Allows clients to establish an affordable repayment plan with their creditors. MMI acts as an intermediary, negotiating lower monthly payments and reducing/waiving interest rates and penalty fees.

Provides pre-purchase home buyer classes and counseling help clients decide whether homeownership is the best decision for them. These classes and counseling may also qualify clients for substantial down payment assistance programs.

Foreclosure avoidance and default intervention counseling is designed to help with whatever options there may be to save clients' homes, or get caught up on payments.

Reverse Mortgage Counseling is available for seniors desiring to stay in their homes by using their equity to produce lump sums for current needs, annuity payments and lines of credit for ongoing needs.

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. Calls and advice are free. If a caller should hire or work with an attorney to file for bankruptcy, filing fees are set by the state

Provides pre-purchase home buyer classes and counseling help clients decide whether homeownership is the best decision for them. These classes and counseling may also qualify clients for substantial down payment assistance programs.

Foreclosure avoidance and default intervention counseling is designed to help with whatever options there may be to save clients' homes, or get caught up on payments.

Reverse Mortgage Counseling is available for seniors desiring to stay in their homes by using their equity to produce lump sums for current needs, annuity payments and lines of credit for ongoing needs.

Provides pre-filing counseling about filing for bankruptcy and pre-discharge education.

Provides volunteers to make home visits to the older person's home in order to assist with things such as check writing, bill paying, checkbook balancing, and general money management.

Provides basic life necessities that helps keep clients in their homes.

MORE is not able to provide unlimited funds to anyone; however, it is available to provide advice and, if available, some funds to those facing eviction or utility shut-offs. The MORE Center is also a facilitator for Salvation Army assistance.

Those facing eviction or utility shut-off (gas, electric) may visit the MORE Center during regular hours to receive an application. Must provide proof of residence, all family income, 5 day notice to vacate or utility shut-off notice, social security number, and any other pertinent documentation. A case worker will call back to evaluate immediate needs and advise on a course of action.