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Offers default mortgage counseling to homeowners with FHA loans, conventional loans, and seeks to assist in maintaining properties to prevent foreclosure through negotiating with lenders for mortgage delinquencies. Does not offer cash assistance. Also perform budget analysis in order to educate individuals and prevent homelessness as well as assist families and/or individuals in their transition to permanent housing. Tracks predatory lending.

Provides budget, credit, financial, homebuyer, rental and foreclosure prevention counseling. Support residents with issues regarding homeownership including foreclosure prevention and home maintenance.

Offers shelter placements and assistance with emergency housing needs through the Department of Social Services (DSS) under the auspices of the Nassau County Office of Housing and Community Development (OHCD). Eligible individuals and families can, on an emergency, temporary basis be assisted with shelter and other items of need in order to meet their emergency. The goal is to provide families and individuals with the tools they need to secure a permanent, stable housing, and move as quickly as possible to a stable self-sufficient role in the community. In addition DSS offers assistance to a family or individual who is threatened with eviction or foreclosure, assistance may be available to save the current housing. These emergency programs are: Emergency Assistance to Adults; Emergency Assistance to Families and Emergency Safety Net Assistance. These programs were designed to meet one-time non-recurrent emergency situations. These benefits do have specific eligibility requirements, and each case receives the attention of a worker with specialized knowledge in this area. Applications for eligibility should be made at Department of Social Services as soon as the potential problem becomes known. Call for detailed information regarding all programs and services offered.

Provides credit counseling, housing counseling (Pre/Post Purchase, Mortgage Delinquency), Foreclosure Prevention Services, Student Loan Counseling, Pre Bankruptcy Counseling, Reverse Mortgage Counseling, and debt management for families, with an emphasis on budget development and maintenance while repairing unsecured debts. Also educates families in management of finances.

Course offerings include: Financial Planning Overview; Intermediate Quickbooks; Introduction to Quickbooks; Social Security Optimization and Stocks, Bonds and Investing. Courses vary each semester and are held at various locations. Call for detailed information.

The Nassau County Bar Association provides one-on-one legal consultation with an attorney on any issue regarding mortgage foreclosure. Call for more information or to make a reservation for the next clinic.

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

Will represent debtors in Chapter 13 Proceedings, in which debtors arrange a multi-year payment plan to pay outstanding debts and avoid liquidation. Representation is provided by upper-level law students, working under the close supervision of experienced lawyers who are clinical professors. There is no charge for clinic representation. However, the clinics have limited resources and cannot take every case, no matter how deserving. Clinic staff members meet with potential clients by appointment only. Please do not visit the Law Center unless you have first contacted the Office of Clinical Programs at 631-761-7080 to see if you are eligible. Call for more information.

Provides emergency financial assistance in the form of one month's back rent and/or security to eligible clients. Budget counseling is also available to interested applicants.

Offers counseling to help avoid foreclosure and referrals to nonprofit housing counselors who may be able to assist in negotiating a solution or finding legal services.

A nonprofit law firm that provides free legal aid, including legal representation, advocacy, and other services, to low-income people in 14 counties of Western New York. Provides help with problems relating to housing/homelessness, evictions, foreclosure, domestic violence, orders of protection, family law issues (with referral from the family court), re-entry, unemployment insurance denials, Supplemental Security Income (SSI) denials, government benefits, public assistance, SNAP, and other legal problems. Can also provide community legal education presentations on the topics described above. The Olean Office of LawNY helps qualified clients in Cattaraugus County. ##REENTRY##

Provides civil legal services for mental health consumers, including assistance related to: - SOCIAL SECURITY DISABILITY/SUPPLEMENTAL SECURITY INCOME (SSI): Appeal of benefit denial, Initial SSD/SSI applications, Continuing Disability Review (CDR/Cessations), and Overpayments - PUBLIC BENEFITS: Appeal of benefit denial, termination or suspension of: Temporary Assistance, Food Stamps (SNAP), and Medicaid (MA) - HOUSING LAW: Landlord/Tenant Disputes and Tenant’s Rights, Evictions (Advice & Counsel), and Section 8 Informal Hearings - FAMILY LAW: Uncontested Divorces, Contested Divorces (disputes other than custody or child support) on a case by case basis, Child Support, and Custody/Visitation - CONSUMER LAW: Bankruptcy advisement (Chapter 7), Formal complaints to Attorney General, Creditor Harassment, and Student Loan Discharge advisement (TPD-based on disability) - ADVANCE DIRECTIVES: Power of Attorney, Other/related advanced directives (limited basis)

A nonprofit law firm that provides free legal aid, including legal representation, advocacy, and other services, to low-income people in 14 counties of Western New York. Provides help with problems such as housing/homelessness, evictions, foreclosure, domestic violence, unemployment insurance denials, re-entry, Supplemental Security Income (SSI) denials, and other legal problems. The Jamestown Office of LawNY helps qualified clients in Chautauqua County. ##REENTRY##

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.

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

Provides counseling and representation to homeowners who are facing foreclosure and tenants who are facing eviction due to foreclosure.

* 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 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.

Works with indigent individuals in need of bankruptcy to obtain and analyze their personal and financial histories, prepare bankruptcy petitions and schedules, provide representation at the first meeting of creditors, and address any issues that arise in the case.

Provides supports and raising awareness for community families through one-on-one advocacy, and support, goal setting, budget development and individual attention as well as larger community presentations, increased access to services, and referrals to appropriate community resources.

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 foreclosure prevention workshops.

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