Provides HUD approved educational programs, grants for modest income individuals and families to purchase their first home. Assistance may also be available to income qualified homeowners to make home repairs. Operates 52 rental units for modest income families. Also provides outreach, including foreclosure counseling.

Provides legal assistance to those who are facing bankruptcy, help individuals with opportunities to repair damaged credit, and help individuals understand which kind of bankruptcy to file for with the help of an attorney.

Provides a full budget analysis, alternatives to bankruptcy, and suggestions that may help with current financial situation. Gives a complete overview of the bankruptcy process including advantages and disadvantages for filing bankruptcy. Upon completion of the course, a certificate is provided which is required in order to file for bankruptcy.

Focuses on developing sound money management techniques, gaining financial literacy skills and re-establishing credit after bankruptcy. A Certificate of Completion for this two-hour course is required for bankruptcy discharge.

Offers counseling to help avoid foreclosure and referrals to nonprofit housing counselors who may be able to assist in negotiating a solution or finding legal services.

Offers fellowship support group for individuals suffering from compulsive debting. National office (Debtors Anonymous World Service) located at P.O.Box 920888, Needham, MA 02492-0009. Meetings at various locations throughout Nassau and Suffolk Counties. Call for more information.

Legal problems handled involve basic needs such as housing, health care, food and income. Focus is on entitlement programs such as public assistance, Medicaid, food stamps and SSI as well as on housing problems involving evictions, foreclosure and poor housing conditions. Specialized units include Mental Health Law Project, SSI/Disability Advocacy Project, Domestic Violence Project, Pro-Bono Project, HIV Advocacy, disability discrimination, adult home advocacy, veterans. senior citizens, and homecare advocacy.

The Nassau County Bar Association provides one-on-one legal consultation with an attorney on any issue regarding mortgage foreclosure. Call for more information or to make a reservation for the next clinic.

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.

* Provides comprehensive free telephone counseling to help avoid foreclosure or anyone struggling with their mortgage.

* Trained counselors in foreclosure prevention and will set up a plan of action.

* Provides information on buying a home, renting, foreclosure, credit issues and reverse mortgages.

* 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.

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

Provides emergency financial assistance in the form of one month's back rent and/or security to eligible clients. Budget counseling is also available to interested applicants.

Responsible for taking and processing mortgages and liens for applicants and recipients of some social services. Responsible for paying for and assisting in the scheduling of burials for residents of Onondaga County who die without funds or family to arrange and pay for a burial. Makes claims against personal injury defendants and estates for the recovery of some benefit payments.

Families can speak with an actual attorney to determine if bankruptcy would allow them a fresh start.

Offers solutions by creating a structured payment plan, consolidating bills or credit card debts, eliminate collection calls, reduce payout time and lower monthly payments, etc.

Offers Foreclosure Prevention Counseling as well as First-Time Homebuyer Counseling to Sullivan County residents.

Families suffering under the burden of debt can speak with a real attorney at no charge, to determine if bankruptcy would allow them a fresh start. Also, those falling behind on mortgage payments may discuss how a chapter 13 bankruptcy can stop foreclosure and save the family home.

Processes consumer complaints against insurance companies, agents, brokers and adjusters, answers inquiries concerning insurance and performs certain investigative activities. Conducts investigations, gathers evidence and effects arrests for insurance frauds and related crimes. Educate and protect users of financial products and services, and ensures that users are provided with timely, accurate and understandable information.

Focuses on developing sound money management techniques, gaining financial literacy skills and re-establishing credit after bankruptcy. A Certificate of Completion for this two-hour course is required for bankruptcy discharge.

Provides help to low and moderate income residents on the North Fork of Eastern Long Island acquire affordable housing. Services offered are as follows: referral assistance and information; mortgage acquisition and foreclosure assistance; housing rehabilitation assistance; subsidized housing assistance; loan/grant application assistance; advocacy and counseling; fair housing law assistance; health, safety violations and code enforcement; weatherization referrals; utility payment assistance; legal referrals.

Negotiates lower interest rates and waived late fees with your current creditors so you can pay off debt. Debts can include credit cards, collections, medical debts, payday loans, old utility accounts, and past cell phone accounts.

Offers default mortgage counseling to homeowners with FHA loans, conventional loans, and seeks to assist in maintaining properties to prevent foreclosure through negotiating with lenders for mortgage delinquencies. Does not offer cash assistance. Also perform budget analysis in order to educate individuals and prevent homelessness as well as assist families and/or individuals in their transition to permanent housing. Tracks predatory lending.