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Offers comprehensive financial counseling services including: - Budget and debt management. - Debt repayment strategies. - HUD-approved mortgage, delinquency, and default resolution consolidation. - Home purchase guidance. - Bankruptcy counseling and post-bankruptcy counseling. - Student loan counseling.

Provides legal information/advice, assistance and representation for low and moderate income homeowners threatened with foreclosure of their primary residence. Assists with judicial and non-judicial foreclosures.    May provide assistance with: -  Loan modifications (RMA assistance and negotiation with mortgage lender) -  Mediation, which may include referrals and representation -  Litigation

Offers a free monthly legal clinic to low income clients providing 30 minute consultations with an attorney on civil legal matters.   Can assist for any civil legal question, including but not limited to the following areas: -  Automobile Accidents -  Consumer Fraud -  Discrimination -  Employment Issues -  Family Law -  Financial Issues -  Housing Law -  Immigration -  Insurance Claims -  Public Benefit Claims   Attorneys provide referrals as necessary.

Offers financial reviews and education in person, over the phone, or online. Services include: - Credit and debt counseling. - Bankruptcy counseling. - Housing counseling (pre-purchase, foreclosure prevention, and reverse mortgage). - Student loan debt counseling. - Debt management plans. - Credit report reviews. - Foreclosure information. - Tips for first-time veteran and military homebuyers.

Program offers education and counseling to connect home buyers of all income levels to information and resources needed. Also providing counseling and assistance in linking home buyers to a variety of different down-payment assistance programs and home loans.

Program offers education and counseling to connect home buyers of all income levels to information and resources needed. Also providing counseling and assistance in linking home buyers to a variety of different down-payment assistance programs and home loans.

Operates a legal clinic providing a free 30-minute consultation with an attorney (60 minutes if an interpreter or other accommodation is needed) Clinic is open to all, but particular focus is on providing culturally-informed legal services in a safe and welcoming environment to individuals who identify as African American or Black. This clinic is staffed primarily by attorneys of color. Clinic attorneys can: -  Determine whether the client has a legal problem -  Suggest possible options -  Help answer papers, summons and requests -  Provide appropriate referrals   Neighborhood Legal Clinic attorneys may not have expertise in all areas of the law, but they will make every attempt to answer questions accurately. Attorneys CANNOT give advice on criminal legal issues or provide representation on any legal matters.

Chinese Information and Service Center, Asian Bar Association of Washington, and Asian Counseling and Referral Service partner with the King County Bar Association to provide a free legal clinic. Pro bono attorneys work with staff and volunteer interpreters to give consultation and legal advice around family law, immigration law, landlord-tenant disputes, employment law, and other areas. As of 9/2024, most consults are virtual but in-person appointments may be available if needed (more information provided to clients during intake phone call). Call (206) 957-8544 for an appointment. Appointments are typically Tuesdays, 5:30-7:30 PM. International District Legal Clinic Chinese Information and Services Center 611 S Lane St. Seattle, WA 98144

Foreclosure intervention services offered by our HUD Certified Housing Counselors provide critical support to homeowners facing the risk of losing their homes. These services include personalized counseling sessions to assess the homeowner’s financial situation, explore available options, and develop an actionable plan to prevent foreclosure. Housing counselors act as advocates, mediating between homeowners and lenders to negotiate loan modifications, repayment plans, or forbearance agreements. They also provide education on rights and responsibilities, ensuring that homeowners are fully informed about their choices. By addressing the root causes of financial hardship and connecting individuals to additional resources, foreclosure intervention services aim to stabilize families, preserve homeownership, and prevent community displacement.

