Provides a helpline to speak to an attorney about bankruptcy, offers bankruptcy education for families suffering under the burden of debt or possible foreclosure of family home. Also provides a counselor to discuss programs to find low-cost quality hearing aids. A free hearing test can be conducted over the phone, and counselors may include resources such as donated or reconditioned hearing aids, where available.

CareConnect USA Project | CareConnect USA Project

Divisions of businesses or nonprofit agencies that are responsible for developing products or delivering designated services to the public. Departments of NGOs are generally led by a manager, supervisor, director or vice president.

Nongovernmental Agency Departments

Programs that provide assistance for people who are unable to pay their creditors and need to declare bankruptcy. Included may be help in evaluating a personal or business bankruptcy as an option, assistance in completing and filing bankruptcy forms and/or representation in bankruptcy hearings.

Bankruptcy Assistance

Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.

Mortgage Delinquency and Default Counseling

Programs that provide assistance for people who are unable to make their property tax payments and at risk of losing their homes through tax foreclosure.