Provides legal advice and/or representation in cases involving: - Denial of relocation benefits based on government displacement and non-return of security deposits - Discrimination - Eviction (Unlawful Detainer) - Illegal lockouts and utility terminations by landlords - Maintenance and repairs in rental housing - Mortgage foreclosures and cancellations of contracts for deed - Public and subsidized housing admissions and terminations

- Pre-purchase/homeownership informational workshops and individual counseling on home purchase process - Foreclosure Prevention: Assistance on work-out options with lenders and HUD - Provides free housing counseling

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

- 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 free, confidential counseling to anyone with mortgage questions, whether they are worried about missing future payments, need clarification about their mortgage terms, or are already behind by one or more payments.

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

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

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

- 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 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.

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

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

Provides culturally appropriate pathways to homeownership for Somali women and their families guiding women on how to utilize resources and tools for financial empowerment preparing them to make financial investments in a home, including: - Create an action plan and steps to achieve goals - Develop a budget and saving plan - Encouragement and nonjudgemental support to build financial confidence - Foreclosure advising - Homebuyer and financial education workshop - Individualized planning unique to the needs of each woman - One-on-one advice regarding credit reports and addressing credit problems

Provides legal advice and/or representation in cases involving: - Denial of relocation benefits based on government displacement and non-return of security deposits - Discrimination - Eviction (Unlawful Detainer) - Illegal lockouts and utility terminations by landlords - Maintenance and repairs in rental housing - Mortgage foreclosures and cancellations of contracts for deed - Public and subsidized housing admissions and terminations

Provides legal advice and/or representation in cases involving: - Denial of relocation benefits based on government displacement and non-return of security deposits - Discrimination - Eviction (Unlawful Detainer) - Illegal lockouts and utility terminations by landlords - Maintenance and repairs in rental housing - Mortgage foreclosures and cancellations of contracts for deed - Public and subsidized housing admissions and terminations

Provides legal advice and/or representation in cases involving: - Denial of relocation benefits based on government displacement and non-return of security deposits - Discrimination - Eviction (Unlawful Detainer) - Illegal lockouts and utility terminations by landlords - Maintenance and repairs in rental housing - Mortgage foreclosures and cancellations of contracts for deed - Public and subsidized housing admissions and terminations

Provides legal advice and/or representation in cases involving: - Denial of relocation benefits based on government displacement and non-return of security deposits - Discrimination - Eviction (Unlawful Detainer) - Illegal lockouts and utility terminations by landlords - Maintenance and repairs in rental housing - Mortgage foreclosures and cancellations of contracts for deed - Public and subsidized housing admissions and terminations

- 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.

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: - Limited fund for short term hotel stays in tandem with case management services - Long-term homelessness supportive services in Aitkin, Carlton, Isanti, Mille Lacs, Kanabec, Pine, and Chisago County to help with housing search and placement for families and unaccompanied youth - 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 -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 legal advice and/or representation in cases involving: - Denial of relocation benefits based on government displacement and non-return of security deposits - Discrimination - Eviction (Unlawful Detainer) - Illegal lockouts and utility terminations by landlords - Maintenance and repairs in rental housing - Mortgage foreclosures and cancellations of contracts for deed - Public and subsidized housing admissions and terminations

- Financial Coaching: budgeting, banking, credit building/repair, asset-building - Financial Education Workshops - Foreclosure Prevention Counseling and Mitigation - Homeownership Counseling and Workshops - Tax Preparation Services and Individual Tax Identification Number (ITIN) Preparation Services

- 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.

Assists individuals and families to sort through the maze of credit and debt problems to find workable solutions, includes: - Budget counseling - Debt management program - Housing counseling - Community education programs - Pre-filing bankruptcy counseling - Reverse mortgage counseling - Foreclosure prevention - Homebuyer counseling In-person, phone, or online counseling available

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.

Free, confidential service for homeowners who are behind or concerned about being behind on their mortgage payment. A foreclosure specialist will work with the homeowner to try and prevent foreclosure. Services are not available for investors. Foreclosure counselors: - Connect clients to programs and resources to help avoid foreclosure - Help work with lenders to find a solution - Review a client's complete financial situation