This is a local community pooled trust for people with disabilities and their families. The Future Care Community Pooled Trust serves the Upstate New York area (Monroe and Surrounding Counties)

•The Future Care Trust provides a convenient and economical way to have trust funds administered for people with disabilities. The use of funds from the trust will supplement but not supplant government benefits and enhance the quality of life for beneficiaries.

•The Co-Trustees for the Future Care Trust are the Al Sigl Community of Agencies and Genesee Valley Trust Company. The Program is administered by Future Care Planning Services.

•The money of beneficiaries is pooled to take advantage of better investment opportunities. The Trustees keep a separate sub trust account for each beneficiary.

The Foreclosure Prevention Project helps low and moderate income homeowners that have been sued for foreclosure. Assistance may include advice, brief service, representation in court settlement conferences and negotiations with the lender, and/or representation in litigation. We also assist homeowners who have been victimized by foreclosure rescue scams.

The project involves partnerships with ten community agencies and serves all 16 counties in our service area. If you have received a Summons and Complaint to institute foreclosure proceedings or have been taken advantage of by a foreclosure rescue scam, please call the Legal Aid Society.

Did you know you should NEVER have to pay a fee for foreclosure prevention services?

Foreclosure remains an important issue in our community. If you are unsure about your ability to pay your mortgage or programs that may be available to assist you, we urge you to contact us.

Hudson River Housing offers one-on-one counseling, group information sessions, and off-site workshops for homeowners in Dutchess County to help them assess their financial situation and their options for homeownership preservation, including loan modifications. Additional sessions on loan modifications are available. In addition, our counselors are available to meet one-on-one with homeowners to assist you:

Realign your budget | Repair your credit | Learn about being a homeowner

Our counselors are trained in all aspects of the foreclosure process. Wherever you believe you are in this process, we urge you to contact us. We will review your case and advise you as to the best course of action depending on what stage of the foreclosure process you are in. Our counselors will not charge you a fee for our services. We are recipients of federal, state and local funding that has been made available by the government to assist in stemming the housing crisis.

COI is certified by the US Treasury Department to provide Pre Bankruptcy Counseling and Post Bankruptcy Debtor Education required by the court when filing bankruptcy. Provides all bankruptcy counseling confidentially and in person. Counseling includes a personalized look at finances to help start over. The cost for Bankruptcy Counseling services is $50.00. In cases where it is established that clients are unable to afford the costs for bankruptcy counseling or related financial education, COI will, on a case by case basis, provide the services at a reduced price.

Buffalo Urban League's housing counseling services provides 5 core services: (1) First-time home buyer’s education and counseling; (2) Financial capacity education and counseling; (3) Mortgage foreclosure intervention; (4) rental assistance counseling; and (5) fair housing counseling and education.

• First-time home buyer’s education and counseling first provides an overview of the home buying process. After this overview is given, participants work one-on-one with counselors that guide first time buyers through the process. Buyers are also educated on the "First Home Club," which is a fund matching program where recipients can get up to $7,500 toward the down payment of a home.

• Financial capacity education and counseling assists individuals with their finances through workshops and one-on-one counseling. Topics may include budgeting, credit repair, banking, predatory lending, and avoiding foreclosure.

• Mortgage foreclosure intervention helps homeowners negotiate an affordable plan to resolve or prevent foreclosure and losing their home.

• Rental assistance counseling help tenants find, secure, and maintain affordable living. Occasionally, the Urban League can aid with the first month’s rent, up to $500.00.

• Fair housing counseling and education helps inform the public of their rights as a tenant or homeowner and how to report any violations of these rights.

“For people with HIV who are uninsured or underinsured - New York’s HIV Uninsured Care Programs can help pay for medications, medical care, or health insurance.”

Services can typically be delivered within 1-48 hours of intake. The money is paid directly to the pharmacy or insurance company. This program is funded by the Aids Drug Assistance Program (ADAP). The ACR Health representative is the liaison between the client and ADAP, helping them fill out a brief application and secure the best insurance coverage they can get. ADAP is not insurance coverage. ADAP covers the insurance premiums so that there are no copays or reduced copays that would be at the responsibility of the client. Medication is covered under the insurance plan. Clients must ensure that their pharmacy accepts ADAP as payment. Other coverage, such as dental, may be included in the insurance package.

To learn more: https://adap.directory/

METHOD OF PAYMENT: Free

• Basic consumer skills classes

• Teaches financial independence and empowerment.

• Call for a schedule.

Homeward Bound is for anyone who applied for our Homeowner program but didn’t meet the financial requirements. With the help of the Housing Council at Pathstone, we will develop a plan with you that will get you on the path to homeownership.

Exploring Credit & Debt Management Issues

Making Ends Meet

One-to-One Financial Coaching

Contact:

Linda Law-Saunders

Family and Consumer Science Educator

lsl64@cornell.edu

(518) 746-2560

Provides budget counseling and asset management.