Attorneys from Volunteer Lawyers Network spend about 15 - 30 minutes per client providing legal advice and/or brief services including: - Debt and credit issues/bankruptcy - Consumer issues - Housing including tenant/landlord - General civil issues - divorce, child support, child custody - Labor and employment Please note that persons receive free legal advice, not representation, from an attorney. The attorneys are volunteers and may have emergencies that may require them to cancel at the last minute.

- Debt Counseling and Debt Consolidation - Mortgage Default and Delinquency Housing Counseling - First-Time Homebuyer Housing Counseling - Reverse Mortgage Housing Counseling - Home Equity Loan Housing Counseling - Bankruptcy Counseling and Certification - Student Loan Counseling

Helps individuals deal with a variety of financial challenges through the following services: - Bankruptcy Certificates: For individuals planning on filing for Chapter 7 or 13 bankruptcy, a Certified Pre-Filing Counseling Session is provided. For individuals who have recently filed Chapter 7 or 13 bankruptcy, a Certified Post-Filing Debtor Education Course is provided. - Credit Counseling: Individuals with excessive debts can meet with a counselor in person, by phone or correspond online. In-person counseling sessions typically last between 30 - 60 minutes. Phone counseling sessions commonly last about 30 minutes, while online exchanges can take place over several days. Individuals establish financial goals, create a budget, decide the best path for repaying and eliminating debt, repay debt within the next 3-5 years at lower interest rates and consider meeting with a bankruptcy attorney. - Credit Report Review: Receive advice and information on how to improve credit score and meet financial goals. Process can take 20 minutes or last as long as 2 or 3 1-hour sessions. Meet with a certified counselor by phone or via web conferencing. - Debt and Payday Loan Consolidation: Takes all of the unsecured debt an individual owes and combines it into 1 monthly payment. - Debt Management: Put together a personal or household budget; receive clarity regarding a current debt situation; compare current debt repayment options with a debt management program; negotiate new agreements with creditors to lower interest rates, stop late or over-limit fees and start reporting payments as on time rather than late; accept a single payment during the month and disperse it to all creditors per their new agreements. Individuals must have a steady income. - Debt Relief: Reorganization or complete forgiveness of an individual's debt that is owed to outside creditors. Debt accrued, is consoldiated into 1, typically smaller, monthly payment and sent to creditors once they accept a proposal. The account wil be closed to further charging and is paid off in an expedited manner. Once an account is paid in full, the overall monthly payment remains the same, and the additional funds are distributed to the next account in line in order to pay the total debt down as quickly as possible. - Military Debt Relief: Credit counseling; reduce interest rates and stop late and over-limit fees; consolidate debt into 1 lower monthly payment; budget counseling; debt management plans; financial education resources; student loan counseling; bankruptcy counseling and education certificates; housing counseling and home ownership preparation education; credit report reviews and analysis. - Student Loan Counseling: Loan forgiveness, discharge, cancellation and guidance

In partnership with the Minnesota Department of Veterans Affairs (MDVA), the CORE program offers casework, outreach, referral, and education. Behavioral Health Counseling: - Deployment and reintegration support - Diagnostic assessments - Individuals and couple counseling - Family counseling and support - Trauma-focused Behavioral Therapy Caregiver Support Respite: - Caregiver coaching and counseling - Classes and workshops to caregivers - Emergency care planning - Support groups Case Management: - Case management services to create a personalized plan identifying beneficial services and resources based on an individual's situation Financial Counseling: - Budget and financial counseling services - Credit improvement - Debt management - Foreclosure prevention - Homeownership - Student loan counseling Homeless Initiative: - In a collaboration with Minnesota's Heading Home, staff work with homeless veterans to find solutions for short and long-term shelter Veterans Support Groups: - Men's veterans PTSD support group - Women's support groups for family members of veterans

- Administer cases for U.S. bankruptcy court - Trustee receives weekly, monthly, or semimonthly payments from the debtor - Payments are distributed to creditors under plan confirmed by the court

Attorneys from Volunteer Lawyers Network spend about 15 - 30 minutes per client providing legal advice and/or brief services including: - Debt and credit issues/bankruptcy - Consumer issues - Housing including tenant/landlord - General civil issues - divorce, child support, child custody - Labor and employment Please note that persons receive free legal advice, not representation, from an attorney. The attorneys are volunteers and may have emergencies that may require them to cancel at the last minute.

Attorneys from Volunteer Lawyers Network spend about 15 - 30 minutes per client providing legal advice and/or brief services including: - Debt and credit issues/bankruptcy - Consumer issues - Housing including tenant/landlord - General civil issues - divorce, child support, child custody - Labor and employment Please note that persons receive free legal advice, not representation, from an attorney. The attorneys are volunteers and may have emergencies that may require them to cancel at the last minute.

