Provides one on one counseling for individual and families to establish financial stability, and help them reach their financial goals.

Services include budget planning, financial education, resource referral, and debt management. Debt management is a renegotiation of the unsecured debts owed by a client with their creditors in order to get better repayment terms such as lower interest rates, waiving or reduction of fees, and re-aging of accounts in exchange for a consistent consolidated monthly payment made by the client. This is NOT a debt settlement program.

An educational program to help families or individuals with their finances by helping them devise a workable budget, analyze spending, assess credit and debt issues. This includes workshops for youth, adults, families one-on-one or in groups.

Financial assistance for job training programs and related expenses available for eligible Bridge Fund clines.

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.

Provides transitioning veterans regular one-on-one sessions with a financial coach in order to link their goals and values to their financial dreams, create an action plan and track progress towards the goals mutually set by them. Phone sessions are available. Funded by The Consumer Financial Protection Bureau. Call for more information.

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.

Offers long-term support and guidance to families who are gradually shifting from government assistance to self-sufficiency. Services include budget counseling and transition support to residents.

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.

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.

ETC provides temporary housing units for Social Services and permanent housing for homeless. Services include financial counseling, legal and family issues, community meals and employment assistance.

Expert guidance to take control of your financial future.

A not-for-profit public interest firm providing free legal services to low-income individuals and families in Western New York. NLS aims to create the greatest access to the justice system for low-income individuals and those living with disabilities to pursue goals that will increase both the stability and the quality of their lives. Offers services in the following areas: - Housing (evictions, unsafe conditions, housing choice vouchers, discrimination, landlord/tenant concerns) - Family (DV, family offense petitions, custody, visitation, divorce, child and spousal support, paternity) - Public Benefits (temporary assistance, SNAP, Medicaid, utility shutoffs, emergency assistance, fair hearings, overpayments) - Medical-Legal Partnership (temporary assistance, SNAP, wills, SSI, Veteran services) - Disability (health insurance coverage issues, denial of services and equipment, SSI, SSDI, benefits advisement, overpayments, Medicaid/Medicare) - Student Loan/Debt Counseling - Health Insurance Navigators (New York State of Health) ##RENTRY##

Works to enhance quality of life, financial stability, and economic independence for individuals and families. Offers one-stop assistance in a confidential environment to community members. Assistance available year round to help families improve financial management skills and succeed in the workforce. Services include: - Benefits Eligibility and Assistance - Financial Education Workshops - One-on-One Financial Mentoring - Banking Assistance - Education and Career Counseling - Resume and Job Development - Homeownership Assistance - College Entrance Assistance - Assistance completing the Federal Application For Student Aid (FAFSA) - Free Community Events - Free Tax Preparation Assistance for income eligible taxpayers (see separate listing for VITA at Buffalo Federation of Neighborhood Centers)

Provides individual, youth, and family counseling, play therapy, co-parenting help for unmarried parents, budget counseling, emergency food assistance, information and referral, advocacy, services to the elderly and their families, and domestic violence classes if mandated by the court. During the holiday season, provides assistance with coats, food vouchers to purchase ingredients for holiday meals, and toys/gifts for families who are not receiving gifts from Toys for Tots or Salvation Army.

People suffering under the burden of student loans learn about the various payment plans, deferment programs and special options available. We provide a complete financial analysis to determine which program best suits the borrower.

Trained volunteers meet with individuals to discuss how to make adjustments to household spending on a reduced income, ideas for negotiating with electric and credit companies and also include one-on-one financial counseling for clients as needed as well as to discuss micro business loans and help with start up costs, capital or expansion. These trained volunteers will work with individuals to address crisis situations (foreclosure, garnishes or repossessions) as well as developing budgets that will ease the strain on finances.

Money Management International are specialists in the areas of money management, credit cards, budgeting, and debt reduction. We offer credit counseling over the telephone, online, and face-to-face at one of our 50+ branches across the nation.

Assists families in becoming as independent and self-sufficient as they possibly can. This can include assistance in employment, education, parenting and nutrition. Financial management and health and safety may also be addressed. Can also coordinate transportation, assist with clothing and counseling referrals.

Provides comprehensive, non-medical services for soldiers and families assigned or attached to the Warrior Transition Battalion and soldiers in the Integrated Disability Evaluation System (IDES), including financial and education counseling, DEERS and ID card assistance, social services coordination, employment support, and transition assistance.

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

Our Financial Literacy Program offers a step by step FREE education financial education on what not to do, how to fix your credit, what loans to choose from, and all the opportunities available at your finger tips. The Financial Capability program identifies the obstacles that prevent people from buying, helps them develop a plan and budget, and monitors the customer's progress towards overcoming the obstacles.

* Provides benefit counseling services to all veterans and their families that include: Case management. Female Veteran Programing. Senior veteran services. Financial counseling. VA benefits counseling. * Offers an employment resource center that aims to help veterans stabilize and re-enter the workforce assistance includes: Resume writing assistance, career counseling, and career assessment. Job readiness and life skills training. Weekly VetNet, networking, and job club group. Occupational skills training classes.* Assists veterans and families to manage their finances and to develop individualized plans to reach their goals.* Provides housing search assistance and temporary financial assistance through Services to Enable Positive Solutions (STEPS) program.* Provides individual and family counseling to veterans and their families.* Offers legal assistance through collaboration with Monroe County Legal Assistance Center. Veterans Treatment Court.* Creates a supportive network for veterans who could benefit from a veteran peer mentor and other community relationships through CompeerCorps.