Provides legal information and advice for the following issues depending on attorney availability:   -  Auto accidents - Birth injuries -  Consumer law - Criminal defense -  Family law -  Finance -  Immigration -  Landlord-tenant law -  Medical negligence -  Personal injury -  Property law -  Worker's rights/wage claims

Offers housing counseling and education services in Spanish and English to: -  Homeowners interested in refinancing -  Homeowners at risk for foreclosure   - Renters at risk of eviction -  Community members seeking counseling in financial management, budget and credit related issues Reviews client's credit report, creates and develops a budget as well as an action plan to address their unique housing needs. Provides the resources that would best fit their situation.

Provides information and referrals in regard to legal matters such as family law, housing issues, access to government benefits, access to medical care and benefits, education rights, employment issues (primarily for agricultural workers), tribal law, and consumer related issues such as bankruptcy, debt collection, or fraud.

Provides HUD-approved housing counseling services, which include no-cost guidance on buying a home, defaults, foreclosures and credit issues. Offers pre-purchase counseling which helps families identify and overcome barriers to homeownership and refers to programs which assist in overcoming those barriers. Facilitates the 5 hour First-Time Homebuyer Workshop which helps participants understand advantages and disadvantages of homeownership, steps in the process, financing options, the loan qualification and closing processes, and financial planning around purchasing a home.

Provides general information about Federal Housing Authority (FHA)-insured mortgages, which usually offer loans with lower interest rates and down-payments than standard mortgages. Monitors appraisals and specifications that must be met in order for a house to be eligible for purchase with an FHA-insured mortgage. Also offers assistance to homeowners with existing FHA-insured mortgages, by providing information and referrals to local HUD-approved housing counseling agencies. Counseling and information covers issues of mortgage delinquency, escrow account analysis, recertification, home repair and energy conservation.

Offers down payment assistance loans to area residents trying to purchase a house. This loan can be done in coordination with most lenders and allows the borrower to qualify for a home in a higher price range. The loan is paid off when the house is sold or refinanced in the future. Provides counseling through the homebuying process, from preparing a budget to financing or refinancing a home loan. Helps with budgeting, financial review, and lender negotiation to help keep homeowners from defaulting on their mortgage.

Provides free civil legal services for youth and young adults between ages 12-24 who are experiencing homelessness or housing instability.

Provides education, information, and referral on housing issues, along with financial assistance for homebuyers and homeowners. Services include homebuyer education classes and workshops, financial education, pre- and post-purchase counseling, foreclosure counseling, down payment assistance, renter information, and guidance on maintaining and repairing a home, including home repair loans. Classes are held monthly at Columbia Gorge Community College in Hood River and The Dalles. The program also keeps the public informed about housing trends in the Mid-Columbia region using current statistics.

Assist households with the challenges of buying and keeping a home. Offers pre-purchase counseling and education and a down payment assistance loan program.

Services are provided by trained professional mediators who volunteer their time. Services include: - Face-to-face mediation - Conflict coaching for problems - Some simple negotiation over the telephone TYPES OF PROBLEMS THE CENTER WILL HANDLE: - Neighborhood problems (noise, pets, parking, lawn & garden, property line problems and other nuisances) - Landlord-tenant issues (deposits, repairs, damages, eviction prevention due to COVID, etc. ) - Real estate or personal property - Foreclosure mediation - Business consumer problems (faulty merchandise, refunds, exchanges, etc. ) - Employer/employee grievances - School problems involving faculty or administration, students or parents - Family issues such as problems related to divorce and parenting plans - Other domestic problems not involving violence, restraining orders, or other factors that require professional intervention or assistance. TYPES OF PROBLEMS NOT HANDLED: - Any problem requiring legal assistance, such as filing lawsuits, criminal defenses, will preparation, etc. - Issues involving drug/alcohol abuse, domestic violence, abuse to children, or issues where one or more parties fears abuse - Problems where a party cannot speak adequately on their own behalf, although can work with clients who have a case manager. All clients must be able to keep agreements made