Reduced cost (low bono) legal representation for income eligible persons. Will handle most areas of law including, but not limited to: - Bankruptcy - Consumer issues - Family law - Real estate law - Limited criminal issues

Individuals meet with a lawyer for a 30 minute consultation about bankruptcy, debt collection, garnishment, mortgages, foreclosures, conciliation court, and other consumer problems Clinics located at: - Galaxie Law Library 14955 Galaxie Avenue Apple Valley, MN 55124 - Dakota County Judicial Center Law Library 1560 Highway 55 Hastings, MN 55033

Provides legal services including: - Creditor problems and harassment by bill collectors - Contract-for-Deed issues - Custody and visitation issues - Divorce - Evictions - Family issues - Fuel assistance - Garnishment - Housing code violations - Landlord-tenant issues including leases, evictions, denials of subsidized housing, fair housing, repair issues, etc. - Mortgage foreclosures - Representation for General Assistance, MFIP, Food Benefits, and Medical Assistance - Unemployment compensation - Utilities - Supplemental Security Income Legal Clinics: Virtual advice regarding Bankruptcy, Family Law, and Social Security is available Home visits may be possible Legal Aid does not handle adoption, paternity, or wills, but special circumstance cases are considered Assistance may involve representation, advice, or referral. The demand for services is high and Legal Aid is unable to handle all requests for assistance. There are established case priorities and, in some instances, waiting lists have become necessary to allocate services. Advice appointments may occur in person, on the phone, electronically, at clinics, or outreach.

Provides legal services including: - Creditor problems and harassment by bill collectors - Contract-for-Deed issues - Custody and visitation issues - Divorce - Evictions - Family issues - Fuel assistance - Garnishment - Housing code violations - Landlord-tenant issues including leases, evictions, denials of subsidized housing, fair housing, repair issues, etc. - Mortgage foreclosures - Representation for General Assistance, MFIP, Food Benefits, and Medical Assistance - Unemployment compensation - Utilities - Supplemental Security Income Legal Clinics: Virtual advice regarding Bankruptcy, Family Law, and Social Security is available Home visits may be possible Legal Aid does not handle adoption, paternity, or wills, but special circumstance cases are considered Assistance may involve representation, advice, or referral. The demand for services is high and Legal Aid is unable to handle all requests for assistance. There are established case priorities and, in some instances, waiting lists have become necessary to allocate services. Advice appointments may occur in person, on the phone, electronically, at clinics, or outreach.

Provides legal services including: - Creditor problems and harassment by bill collectors - Contract-for-Deed issues - Custody and visitation issues - Divorce - Evictions - Family issues - Fuel assistance - Garnishment - Housing code violations - Landlord-tenant issues including leases, evictions, denials of subsidized housing, fair housing, repair issues, etc. - Mortgage foreclosures - Representation for General Assistance, MFIP, Food Benefits, and Medical Assistance - Unemployment compensation - Utilities - Supplemental Security Income Legal Clinics: Virtual advice regarding Bankruptcy, Family Law, and Social Security is available Home visits may be possible Legal Aid does not handle adoption, paternity, or wills, but special circumstance cases are considered Assistance may involve representation, advice, or referral. The demand for services is high and Legal Aid is unable to handle all requests for assistance. There are established case priorities and, in some instances, waiting lists have become necessary to allocate services. Advice appointments may occur in person, on the phone, electronically, at clinics, or outreach.

- Financial Counseling for residents of the seven county metro area, primarily Spanish speaking families - Financial literacy workshops for residents of the seven county metro area available in Spanish and English - Housing development for St. Paul's west side - MHFA home improvement loans to residents of seven county metro area - Homebuyer education workshops (HomeStretch) are offered in Spanish and English. This nine hour workshops walks you through the homeownership process. Topics include, savings, credit, affordability

Provides legal services including: - Creditor problems and harassment by bill collectors - Contract-for-Deed issues - Custody and visitation issues - Divorce - Evictions - Family issues - Fuel assistance - Garnishment - Housing code violations - Landlord-tenant issues including leases, evictions, denials of subsidized housing, fair housing, repair issues, etc. - Mortgage foreclosures - Representation for General Assistance, MFIP, Food Benefits, and Medical Assistance - Unemployment compensation - Utilities - Supplemental Security Income Legal Clinics: Virtual advice regarding Bankruptcy, Family Law, and Social Security is available Home visits may be possible Legal Aid does not handle adoption, paternity, or wills, but special circumstance cases are considered Assistance may involve representation, advice, or referral. The demand for services is high and Legal Aid is unable to handle all requests for assistance. There are established case priorities and, in some instances, waiting lists have become necessary to allocate services. Advice appointments may occur in person, on the phone, electronically, at clinics, or outreach.

Provides legal services including: - Creditor problems and harassment by bill collectors - Contract-for-Deed issues - Custody and visitation issues - Divorce - Evictions - Family issues - Fuel assistance - Garnishment - Housing code violations - Landlord-tenant issues including leases, evictions, denials of subsidized housing, fair housing, repair issues, etc. - Mortgage foreclosures - Representation for General Assistance, MFIP, Food Benefits, and Medical Assistance - Unemployment compensation - Utilities - Supplemental Security Income Legal Clinics: Virtual advice regarding Bankruptcy, Family Law, and Social Security is available Home visits may be possible Legal Aid does not handle adoption, paternity, or wills, but special circumstance cases are considered Assistance may involve representation, advice, or referral. The demand for services is high and Legal Aid is unable to handle all requests for assistance. There are established case priorities and, in some instances, waiting lists have become necessary to allocate services. Advice appointments may occur in person, on the phone, electronically, at clinics, or outreach.