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

* Offers the Home Ownership Program (HOP)* Offers Financial Fitness* Offers an 8 hour class in preparation for first home purchase, online or in person.* Offers post-purchase classes for homeowners

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

* Provides assistance to families in need. Services include:

• Referral to community and government services
• Rent assistance
• Transportation related expense assistance
• Utility/Heat assistance

Free debt, budget, credit report and housing counseling to consumers, plus information and counseling on student loans.Housing counseling: mortgage and rent delinquency foreclosure prevention first-time homebuyer reverse mortgage home equity loansDebt management (fee): bring accounts current reduce interest rate waive late and overlimit feesBonded, licensed and registered to operate in all 50 states. Accredited by the Council on Accreditation and an an official U.S. Department of Housing and Urban Development (HUD) housing counseling intermediary.

Emergency Housing Provides comprehensive services to at-risk and homeless households to promote retention and maintenance of safe, affordable housing, access to support services and provides case management.Housing Services Provides housing education, counseling, and budgeting guidance for renters, homeowners and potential homeowners.Transitional Housing Provides supports and financial assistance to victims who have become homeless as a result of fleeing an abusive situation.

* Provides one-on-one financial counseling services. Counselors can assist with developing a plan to pay down debt, budgeting and saving to buy a car or home, improving credit score, accessing low-interest loans, and other financial issues. Counselors are located throughout the city at partner organization sites so clients can access a counselor in a convenient location. For a full list of Rochester FEC locations visit https://www.rochesterfec.org/locations. * COVID-19: During the COVID-19 pandemic the Rochester FEC counseling team is prepared to assist clients with the following: Navigating collection accounts. Calling creditors. Ongoing budget assistance. Exploring student loan options. Help developing saving habits. Educating clients of future savings & options (i.e. retirement, children's education, etc.).

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.

* Offers counseling and education to reduce or eliminate debt.* Contacts creditors and arrange for rate reductions and waive fees.* Offers debt management program with a single payment to take place of several smaller payments.

1 on 1 counseling to assess current financial situations and create goals for the future.Alleviate financial stress

* Offers counseling and education to reduce or eliminate debt.

* Contacts creditors and arrange for rate reductions and waive fees.

* Offers debt management program with a single payment to take place of several smaller payments.

Provides a food pantry and assists with food and other emergencies such as utilities, fuel, and shelter. Also works with families in the area of family development, including budgeting as well as job skills and job search assistance.

Provides fiscial intermediary services for individuals who want to self-direct their OPWDD services.

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

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

Involves working with both renters and homeowners individually to identify why they are at risk of losing their housing, what resources they can access to help, identifying and implementing a plan for the immediate crisis, and planning for prevention of future housing instability

* Offers down payment and closing cost assistance.* Assists with housing rehabilitation for owner-occupants of one to four family houses. Part of rehabilitation loan program House inspection and job cost estimate Written specifications and bid process Advisement in selection of contractors* Offers affordable loan financing and counseling for housing rehabilitation and home improvement loans for non-bankable owner-occupants.* Offers HUD-certified housing counselors on staff to offer free Foreclosure Prevention counseling.

* 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 Medicaid assistance for those who are looking for Home Health Care services in their home. * Assists with the enrollment process into managed long term care programs, and provides home health aides to service the patients in their home. * Lead Fiscal Intermediary for the Consumer Directed/CDPAS Home Care Program.

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

Annual credit report can be requested through the website, by calling the number below, or sending a request form to the address below.

* Medicaid-funded program that allows people with disabilities to hire and train personal assistants to care for them in their homes. CDR serves as a fiscal intermediary, processing payroll for personal assistants and providing support to consumers as they manage their own program of care.

Provides practical education and information about Nutrition, Food Safety, Home Food Preservation, Parenting Education, Financial Management, Housing and Water Quality, and Energy

Can provide the credit counseling and debtor education required for anyone filing for personal bankruptcy.