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Certified Financial Counselors help anyone in the community to better understand their finances, set up a budget, pay down debt, or improve their credit score and borrowing power.

Provides pre-purchase home buyer classes and counseling help clients decide whether homeownership is the best decision for them. These classes and counseling may also qualify clients for substantial down payment assistance programs.

Foreclosure avoidance and default intervention counseling is designed to help with whatever options there may be to save clients' homes, or get caught up on payments.

Reverse Mortgage Counseling is available for seniors desiring to stay in their homes by using their equity to produce lump sums for current needs, annuity payments and lines of credit for ongoing needs.

Provides assistance to limited-income seniors who need help managing their finances. The level of care provided is based on the need of the person. The goal of the program is to assist low-income seniors and persons with disability (who are financially exploited) to assure independence and to prevent pre-mature institutional care and abuse.

The program helps with such bill-paying activities as opening and organizing mail, setting up budgets, and balancing checkbooks for seniors who remain in control of their finances, but need some help keeping things in order.

Representative Payee volunteers help clients manage their Social Security benefits, if the client is unable to handle his or her own finances. The Representative Payee volunteer manages and pays the client's expenses from an account into which the Social Security benefit is automatically deposited.

A protective service for limited-income seniors who need help managing their finances. Bill payer volunteers assist individuals who are able to make decisions about their financial affairs but who need help organizing bills and paying them on time.

Representative payee volunteers are appointed by Social Security to receive and manage benefits of a person who is determined incapable of managing his or her own finances. In contrast to the bill payer program, the representative payee signs the checks and has full control of the benefits. They pay bills and make sure the client's needs are being met.

A protective service for limited-income seniors who need help managing their finances. Bill payer volunteers assist individuals who are able to make decisions about their financial affairs but who need help organizing bills and paying them on time.

Representative payee volunteers are appointed by Social Security to receive and manage benefits of a person who is determined incapable of managing his or her own finances. In contrast to the bill payer program, the representative payee signs the checks and has full control of the benefits. They pay bills and make sure the client's needs are being met.

Provides budget and debt counseling and education. Also offers HUD-approved Housing Counseling and education including: pre-purchase, mortgage default and foreclosure prevention, bankruptcy counseling and education and credit report review.

Debt Management Program (DMP) also available for clients to pay unsecured debt (credit cards and loans) at reduced interest and fees.