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Staff or volunteers answer questions or talk confidentially with callers. Program can provide information, a sympathetic listener, advice and/or referrals to other resources. MORE INFORMATION Call the Homeowners Hope Hotline if you have missed a house payment.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION HUD-certified housing counselors are experts in foreclosure prevention and will set up a plan of action designed just for you and your situation. Housing counselors will: * Provide free, confidential and nonjudgmental assistance * Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification * Work with you to submit paperwork to your mortgage company to apply for a mortgage modification * Be sure you are taking advantage of available government programs to save your home * Help you postpone your sheriff's sale so you have more time to work out a solution with your lender Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION Helps identify possibilities that may allow you to retain your home

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION HUD-certified housing counselors are experts in foreclosure prevention and will set up a plan of action designed just for you and your situation. Housing counselors will: * Provide free, confidential and nonjudgmental assistance * Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification * Work with you to submit paperwork to your mortgage company to apply for a mortgage modification * Be sure you are taking advantage of available government programs to save your home * Help you postpone your sheriff's sale so you have more time to work out a solution with your lender Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION HUD-certified housing counselors are experts in foreclosure prevention and will set up a plan of action designed just for you and your situation. Housing counselors will: * Provide free, confidential and nonjudgmental assistance * Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification * Work with you to submit paperwork to your mortgage company to apply for a mortgage modification * Be sure you are taking advantage of available government programs to save your home * Help you postpone your sheriff's sale so you have more time to work out a solution with your lender Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION Participants will work directly with a Mortgage Foreclosure Prevention Counselor: * To determine if staying in your home is possible * Understand your options * To create a household budget * To learn about your rights, the foreclosure process, and how to communicate with your lender * Form an action plan focused on housing affordability

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION Offers free and confidential foreclosure prevention counseling * Teaches clients about their rights, options and alternatives to foreclosure * Counselors may also advocate on client's behalf with mortgage services to discuss options.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer.

The Foreclosure Prevention Assistance Program provides: * Referral to an advisor and online tools * Access to financial assistance * Debt management and repayment programs * Financial counseling * Information about the foreclosure process * Working with the mortgage company * If applicable, one-time mortgage, contract for deed, or other financial assistance All recipients are required to enter into an agreement to repay the financial assistance. The agreement will be either a secured lien against the property or a repayment plan with a schedule beginning 3-6 months after closing.

The Foreclosure Prevention Assistance Program provides: * Referral to an advisor and online tools * Access to financial assistance * Debt management and repayment programs * Financial counseling * Information about the foreclosure process * Working with the mortgage company * If applicable, one-time mortgage, contract for deed, or other financial assistance All recipients are required to enter into an agreement to repay the financial assistance. The agreement will be either a secured lien against the property or a repayment plan with a schedule beginning 3-6 months after closing.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Offers housing resources for renters or homeowners Programs include: * First time homebuyer session * Homebuyer Education * Homeowner financial management session * Mortgage foreclosure prevention * Rental housing counseling and education

Foreclosure avoidance counseling provides information and assistance to help you avoid foreclosing on your mortgage and losing your home. This non-profit agency has been approved by Housing and Urban Development (HUD) to offer the service. HUD foreclosure avoidance counseling is free-of-charge. The counseling session(s) will help you determine if you are eligible for a loan adjustment, or if you can refinance your mortgage to reduce monthly payments. If you are eligible, the counselor will work with you to prepare an intake package (paperwork) for your mortgage servicer. MORE INFORMATION HUD-certified housing counselors are experts in foreclosure prevention and will set up a plan of action designed just for you and your situation. Housing counselors will: * Provide free, confidential and nonjudgmental assistance * Review your current finances and give you a clear idea of your options and eligibility for a mortgage modification * Work with you to submit paperwork to your mortgage company to apply for a mortgage modification * Be sure you are taking advantage of available government programs to save your home * Help you postpone your sheriff's sale so you have more time to work out a solution with your lender Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Helps individuals and families: * Consumer credit counseling - including credit card debt counseling * Reviewing repayment options so you can manage student loan debt * Mortgage debt counseling * Reverse mortgage counseling * Collection debt counseling * Debt management plans Helps improve or work toward achieving financial wellness by: * Evaluating the current financial situation * Learning about debt management options * Finding a path out of debt with the nonprofit debt management plan * Consolidating payments, often with a lower interest rate to start paying off debts faster Confidential services are available Nationwide by phone or virtually. They also offer in-person appointments across Minnesota. Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.