Certified Financial Counselors help anyone in the community to better understand their finances, set up a budget, pay down debts, or improve their credit score and borrowing power.

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

- Evictions from mobile home parks.

- Evictions by private landlords.

- Discrimination and disability accommodation (see Fair Housing Project).

- Foreclosure, property tax, and other homeownership issues.

- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Provides customized training, education, community resources and connectivity, as well as a mentor for those served working to become self-sufficient. Participants will be preparing to enter or re-enter the workforce and secure employment with a livable wage. The program targets specific skills and benchmarks around employment preparation, healthy relationships at home and work, financial literacy, and career readiness to work toward employment or preparation for employment in a desired position.

Personalized, organized program to pay down debts based what the individual can afford. Works with creditors to stop collection activities, reduce payments, reduce interest, and get clients out of debt quickly.

Plans focus on financial education and empowerment so that by the time the program is completed, the client is debt free and equipped with the tools to stay out of debt.

Program designed to help individuals create a personalized, long-term transportation plan.

Clients attend a transportation plan workshop to guide them through various ways to prepare and plan for reliable transportation based on their current circumstances, covering key areas like budgeting, financing, savings, and credit improvement.

Offers a 3-week program teaching students about personal finance and money management. Program begins in early June with classes only meeting three times a week in the afternoon. Transportation will be provided to students who need it.

Financial education including monthly workshops to help individuals gain or regain control over their finances. One on one counseling is also available after completing the workshop.

Asset Management Individual Development Account (IDAs) are matched savings accounts which may be used for the purchase of assets such as buying a home, pursuing post-secondary education or vocational training, and starting or expanding a small business.

Opportunity Passport Account program helps youth leaving foster care become financially literate as they gain experience with the banking system. Youth amass assets for education, housing, health care, vehicle, investments and other specified expenses.

Advocacy, including reviewing credit report, preparing financial action plan, assisting with setup of debt repayment schedules, and ongoing review of household budget.

A protective service for limited-income seniors who need help managing their finances. Bill payer volunteers assist individuals who are able to make decisions about their financial affairs but who need help organizing bills and paying them on time.

Representative payee volunteers are appointed by Social Security to receive and manage benefits of a person who is determined incapable of managing his or her own finances. In contrast to the bill payer program, the representative payee signs the checks and has full control of the benefits. They pay bills and make sure the client's needs are being met.

Using an evidence-based poverty alleviation curriculum, individuals attend an 8-10 week long Getting Ahead class in a cohort of 12-14 people meeting once or twice per week, followed by Life Skill Coaching with certified coaches for as long as needed.

Individuals identify resources, tools, and skills needed to remove barriers to success in their lives. Participants, aka "Investigators", investigate the root causes of poverty and how to make changes needed in their lives toward stability and self-sufficiency, through learning soft skills, SMART goal setting, building assets, decreasing debts, increasing salary and wages, learning and discussing hidden rules of economic classes, learning emotional regulation, and much more.

Callers with unsecured debts such as credit cards or medical debt speak directly with trained counselors to discuss programs to reduce payments, interest, and late fees. Under a debt management plan, counselors can contact creditors and reduce payments, interest, and even principal amounts owed. These steps can help families reduce debt and avoid bankruptcy. This service focuses on unsecured debts such as credit cards, medical debts, and personal loans.