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Families falling behind on mortgage payments can speak with a housing counselor to discuss methods to stop foreclosure, including loan modification, forbearance plans, or other programs to allow the family to remain in the home and catch up missed payments. This is not a rent assistance helpline.

Credit counseling offered free and confidentially regarding credit card, medical, and other types of debt. Offers budget counseling and a debt management program where many credit card companies will stop or reduce interest and late fees.
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

General Legal Aid
Protective/Restraining Orders
Will Preparation Assistance
Legal Information Services
Veteran Benefits Assistance
Child Custody/Visitation Assistance
Consumer Law
Landlord/Tenant Assistance
Labor and Employment Law
Child Support Assistance/Enforcement
Debt Management
Advance Medical Directives
Tax Information
Legal Representation
Human Trafficking Legal Assistance
Patient Rights Assistance
Discrimination Assistance
Adoption Legal Services
School System Advocacy
Protection and Advocacy for Individuals With Disabilities
Welfare Rights Assistance
Certificates/Forms Assistance
Domestic/Family Violence Legal Services
Helps low-income Americans in financial distress file Chapter 7 bankruptcy at no cost. Combines technology with pro bono attorneys. The legal team includes lawyers, engineers, and judges.

Categories

Debt Management
Housing counseling, foreclosure counseling. Closing cost assistance for homebuyers. Some funds available for households in foreclosure due to COVID.

Categories

Mortgage Payment Assistance
Community Development Corporations
Housing Counseling
Housing Down Payment Loans/Grants
Debt Management

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance
Offers free mortgage counseling for homeowners and will help with a third-party mediation to help get modifications on home loans. Works in conjunction with Iowa Legal Aid if legal services are needed during the advocacy process.

Categories

Mediation
Debt Management
Home Purchase/Mortgage Refinance Loans

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance

Provides free legal advice, brief service and representation to low-income people on areas such as: consumer law, family law, housing law, public benefits, disability benefits, employment/unemployment, public benefits, clearing a criminal history and educational rights.

After contacting one of the hotlines, cases may be referred to Legal Aid local offices for extended representation.

Private Attorney Involvement Program links clients to attorneys in their local area for free legal services in family law matters.

Taxpayer clinics educate low-income taxpayers about their tax rights and responsibilities and how to file for low-income tax credit.

Homeless Assistance Project (Douglas and Lancaster Counties) provides assistance with family law, child support modification, bankruptcy, license revocation, and disability claims.

Migrant Worker program provides civil legal services to migrant farm workers.

Housing counseling assists people who are homeless by making referrals and assessing their legal needs. Assists renters who are having problems getting things fixed, need help with landlord issues, or are facing eviction; work with HUD issues; assist home buyers or home owners with questions, etc.

Assists in the following areas, in addition to the programs already noted: Bankruptcy, Foreclosure, Landlord-Tenant, Utility Shutoffs, Public Benefits, Unemployment, Family Law (including Divorce, Custody/Visitation, Child Support, Domestic Abuse).

Categories

General Legal Aid
Legal Representation
Labor and Employment Law
Child Custody/Visitation Assistance
Housing Counseling
Domestic/Family Violence Legal Services
Certificates/Forms Assistance
Welfare Rights Assistance
Tax Information
Elder Law
Debt Management
Advance Medical Directives
Landlord/Tenant Assistance
Child Support Assistance/Enforcement
Will Preparation Assistance
Legal Information Services
Legal Counseling
Offers credit counseling, debt relief and management through budget and credit counseling restructuring of monthly debt payments. Types of debts in which CCS can be most beneficial to clients are credit card, medical bills, and finance company debts. Target population are clients that generate enough income to cover their monthly living expenses but run short each month on their debt servicing.
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

General Legal Aid
Protective/Restraining Orders
Will Preparation Assistance
Legal Information Services
Veteran Benefits Assistance
Child Custody/Visitation Assistance
Consumer Law
Landlord/Tenant Assistance
Labor and Employment Law
Child Support Assistance/Enforcement
Debt Management
Advance Medical Directives
Tax Information
Legal Representation
Human Trafficking Legal Assistance
Patient Rights Assistance
Discrimination Assistance
Adoption Legal Services
School System Advocacy
Protection and Advocacy for Individuals With Disabilities
Welfare Rights Assistance
Certificates/Forms Assistance
Domestic/Family Violence Legal Services

Provides assistance to individuals who have loans through a payday lending program and/or a car title. Services include a no-interest loan to assist with paying off all or some of the payday or title loan, on-going, intensive one-on-one financial counseling, financial and spiritual support and guidance, and referrals to other social service agencies for additional support.

