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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.

Offers budget and debt counseling to those who need help with budgeting, money management skills, and credit issues.

* 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.

Lawyers provide free civil (non-criminal) advice, counseling, advocacy, and representation to low-income individual clients/groups.

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

Assists with consumer legal issues including bankruptcy, frozen bank accounts, debt problems, student loans, ID theft, car problems, and utility shutoffs.

* Provides financial education, counseling services and debt relief to consumers.

* 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.

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 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.

* Offers consumer education and counseling for money and debt management. Debt management and consolidation Bankruptcy counseling Budget and credit counseling Financial education Foreclosure prevention counseling Reverse mortgage counseling Mortgage delinquency and default resolution counseling First-time homebuyer counselingRental counseling* Offer assistance to help low-to moderate-income clients qualify for affordable car loans with local lending partners through, Driven2Success program.

Provides credit/debt, budget, and housing counseling free of charge to consumers throughout New York. Counselors can help an individual with: Understanding their financial situation and goals Explaining debt management options Offering recommendations for how to get out of debt Developing a personalized action plan

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.

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.

Offers debt relief programs to help consumers establish a solid financial future by eliminating their current challenges on favorable terms. For homebuyers, we provide a home buyer education certificate course online. We also offer reverse mortgage (HECM) counseling for senior homeowners. Additionally 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.

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 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, child support, custody, visitation, family offenses, divorce, discrimination, bankruptcy, housing problems, and name change.

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 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.

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.

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.