Assists and advises debtors in representing themselves in court and filing all the necessary court paperwork related to debt. Program can help people who may have collections issues, wage garnishments, frozen bank accounts, debt court cases or judgments related to credit card debts, medical debts, student loans, car loans, utilities collections, lines of credit, charge accounts, and foreclosures.

Assists and advises debtors in representing themselves in court and filing all the necessary court paperwork related to debt. Program can help people who may have collections issues, wage garnishments, frozen bank accounts, debt court cases or judgments related to credit card debts, medical debts, student loans, car loans, utilities collections, lines of credit, charge accounts, and foreclosures.

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.

* Provides comprehensive free telephone counseling to help avoid foreclosure or anyone struggling with their mortgage. *Offers trained counselors in foreclosure prevention and will set up a plan of action.

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

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 home owner services to first time homebuyers as well as current homeowners. Tenant Education, including information on tenant rights and resources. Guidance for senior homeowners, including counseling on Home Equity Conversion Mortgages. Foreclosure prevention. Homeowner repair grants information (Housing council doesn't provide grants but can help in finding information).* Offers landlord services such as courses to help better manage their properties and Paint lead safety, provides free and low cost publications and forms to help them manage relationships with tenants.* Schedules inspections for Landlords accepting LTSA's (Landlord Tenant Security Agreement). * Offers information and referral hotline for homeownership and rental related questions.* Provides a rental registry with available housing units for rent. The list is updated every Tuesday and Thursday and is available on the website. The registry cannot be mailed.* Member of the Healthy Homes Partnership.* Additional information on current programs available on agency website. Does not provide financial assistance for rent or security deposit.

* 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.

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

* Provides counseling on Foreclosure prevention for homeowners who are behind on their mortgage or proterty tax payment.

TRIP offers housing counseling services free of charge for purchase, default, foreclosure prevention and mortgage counseling.

Free credit counseling, financial management and assistance negotiating with lenders. Helps individuals and families through saving homes, rebuilding financial solvency or minimizing the community impact of foreclosure. Karen Wheeler, 607-734-9784 ext 2132 Amy Bell, 607-734-9784 ext 2127

Offers budget and debt counseling to those who need help with budgeting, money management skills, and credit issues.

Offers one-on-one counseling to assist homeowners who are or may need foreclosure prevention assistance through counseling and legal referral services.

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.

Offers referrals to government agencies, legal aid entities and other non-profit organizations for information about foreclosure while caller is working with lender during this process.

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 one-on-one housing counseling for any homeowner in default or foreclosure or in danger of either. Offers face-to-face counseling to review of household budget, explanation of options, advocacy with lender/servicer and referral for legal services.

Offers phone and personal one-on-one counseling to help homeowners keep their homes, establish financial stability, and learn strategies to avoid foreclosure proceedings in the future.

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

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

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

* Offers consumer education and counseling for money and debt management. Debt management and consolidation Bankruptcy counseling Budget and credit counseling Financial education Foreclosure prevention counseling Reverse mortgage counseling Mortgage delinquency and default resolution counseling First-time homebuyer counselingRental counseling* Offer assistance to help low-to moderate-income clients qualify for affordable car loans with local lending partners through, Driven2Success program.