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

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 assistance for people who believe that they are victims of unscrupulous lending institutions that have pressured them into signing a loan agreement they cannot afford.

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.

Provides the following legal services for low-income clients with housing issues: Eviction defense and enforcement of tenants' rights; Protection of public housing subsidies; Home ownership, foreclosure, and access to housing; and other issues related to housing rights, including utility shut-offs, predatory lending, and the rights of tenants with disabilities.

Provides representation to low-income clients by 3rd-year law students, operating under the supervision of faculty. Cases handled include consumer home repair, misdemeanor criminal cases (in select suburban courts see eligibility), benefits advocacy, Social Security Disability appeals, health care issues, guardianship removal, and organizations seeking non-profit status. The clinic CANNOT handle family law cases, health care personal injury or malpractice cases, bankruptcy or felonies, does not help with employment law concerns, and does not assist with expunging of criminal records.