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

- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

Provides one-on-one assistance to help individuals navigate their finances, improve their financial goals, and navigate the financial systems. Services include: - Create and improve credit - Financial coaching by appointment - Financial management skills - Help navigate financial processes and applications - Home Stretch Homebuyer Workshop: An 8-hour workshop that educates and informs future homeowners to help them understand the homebuying process. The training includes information about the process of buying a home and access to down payment programs. - Gain access to supplemental resources such as the Lending Circles (Tandas) program. The Lending Circles program provides a secured loan, without cost or interest, to establish or build credit and improve the way individuals manage money. - Small business support for entrepreneurs or those interested in becoming business owners. Offers support to business owners by evaluating and organizing their finances. - Tax preparation for people with low or medium income during the tax season

Legal services may include: legal advice, review court papers, assist in drafting paperwork, mediate, negotiate, litigate, and/or represent at an administrative law or district court hearing LSNM assists people with low incomes and issues critical to daily life. Cases including: - Consumer: threats or harassment by a creditor or debt collector, paycheck or bank account being garnished, and utilities shut off - Education: children with a disability and need an Individualized Education Program (IEP), wrongfully disciplined, suspended or expelled of a child - Employment: criminal history, denied unemployment benefits - Family: custody, divorce, parenting time rights, understanding court papers, etc. - Housing: contract for deed, denied of subsidized housing, evictions, foreclosures, housing discrimination and accommodation, locked out, and repair issues - Protective orders: from physically harming or threatening to harm an individual or child and harassment - Public assistance and disability benefits: food support, medical assistance or other public assistance, denied necessary medical care and unable to work because of a disability - Senior issues: health care directive, power of attorney, and simple will

Private nonprofit company revitalizing neighborhoods by creating and supporting successful home ownership through a one-stop shop: - Counseling on home purchase - Financial literacy programs - credit, budgeting, financial planning - Foreclosure prevention, anti-predatory lending support and programs - Home Stretch home buyer workshops - Low interest and deferred loans for home improvement and down payment assistance; grants may be available - Programming in Hmong including Home Stretch Workshops, home buyer, financial literacy, foreclosure prevention programs - Renovated or new homes for sale NOTE: Does not provide rental assistance, rental units, or assist with other rental issues

Primary services include coordinated entry access point for individuals who are homeless or at risk of being homeless. Case management is offered to prevent future issues with homelessness. Financial assistance may be available, but it is NOT provided in all situations. Requirements vary by programs and funding. Potential assistance consists of: - Funding for housing and utility costs/deposits - Funding for transportation costs via vehicle repair or public transit - Clothing and food assistance as well as other basic needs - Housing stability case management Programs may include: - Assistance for homeless ex-offenders in Chisago, Isanti, Kanabec, Mille Lacs, and Pine County, housing placement, as well as rent and deposit funds, may be available - Limited fund for short term hotel stays in tandem with case management services- ?- Long-term homelessness supportive services, also known as coordinated entry, are provided for those who qualify for short term hotel stays in Aitkin, Carlton, Isanti, Mille Lacs, Kanabec, Pine, and Chisago County to help with housing search and placement for families and unaccompanied youth - Transitional housing services for homeless youth ages 16 - 22, as well as some financial assistance for rent ? ?NOTE: Funding comes from a variety of sources, including the Family Homeless Prevention and Assistance Program - FHPAP and others.

Provides counseling with referrals to additional resources if necessary. Homeowners work 1:1 with homeownership specialists to assess their situation and determine possible solutions.

Assists individuals and families to sort through credit and debt problems to find workable solutions, includes: - Budget counseling - Community education programs - Debt management program - Housing counseling - Foreclosure prevention - Homebuyer counseling - Pre-filing bankruptcy counseling - Reverse mortgage counseling

Offers foreclosure prevention services, including: - Counsels people with post-purchase issues that are not yet in default - Helps individuals address the causes of mortgage payment default and develop a spending plan to stabilize and successfully manage their household finances - Helps individuals understand the foreclosure process and assists in exploring loss mitigation options

Provides one-on-one assistance to help individuals navigate their finances, improve their financial goals, and navigate the financial systems. Services include: - Create and improve credit - Financial coaching by appointment - Financial management skills - Help navigate financial processes and applications - Home Stretch Homebuyer Workshop: An 8-hour workshop that educates and informs future homeowners to help them understand the homebuying process. The training includes information about the process of buying a home and access to down payment programs. - Gain access to supplemental resources such as the Lending Circles (Tandas) program. The Lending Circles program provides a secured loan, without cost or interest, to establish or build credit and improve the way individuals manage money. - Small business support for entrepreneurs or those interested in becoming business owners. Offers support to business owners by evaluating and organizing their finances. - Tax preparation for people with low or medium income during the tax season

