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.

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.

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.

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.

Retirement Planning

A program for families on rental assistance through Belmont Housing Resources of WNY. The program assists family gain financial independence through credit counseling, help with budgeting, job search assistance, financial education classes, homeownership counseling, and referral services.

“The Rome Rescue Mission is now offering a Representative Payee service for the city of Rome and greater Oneida County. The Representative Payee program provides benefit payment management for those receiving Social Security or SSI. Matt Miller, Rome Rescue Mission Executive Director, stated ‘The Representative Payee Program is an essential program to the community and once more aligns with our mission in providing A Hand Up, Not a Hand Out’. Taking part in this program allows us to work with our clients and help them manage their finances while promoting independence.”

LOCATION: 309 E. Dominick St.

The Emergency and Family Assistance Department assists residents to meet basic family needs. Families and individuals seeking emergency assistance will be able to resolve immediate needs for food, clothing, rent/mortgage, transportation, vital records, advocacy and identify steps to avoid repeat crisis. Additionally, families and individuals will be referred to other services such as substance abuse treatment programs, case management services, and job training or employment programs as needed.

The Housing Council Foreclosure Prevention Counseling Programs assist homeowners who are behind or having difficulties in making their mortgage payments. We create the best action plan suitable for each individual client, which is provided at the end of the appointment

Foothills Rural Community Ministry hosts various giveaways throughout the year. Check the website for the latest information. Examples of giveaways below.

BACK TO SCHOOL: "Foothills Rural Community Ministry will be collecting school supplies for students in the Holland Patent Central and Remsen School Districts, whose families are facing difficult financial circumstances."

CHRISTMAS: "Each family will receive the food basket and one toy or special gift for each child living with you, that is 17 years of age and younger. We will also be giving hats and mittens or gloves to those in need if they are available."