Provides the following financial wellness services: - Bankruptcy Counseling and Certification - Debt Counseling and Debt Consolidation - First-Time Homebuyer Housing Counseling - Home Equity Loan Housing Counseling - Mortgage Default and Delinquency Housing Counseling - Reverse Mortgage Housing Counseling - Student Loan Counseling

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.

- 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. ?- 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. - 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.

- 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. ?- 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. - 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.

- 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. ?- 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. - 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.

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.

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

Resource center providing information and resources, including: - A number of various loss mitigation programs and informational resources to assist FHA-insured homeowners facing financial hardship and whose mortgage is either in default or at risk of default. - Answers consumer questions about buying a home, qualifying for a mortgage, down payment assistance, buying HUD homes, refinancing, lien releases, obtaining a HUD-1 settlement statement, request for payoff amounts, or other issues associated with an FHA-insured mortgage - HUD handbooks, forms, and publications

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 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 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 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.

- 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. ?- 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. - 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.

- 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. ?- 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. - 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.

- 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. ?- 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. - 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.

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 advice, advocacy and representation for Consumer Law issues related to debt garnishment, predatory and unfair lending practices and collections, mortgage and foreclosure issues, predatory home loans, reverse mortgages, Contract for Deed problems and Property Tax Forfeitures.

National homeowner hotline providing homeowners with an actionable plan that can help avoid foreclosure and explore alternatives to foreclosure if homeownership cannot be maintained. Hotline can also assist with scam reporting relating to foreclosures and mortgage.

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.

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.

- 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. ?- 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. - 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.