Primary services include coordinated entry access point for individuals who are homeless or at risk of being homeless. Case management is offered to prevent future issues with homelessness. Financial assistance may be available, but it is NOT provided in all situations. Requirements vary by programs and funding. Potential assistance consists of: - Funding for housing and utility costs/deposits - Funding for transportation costs via vehicle repair or public transit - Clothing and food assistance as well as other basic needs - Housing stability case management Programs may include: - Assistance for homeless ex-offenders in Chisago, Isanti, Kanabec, Mille Lacs, and Pine County, housing placement, as well as rent and deposit funds, may be available - Limited fund for short term hotel stays in tandem with case management services- ?- Long-term homelessness supportive services, also known as coordinated entry, are provided for those who qualify for short term hotel stays in Aitkin, Carlton, Isanti, Mille Lacs, Kanabec, Pine, and Chisago County to help with housing search and placement for families and unaccompanied youth - Transitional housing services for homeless youth ages 16 - 22, as well as some financial assistance for rent ? ?NOTE: Funding comes from a variety of sources, including the Family Homeless Prevention and Assistance Program - FHPAP and others.

Provides one-on-one assistance to help individuals navigate their finances, improve their financial goals, and navigate the financial systems. Services include: - Create and improve credit - Financial coaching by appointment - Financial management skills - Help navigate financial processes and applications - Home Stretch Homebuyer Workshop: An 8-hour workshop that educates and informs future homeowners to help them understand the homebuying process. The training includes information about the process of buying a home and access to down payment programs. - Gain access to supplemental resources such as the Lending Circles (Tandas) program. The Lending Circles program provides a secured loan, without cost or interest, to establish or build credit and improve the way individuals manage money. - Small business support for entrepreneurs or those interested in becoming business owners. Offers support to business owners by evaluating and organizing their finances. - Tax preparation for people with low or medium income during the tax season

Provides counseling, advocacy, financial tools, resources, and referrals

- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

Legal services may include: legal advice, review court papers, assist in drafting paperwork, mediate, negotiate, litigate, and/or represent at an administrative law or district court hearing LSNM assists people with low incomes and issues critical to daily life. Cases including: - Consumer: threats or harassment by a creditor or debt collector, paycheck or bank account being garnished, and utilities shut off - Education: children with a disability and need an Individualized Education Program (IEP), wrongfully disciplined, suspended or expelled of a child - Employment: criminal history, denied unemployment benefits - Family: custody, divorce, parenting time rights, understanding court papers, etc. - Housing: contract for deed, denied of subsidized housing, evictions, foreclosures, housing discrimination and accommodation, locked out, and repair issues - Protective orders: from physically harming or threatening to harm an individual or child and harassment - Public assistance and disability benefits: food support, medical assistance or other public assistance, denied necessary medical care and unable to work because of a disability - Senior issues: health care directive, power of attorney, and simple will

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.

A counseling program to help homeowners address the problems they are having with making monthly mortgage payments. The MFPP staff provides: - Advocacy with lenders and/or mortgage company - Applicants must be willing to work in partnership with program staff - Counseling, screening, assessments and/or referrals for advice - Financial counseling - I?dentification of options for preventing foreclosure

Provides several programs for homeowners who may need help with their current home situation. Services provided: - Foreclosure Support: Households who are behind on their mortgage payments can work with a Foreclosure Counselor to assess their financial situation, provide realistic solutions, help them negotiate a workable plan with their lender, and find community resources to help with other needs. - Home Improvement Loans: Funding options are available through grant and loan programs such as the Small Cities Development Program, Federal Home Loan Bank, and the Minnesota Housing Finance Agency. - Refinance Counseling: Advisors are available to homeowners to review their current mortgage information and outline costs versus benefits of their decision to refinance. Advisors will create a household budget, compare different loan products, and review loan documents.

Provides no cost foreclosure prevention counseling services to help homeowners with foreclosures in Wright county. Counselors assist homeowners with understanding their current mortgage, developing a budget, analyzing the homeowner's financial situation and educating borrowers about options that are available to them. WCCA counselors will also educate homeowners about the foreclosure process and loss mitigation options designed to prevent foreclosure. Where appropriate, WCCA will assist homeowners with applying for a loan modification based on their options and and current situation. A loan modification may alter the terms of a mortgage to make it affordable for the homeowner under current economic conditions. Counselors also provide information on services, resources and programs available in Wright County that may address related household needs.

- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

Legal services may include: legal advice, review court papers, assist in drafting paperwork, mediate, negotiate, litigate, and/or represent at an administrative law or district court hearing LSNM assists people with low incomes and issues critical to daily life. Cases including: - Consumer: threats or harassment by a creditor or debt collector, paycheck or bank account being garnished, and utilities shut off - Education: children with a disability and need an Individualized Education Program (IEP), wrongfully disciplined, suspended or expelled of a child - Employment: criminal history, denied unemployment benefits - Family: custody, divorce, parenting time rights, understanding court papers, etc. - Housing: contract for deed, denied of subsidized housing, evictions, foreclosures, housing discrimination and accommodation, locked out, and repair issues - Protective orders: from physically harming or threatening to harm an individual or child and harassment - Public assistance and disability benefits: food support, medical assistance or other public assistance, denied necessary medical care and unable to work because of a disability - Senior issues: health care directive, power of attorney, and simple will

- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

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.

- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

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.