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)

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.

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 individuals who may be considering bankruptcy with a basic explanation of the different chapters under which a bankruptcy case may be filed and to answer some of the most commonly asked questions about the bankruptcy process.

The Debt Management Program (DMP) gives participants a personalized, structured, repayment plan to address each creditors requirements. Unlike a bankruptcy or debt settlement, clients repay 100% of the original debt over several years.

Provides financial education, counseling and ongoing support to consumers nationwide, helping them to develop the tools they need to better manage their debt. Counselors offer individual financial analysis, budget counseling, financial goals and guidance. Also offers a debt management program including lower interest rates and payments on credit cards. Bankruptcy and housing counseling are also available.

The consumer will be asked to provide information about income, household expenses and debts so a full budget analysis can be made. Alternatives to bankruptcy will be explained along with any options that may help the financial situation. A complete overview of the bankruptcy process including advantages and disadvantages of bankruptcy will be provided. Clients that complete this counseling will be issued a certificate which is required for filing a bankruptcy.

Assists and advises debtors in representing themselves in court and filing all the necessary court paperwork related to debt. Program can help people who may have collections issues, wage garnishments, frozen bank accounts, debt court cases or judgments related to credit card debts, medical debts, student loans, car loans, utilities collections, lines of credit, charge accounts, and foreclosures.

Provides free civil legal services for individuals who are HIV positive or who have an HIV positive family member, including but not limited to: end of life planning, care and custody planning, unemployment, social security, public benefits, child support, custody, visitation, family offenses, divorce, discrimination, bankruptcy, housing problems, and name change.

Various programs focus 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.

Focuses on developing sound money management techniques, gaining financial literacy skills and re-establishing credit after bankruptcy. A Certificate of Completion for this two-hour course is required for bankruptcy discharge.

Provides the legally required Bankruptcy Counseling and issuing of the certificate needed prior to filing for bankruptcy.

Provides a full budget analysis, alternatives to bankruptcy, and suggestions that may help with current financial situation. Gives a complete overview of the bankruptcy process including advantages and disadvantages for filing bankruptcy. Upon completion of the course, a certificate is provided which is required in order to file for bankruptcy.

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.

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.

The Debt Management Program (DMP) gives participants a personalized, structured, repayment plan to address each creditors requirements. Unlike a bankruptcy or debt settlement, clients repay 100% of the original debt over several years.

Provides a full budget analysis, alternatives to bankruptcy, and suggestions that may help with current financial situation. Gives a complete overview of the bankruptcy process including advantages and disadvantages for filing bankruptcy. Upon completion of the course, a certificate is provided which is required in order to file for bankruptcy.

Offers debt relief programs to help consumers establish a solid financial future by eliminating their current challenges on favorable terms. Also focuses on preventing financial issues and helping individuals develop strong core competencies in personal finance. Services include free credit counseling, debt management, financial workshops and webinars, student loan counseling, and bankruptcy certificate services.

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.

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.

Assists and advises debtors in representing themselves in court and filing all the necessary court paperwork related to debt. Program can help people who may have collections issues, wage garnishments, frozen bank accounts, debt court cases or judgments related to credit card debts, medical debts, student loans, car loans, utilities collections, lines of credit, charge accounts, and foreclosures.

Provides civil legal services regarding housing issues, consumer problems, income security/benefits, and language access.