Operates legal clinics providing free 30 minute consultations with an attorney on debt and bankruptcy issues. Volunteer bankruptcy lawyers meet individually with debtor clients who are considering or have already applied for bankruptcy as well as those who need assistance with other debt issues. Assists Chapter 7 and Chapter 13 litigants. Clinic attorneys can: - Determine whether the client has a legal problem - Suggest possible options - Help answer papers, summons and requests - Provide appropriate referrals Clinic attorneys are specialized in areas of debt and bankruptcy law. Attorneys CANNOT give advice on criminal legal issues or provide representation on any legal matters. To apply for an appointment: Fill out the online Client Intake Form on website. Those who cannot use the client intake form may call and leave a message with name, phone number, and a brief description of their legal issue.

Services are provided by trained professional mediators who volunteer their time. Services include: - Face to Face Mediation - Coaching for problems - Some simple negotiation over the telephone TYPES OF PROBLEMS THE CENTER WILL HANDLE: - Divorce mediation - Parenting Plan mediation - Neighborhood problems (noise, pets, parking, lawn & garden, property line problems and other nuisances) - Landlord-tenant issues (deposits, repairs, damages, etc.) - Real estate or personal property - Business consumer problems (faulty merchandise, refunds, exchanges, etc.) - Employer/employee grievances - School problems involving faculty or administration, students or parents - Family issues such as problems related to divorce and parenting plans - Other domestic problems not involving violence or other factors that require professional intervention or assistance TYPES OF PROBLEMS NOT HANDLED: Any problem requiring legal assistance, such as filing lawsuits (criminal defenses, will preparation, etc.); issues involving drug/alcohol abuse, domestic violence, abuse to children, or issues where one or more parties fears abuse; or problems where a party cannot speak adequately on their own behalf, although can work with clients who have a case manager. Other Services Provided: - Offers workshop of varying lengths to organizations, businesses, and groups on a range of topics including: conflict resolution, negotiation, communication, conflict styles, and dealing with difficult people. - Victim Offender Meeting Program: Brings together victims of juvenile crime with the offenders to talk about the impact of the crime and for the youth to make amends. - Assists senior citizens to resolve disputes with family members, businesses, landlords, neighbors and others through mediation. - Parent Youth Mediation Service: Allows parents and teenagers or pre-teens to sit down together to talk about how things are going within the family and develop agreements on behaviors, level of independence, respectful communication and consequences. Co-mediators assist the mediating parties.

Operates legal clinics providing free 30 minute consultations with an attorney at multiple locations across King County. As of 9/2024, most clinics are telephonic, but there may be limited in-person availability in Seattle and Kent. Details will be provided to clients during intake screening. Clinic attorneys can: - Determine whether the client has a legal problem - Suggest possible options - Help answer papers, summons and requests - Provide appropriate referrals Neighborhood Legal Clinic attorneys may not have expertise in all areas of the law, but they will make every attempt to answer questions accurately. Attorneys CANNOT give advice on criminal legal issues or provide representation on any legal matters.

Provides direct service programs and resources to individuals and families who seek knowledge, understanding and access to pertinent financial education that result in obtaining home ownership. Includes credit counseling and information. Occurs the 2nd Saturday and Sunday of every month. Homeownership Counseling & Assistance Supports and works with clients, in the South Sound Region, during hardships that could jeopardize home ownership. Processes home foreclosures, loan modifications and mediations. Call during normal office hours to schedule an appointment.

Offers a path to homeownership for islanders who are priced out of the real estate market. Homeowners using a community land trust purchase the building and sign a 99-year lease to the land. Homes appreciate modestly according to a resale formula. The formula allows homeowners to earn a reasonable amount of money on their house when they decide to sell, and it keeps the price affordable so another family can buy the same home at an affordable price in the future. Provides housing counseling, budgeting and financial management counseling, and default counseling to all applicants and homeowners.

Program offers education and counseling to connect home buyers of all income levels to information and resources needed. Also providing counseling and assistance in linking home buyers to a variety of different down-payment assistance programs and home loans.