Provides housing counseling for landlord/tenant-rights and responsibilities, rent payment increases and eviction situations and mortgage counseling to homeowners. Pre-purchase, pre-rental and mortgage default predatory lending counseling. Call. Appointment required for some counseling.

Represents clients in personal bankruptcy proceedings in federal court and counsel debtors on available alternatives to bankruptcy. 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.

Offers free, one-on-one, professional financial counseling to the residents of Onondaga County. Focuses on improvements in credit, banking, debt, and savings. Operates through partner agency counselors located at several locations in Syracuse. Currently offering services remotely only.

* Provides a free consultation with a bankruptcy lawyer to discuss options for debt relief under bankruptcy protection.

* Determines if bankruptcy will provide a fresh start to eliminate debts, stop foreclosure, or find relief from medical debts and credit card debt.

Offers one-on-one counseling to assist homeowners who are or may need foreclosure prevention assistance through counseling and legal referral services.

Free credit counseling, financial management and assistance negotiating with lenders. Helps individuals and families through saving homes, rebuilding financial solvency or minimizing the community impact of foreclosure. Karen Wheeler, 607-734-9784 ext 2132 Amy Bell, 607-734-9784 ext 2127

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

Provides counseling and legal assistance for clients facing debt collection and victims of predatory lending. Works with farm foreclosures and matters that affect the economic stability of small family farms.

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

Legal representation for low-income individuals, referred by Legal Aid of Mid-New York, needing bankruptcy relief. Assistance includes: obtaining and analyzing personal and financial histories\ preparing bankruptcy petitions and schedules, providing representation at the first meeting of creditors addressing issues arising in the caseCall Legal Aid of Mid-New York, 877- 777-6152, for eligibility screening.

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.

Offers phone and personal one-on-one counseling to help homeowners keep their homes, establish financial stability, and learn strategies to avoid foreclosure proceedings in the future.

TRIP offers housing counseling services free of charge for purchase, default, foreclosure prevention and mortgage counseling.

Provides housing counseling, pre- and post-purchase/homebuyer counseling, foreclosure prevention/default counseling and closing cost assistance.

Provides assistance to low and moderate income homeowners facing foreclosure and settlements.

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.

Assists persons/families in wide range of housing-related services such as pre-purchase counseling for home buyers, pre-rental, rental delinquency, mortgage default, post-occupancy, reverse mortgages, and money management counseling.

Provides assistance to low and moderate income homeowners facing foreclosure and settlements.

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.

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

* 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.

* Works with lenders to arrange an alternative to foreclosure and provide relief to the homeowner services included are:

• loan modifications
• partial claims
• forbearances
• reduce payments and catch up the arrears

* Provides comprehensive free telephone counseling to help avoid foreclosure or anyone struggling with their mortgage. *Offers trained counselors in foreclosure prevention and will set up a plan of action.

Provides legal assistance to those who are facing bankruptcy, help individuals with opportunities to repair damaged credit, and help individuals understand which kind of bankruptcy to file for with the help of an attorney.