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Works with lenders to negotiate loan modifications and/or repayment plans on behalf of homeowners to prevent foreclosures. Housing Assistance

Offers free legal advice and resource referrals for people facing foreclosure. Legal Services

Offers advice on reducing payments, interest, and late fees to callers with unsecured debts including credit card, medical, and personal loan debt.

Money Management

Provides access to volunteer lawyers for legal representation. Legal Services More information:

• Available for cases related to adoption, bankruptcy, contract disputes, divorce, custody, and more
• Provides brief legal advice for consumers who have been sued by creditors
• Tax sale prevention clinics available by phone appointment

Provides eligible residents with housing and education programs. Housing Assistance More information:

• Helps with budgeting, credit, first time home-buying, loss mitigation, and foreclosure prevention
• Offers assistance with landlord/ tenant issues and eviction

Provides advice on bankruptcy assistance, mortgage delinquency counseling, and foreclosure prevention.

Housing Assistance

• Includes personal financial counseling and education on fair housing rights 
• Rental and credit counseling available 
• Provides programs for first-time homebuyers and services for individuals experiencing homelessness

Offers financial and housing counseling to home buyers in Baltimore City. Housing Assistance More information: - Includes counseling on reverse mortgages, foreclosure prevention, and legal issues - Provides access to incentive programs

Offers counseling and education on homeownership and foreclosure prevention. Money Management More information:

• Provides referrals and information on home-buying resources such as closing costs, down payment grants, loans, and programs