Montgomery, Greene, Preble, and Darke Counties. Legal Line provides advice in civil matters, consumer fraud and home repair scams; domestic violence, divorce, and child support; eviction, foreclosure, and other housing problems; health care access; predatory lending; Social Security/SSI; unemployment benefits; and welfare, Medicaid, and food stamps.

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.

Provides pre-bankruptcy filing counseling.

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

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.