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Provides services and programs to help individuals transition into permanent housing. Housing Assistance More information: - Operates an emergency shelter with 24-hour services provided year-round - Offers case management, rent assistance, food, clothing, childcare, and transportation - Helps reduce bills and make homes energy efficient through weatherization - Intercedes with mortgage companies

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

Helps individuals who are at risk of losing their homes due to financial issues. Housing Assistance

Provides homeowners with financial assistance for property taxes and water bills. Financial Assistance

Helps homeowners who are at risk of losing their homes to work with their lenders and find ways to avoid foreclosure. Housing Assistance

Helps individuals manage debt and improve personal finances by negotiating better repayment terms with creditors. Financial Management and Budget Counseling More information: - Includes assistance with credit cards, past utility and cell phone accounts, and medical debt

Helps homeowners through counseling, education, and planning when behind on mortgage payments or in foreclosure. Housing Assistance More information: - Foreclosure prevention - Free legal representation - Affordable rental opportunities - Determines home owner eligibility for loan modifications and other services to prevent foreclosure - Offers counseling for renters with delinquent payments or seeking alternative housing

Provides financial counseling and referrals for homeowners who are behind on their mortgage payments or facing foreclosure. Money Management, Housing Assistance More information: - Does provide payments or monetary funding - Offers resources for specific situations, such as loss of job or health crisis - Referrals to local agencies are available for refinancing, loans, or down payment assistance

Offers various services and workshops related to housing. Housing Counseling More information: - 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 counseling to help individuals avoid foreclosure and assists in finding suitable mortgage programs. Housing Assistance

Helps individuals who are at risk of losing their homes due to foreclosure through counseling and education. Housing Counseling Services

Removes homeowners from tax sale lists for the current year. Property Tax Payment Assistance More information: - Liens are only deferred, not paid, forgiven, or exempted - Applications are accepted from February 15 through April 15 - Offered on a first-come, first-serve basis and closes when funds run out

Provides counseling and support throughout the home buying process. Homebuyer/Home Purchase Counseling More information: - Offers post-purchase programs, default and foreclosure help, and referrals for landlord/tenant issues - Rental, budget, debt, and credit counseling available

Provides housing counseling services in the areas of foreclosure prevention, budgeting, mortgages, reverse mortgages, and credit repair. Housing Assistance More information: - Offers monthly seminars for first-time home buyers

Provides homeownership counseling and workshops for low- and moderate-income households. Money Management More information: - Assists with home ownership, credit, default and foreclosure, and reverse mortgages

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 counseling to individuals and families who are at risk of losing their homes due to foreclosure. Housing Counseling Services

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

Provides debt management and financial counseling services related to student loans, credit, rent, homeownership, foreclosure and eviction prevention, bankruptcy, and reverse mortgage. Money Management More information: - Counselors work with creditors to develop a plan to pay down debt - Offers workshops on money management, identity theft, credit reporting, and homeownership

Matches income-eligible residents with volunteer attorneys for free legal representation. Legal Representation 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

Offers education and counseling for individuals who want to buy a home. Homebuyer/Home Purchase Counseling More information: - Counseling is also available to help with foreclosure prevention, finances, and credit

Offers 30-minute phone consultations with a bankruptcy attorney. Bankruptcy Assistance More information: - Attorneys do not complete paperwork or act as a representative - Website lists attorneys available for other services at a reduced cost

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

Offers legal assistance with civil issues, such as custody, divorce, life planning (will, power of attorney, advance medical directive), criminal record expungement, foreclosure, consumer debt, bankruptcy, and landlord/tenant. Legal Services More information: - Provides representation in court, legal advice, and document preparation for qualifying clients - Same day representation available for tenants in rent court - Research, counseling, preparation, and filing of petitions for criminal record expungement offered - Holds weekly family law clinics - Holds monthly elder law clinics and debtor assistance clinics

Offers 30-minute phone consultations with a bankruptcy attorney. Bankruptcy Assistance More information: - Attorneys do not complete paperwork or act as a representative - Website lists attorneys available for other services at a reduced cost