A not for profit HUD Approved Housing Counseling agency that provides pre- and post-purchase counseling, foreclosure prevention, and rental counseling to landlords and tenants. Offers the following programs: - First Time Homebuyers Program - Foreclosure Prevention - Home Equity Conversion Mortgage Counseling / Reverse Mortgage Counseling - Landlord Training - Rental Registry - Tenant Education - DHS Inspections

Provides free legal representation in eight Western New York counties in the areas of: - Assisted Living - Evictions - Consumer Protection - Elder Abuse Prevention - Foreclosure Prevention - Health Care Advocacy - Housing - Income Maintenance - Substituted Decision Making - Western New York Coalition Pooled Trust

Creates partnerships with local governments, non profit organizations, borrowers and lenders to help families overcome obstacles that could result in the loss of their homes. The Homeowner's Hope Hotline provides advice, assistance and support to individuals and families who are struggling financially and at risk of losing their homes. The foundation also helps open the lines of communication between homeowners, their lenders, and available community resources. Part of the Hope Now alliance of HUD aproved counseling agents, Mortgage companies, investors and other mortgage market participants that provide free foreclosure prevention assistance.

Provides budget, credit, financial, homebuyer, rental and foreclosure prevention counseling. Support residents with issues regarding homeownership including foreclosure prevention and home maintenance.

Provides free legal representation in eight counties of Western New York. The Chautauqua County office offers legal services in the areas of: - Assisted Living - Evictions - Consumer Protection - Elder Abuse Prevention - Foreclosure Prevention - Health Care Advocacy - Housing - Income Maintenance - Substituted Decision Making - Western New York Coalition Pooled Trust Also houses the Elder Advocacy Program, a cross-systems community collaboration to address elder abuse. The Elder Advocacy Program acts as a single point-of-entry for elder abuse survivors, assessing their needs and providing appropriate legal and non-legal services to end abuse and empower survivors.

Offers debt relief programs to help consumers establish a solid financial future by eliminating their current challenges on favorable terms. Also focuses on preventing financial issues and helping individuals develop strong core competencies in personal finance. Services include free credit counseling, debt management, financial workshops and webinars, student loan counseling, and bankruptcy certificate services.

Free debt, budget, credit report and housing counseling to consumers, plus information and counseling on student loans.Housing counseling: mortgage and rent delinquency foreclosure prevention first-time homebuyer reverse mortgage home equity loansDebt management (fee): bring accounts current reduce interest rate waive late and overlimit feesBonded, licensed and registered to operate in all 50 states. Accredited by the Council on Accreditation and an an official U.S. Department of Housing and Urban Development (HUD) housing counseling intermediary.

Provides civil legal services regarding housing issues, consumer problems, income security/benefits, and language access.

* Provides a free consultation with a bankruptcy lawyer to discuss options for debt relief under bankruptcy protection. * Determines if bankruptcy will provide a fresh start to eliminate debts, stop foreclosure, or find relief from medical debts and credit card debt.

* Offers counseling and education to reduce or eliminate debt.

* Contacts creditors and arrange for rate reductions and waive fees.

* Offers debt management program with a single payment to take place of several smaller payments.

Counseling for homeowners in mortgage default or delinquent with mortgage payments.

Provides credit/debt, budget, and housing counseling free of charge to consumers throughout New York. Counselors can help an individual with: Understanding their financial situation and goals Explaining debt management options Offering recommendations for how to get out of debt Developing a personalized action plan

Provides a program designed to help homeowners remain in their homes by preventing and/or delaying foreclosure. Cases covered include mortgage foreclosure, tax foreclosures, and tenants being evicted due to foreclosure.

* Offer home ownership counseling and credit counseling to first time home buyers.* Provides comprehensive foreclosure prevention counseling.* Offers financial literacy classes.

TRIP offers pre and post purchase housing and financial programs and services to assist first time home-buyers and current homeowners to be successful over the long term. Services include individual housing and financial counseling, home-buyer education classes, foreclosure prevention services, landlord training, home repairs, and more.

Provides services to aid in foreclosure prevention, tax foreclosure, mortgage payments, predatory lending or other related foreclosure issues.

Assists persons/families in wide range of housing-related services such as pre-purchase counseling for home buyers, pre-rental, rental delinquency, mortgage default, post-occupancy, reverse mortgages, and money management counseling.

* Offers free civil legal services to low-income residents: Education Law. Foreclosure prevention. Health care access. Health care insurance. Medicaid (for clients outside of the LawNY coverage area). Social Security Law & SSI/SSD. Victims of crime. Civil Rights/Discrimination.Tenant Rights.

Can provide the credit counseling and debtor education required for anyone filing for personal bankruptcy.

Works with indigent individuals in need of bankruptcy to obtain and analyze their personal and financial histories, prepare bankruptcy petitions and schedules, provide representation at the first meeting of creditors, and address any issues that arise in the case.

* Provides a variety of services to ensure that residents, regardless of income, are able to sustain safe and affordable housing. Foreclosure Prevention Services - Homeowners delinquent in their mortgage payments or in jeopardy of foreclosure can receive counseling to examine their budget, explore their options and establish an action plan. Certified Counselors assist with setting up repayment plans, loan modifications, short payoffs and deed in lieu of foreclosure. There is no fee for these services. Online Homebuyer Education Classes - Provides classes online through eHome. Upon completion clients will schedule a short session with an Agency housing counselor to answer any remaining questions and receive their certificate. Rental Counseling - Provides assistance in securing rental housing or negotiating issues with their current landlord. Credit Counseling.

Lawyers provide free civil (non-criminal) advice, counseling, advocacy, and representation to low-income individual clients/groups.

Offers assistance to homeowners who are facing foreclosure and are in need of legal advice and representation.