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.

Focuses on creating asset development opportunities for both residents and entrepreneurs. Assists individuals in growing and investing in their communities by providing lending capital, training, consulting, technical assistance, seminars, workshops, and low-cost business rental space to new and existing businesses that would otherwise lack access to these services. Assists area residents in developing asset based thinking by providing financial literacy training, basic budgeting, and home appliance loans to combat predatory lenders. Loan programs and Cottage Industry Assistance Program target low to moderate income existing and prospective individuals. Chautauqua Microenterprise Loan Fund and the Women and Minority Microenterprise Loan Fund Programs help small businesses by providing small business start up and expansion loans. The small business incubator offers small businesses an opportunity to grow and stabilize with subsidies around rent, business services, and technical assistance. Program site serves as a Warming Center during times of excessive cold and as a Cooling Center during times of excessive heat. Always call ahead to make sure a Warming/Cooling Center is open before going there.

Focuses on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

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)

Provides services to help individuals make better decisions about their finances and housing finances and to help others who need help with debt or credit card problems. Services include, debt management, credit counseling, housing counseling, credit card debt, and personal finances.

Provides prepurchase/first time homebuyers counseling, default delinquency counseling, budget counseling, housing assistance (Section 8 eligible), landlord/tenant assistance, reverse mortgage counseling (senior program) and referrals to other housing and non-housing agencies.

A pro se clinic in which attorneys and paralegals assist clients with a Chapter 7 bankruptcy filing. The clinic's goal is to help in the preparation of the bankruptcy petition to ready clients to represent themselves in front of the bankruptcy court.

Provides legal assistance in foreclosure matters, especially for those with subprime and non-traditional loans.

Provides listing of HUD certified, home counseling agencies for current and prospective home buyers and renters.

Eviction Assistance: Provides help to low income who are qualified for subsidized housing and section 8 choice vouchers. For those who may not be qualified for subsidized/section 8, provide older adults, veterans, domestic violence, LGBQT, breast cancer, or individuals diagnosed with AIDS who may be a target for eviction. Landlord/Tenant Dispute Resolution: Aids individuals struggling with their landlord for reasons ranging from eviction, living conditions, recurring problems, etc. Foreclosure Assistance: helps advocate for individuals with mortgage foreclosure with guidance through the legal process and representation, if needed.

LAS provides services to aid in foreclosure prevention, tax foreclosure, predatory lending or other related foreclosure issues.

Provides legal assistance in foreclosure matters, especially for those with subprime and non-traditional loans.

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.

Eviction Assistance: Provides help to low income who are qualified for subsidized housing and section 8 choice vouchers. For those who may not be qualified for subsidized/section 8, provide older adults, veterans, domestic violence, LGBQT, breast cancer, or individuals diagnosed with AIDS who may be a target for eviction. Landlord/Tenant Dispute Resolution: Aids individuals struggling with their landlord for reasons ranging from eviction, living conditions, recurring problems, etc. Foreclosure Assistance: helps advocate for individuals with mortgage foreclosure with guidance through the legal process and representation, if needed.

Focuses on creating asset development opportunities for both residents and entrepreneurs. Assists individuals in growing and investing in their communities by providing lending capital, training, consulting, technical assistance, seminars, workshops, and low-cost business rental space to new and existing businesses that would otherwise lack access to these services. Assists area residents in developing asset based thinking by providing financial literacy training, basic budgeting, and home appliance loans to combat predatory lenders. Loan programs and Cottage Industry Assistance Program target low to moderate income existing and prospective individuals. Chautauqua Microenterprise Loan Fund and the Women and Minority Microenterprise Loan Fund Programs help small businesses by providing small business start up and expansion loans. The small business incubator offers small businesses an opportunity to grow and stabilize with subsidies around rent, business services, and technical assistance. Serves as a Warming Center during times of excessive cold and as a Cooling Center during times of excessive heat. Always call ahead to make sure a Warming/Cooling Center is open before going there.

Provides help for homeowners who are either currently in either mortgage or tax foreclosure or for whom foreclosure is imminent. For those facing foreclosure, efforts are coordinated with local housing counseling agencies and banks to address financial and employment issues and to secure mortgage modifications, repayment plans, or forbearances before the initiation of any legal process. For those who have been served, LABB represents homeowners in active foreclosure proceedings.

Offers solutions by creating a structured payment plan, consolidating bills or credit card debts, eliminate collection calls, reduce payout time and lower monthly payments, etc.

Offers free debt counseling services on topics including debt analysis, managing finances, lowering interest rates, and personal budget planning.

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

Provides information workshops with regard to foreclosure prevention and one-on-one counseling for borrowers in foreclosure. Offers assistance in payments of mortgage, utility, property tax and water service. Services include negotionation with lenders, services for loan modifications, budget counseling, and legal services may be provided.

Clients receive budget counseling, debt management and credit restoration services via Certified Credit Counselors. We prepare an action plan to reduce debt and improve credit scores.

Creates partnerships with local governments, non profit organizations, borrowers and lenders to help families overcome obstacles that could result in the loss of their homes. The Homeowner's Hope Hotline provides advice, assistance and support to individuals and families who are struggling financially and at risk of losing their homes. The foundation also helps open the lines of communication between homeowners, their lenders, and available community resources. Part of the Hope Now alliance of HUD aproved counseling agents, Mortgage companies, investors and other mortgage market participants that provide free foreclosure prevention assistance.

The HOPP (Homeowners Protection Program) approved counseling agency offers any individual facing home foreclosure information, advice and assistance with the loan modification process, pre-foreclosure and foreclosure procedures.

Provides financial literacy and credit education to consumers through seminars and workshops. Provides these seminars free of charge to high schools, libraries, colleges and community groups.