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Categories

General Legal Aid
Protective/Restraining Orders
Will Preparation Assistance
Legal Information Services
Veteran Benefits Assistance
Child Custody/Visitation Assistance
Consumer Law
Landlord/Tenant Assistance
Labor and Employment Law
Child Support Assistance/Enforcement
Debt Management
Advance Medical Directives
Tax Information
Legal Representation
Human Trafficking Legal Assistance
Patient Rights Assistance
Discrimination Assistance
Adoption Legal Services
School System Advocacy
Protection and Advocacy for Individuals With Disabilities
Welfare Rights Assistance
Certificates/Forms Assistance
Domestic/Family Violence Legal Services

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance
Foreclosure prevention includes one on one sessions with a counselor to review current status and review possible options. Advocacy services including contacting lenders, reviewing documents, and assisting with completing budget.
Debt counseling at low cost.

Budgeting assistance.

Pre-filing bankruptcy counseling.

Help interpreting credit reports.

Housing education and counseling.

Community education and speaker's bureau, educational information for companies experiencing layoffs.

Categories

Personal Financial Counseling
Housing Counseling
Debt Management
Financial Literacy Training

Homebuyer education offers monthly workshops to help potential homeowners prepare for homeownership; one-on-one counseling is also available after completing the workshop.

Advocacy services include preparing mortgage plan, review purchase agreements, review credit reports, and assist with correcting incorrect information on credit reports.

Foreclosure prevention counseling.

Financial education.

Categories

Debt Management
Financial Literacy Training
Housing Counseling
Personal Financial Counseling

Provides free legal advice, brief service and representation to low-income people on areas such as: consumer law, family law, housing law, public benefits, disability benefits, employment/unemployment, public benefits, clearing a criminal history and educational rights.

After contacting one of the hotlines, cases may be referred to Legal Aid local offices for extended representation.

Private Attorney Involvement Program links clients to attorneys in their local area for free legal services in family law matters.

Taxpayer clinics educate low-income taxpayers about their tax rights and responsibilities and how to file for low-income tax credit.

Homeless Assistance Project (Douglas and Lancaster Counties) provides assistance with family law, child support modification, bankruptcy, license revocation, and disability claims.

Migrant Worker program provides civil legal services to migrant farm workers.

Housing counseling assists people who are homeless by making referrals and assessing their legal needs. Assists renters who are having problems getting things fixed, need help with landlord issues, or are facing eviction; work with HUD issues; assist home buyers or home owners with questions, etc.

Assists in the following areas, in addition to the programs already noted: Bankruptcy, Foreclosure, Landlord-Tenant, Utility Shutoffs, Public Benefits, Unemployment, Family Law (including Divorce, Custody/Visitation, Child Support, Domestic Abuse).

Categories

General Legal Aid
Legal Representation
Labor and Employment Law
Child Custody/Visitation Assistance
Housing Counseling
Domestic/Family Violence Legal Services
Certificates/Forms Assistance
Welfare Rights Assistance
Tax Information
Elder Law
Debt Management
Advance Medical Directives
Landlord/Tenant Assistance
Child Support Assistance/Enforcement
Will Preparation Assistance
Legal Information Services
Legal Counseling

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.

Categories

Debt Management
Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance

Provides free legal advice, brief service and representation to low-income people on areas such as: consumer law, family law, housing law, public benefits, disability benefits, employment/unemployment, public benefits, clearing a criminal history and educational rights.

After contacting one of the hotlines, cases may be referred to Legal Aid local offices for extended representation.

Private Attorney Involvement Program links clients to attorneys in their local area for free legal services in family law matters.

Taxpayer clinics educate low-income taxpayers about their tax rights and responsibilities and how to file for low-income tax credit.

Homeless Assistance Project (Douglas and Lancaster Counties) provides assistance with family law, child support modification, bankruptcy, license revocation, and disability claims.

Migrant Worker program provides civil legal services to migrant farm workers.

Housing counseling assists people who are homeless by making referrals and assessing their legal needs. Assists renters who are having problems getting things fixed, need help with landlord issues, or are facing eviction; work with HUD issues; assist home buyers or home owners with questions, etc.

Assists in the following areas, in addition to the programs already noted: Bankruptcy, Foreclosure, Landlord-Tenant, Utility Shutoffs, Public Benefits, Unemployment, Family Law (including Divorce, Custody/Visitation, Child Support, Domestic Abuse).

Categories

General Legal Aid
Legal Representation
Labor and Employment Law
Child Custody/Visitation Assistance
Housing Counseling
Domestic/Family Violence Legal Services
Certificates/Forms Assistance
Welfare Rights Assistance
Tax Information
Elder Law
Debt Management
Advance Medical Directives
Landlord/Tenant Assistance
Child Support Assistance/Enforcement
Will Preparation Assistance
Legal Information Services
Legal Counseling

Homebuyer education offers monthly workshops to help potential homeowners prepare for homeownership; one-on-one counseling is also available after completing the workshop.

Advocacy services include preparing mortgage plan, review purchase agreements, review credit reports, and assist with correcting incorrect information on credit reports.

Foreclosure prevention counseling.

Financial education.

Categories

Debt Management
Financial Literacy Training
Housing Counseling
Personal Financial Counseling