ACT LAWRENCE, INC FORMERLY ARLINGTON COMMUNITY TRABAJANDO, INC

ACT Lawrence is a Latina-led non-profit Community Development Corporation (CDC) that empowers people to achieve their goals and dreams by providing opportunities for financial capability, community engagement & personal growth.

ACTION FOR BOSTON COMMUNITY DEVELOPMENT, INC.

Action for Boston Community Development Inc (ABCD) is part of the Community Action Network, created with the passage of the Economic Opportunity Act, which was signed into law in 1964. The Act was a sweeping plan to improve the lives of all Americans, regardless of their circumstances. As a community action agency, ABCD has a tripartite board structure consisting of members from the local private sector, public sector, and low-income community who are democratically selected by a local ABCD Advisory Board of their peers. Leaders from each of these groups collaborate on developing responses to local needs for our most underserved and at-risk neighbors.

AMERICAN CONSUMER CREDIT COUNSELING

History Founded in 1991, American Consumer Credit Counseling (ACCC) is a nonprofit (501) (c)(3) organization, offering confidential consumer credit counseling services, debt management, budget counseling, bankruptcy counseling, housing counseling, student loan counseling and financial education to consumers nationwide. ACCC is a leader in the credit counseling industry and has national counseling experience. ACCC is dedicated to helping people regain control of their finances and plan for a debt-free future. Our professionally trained and certified counselors assist individuals in all of their financial needs and provide a plan of action to address their financial situation. ACCC is a member of the National Foundation for Credit Counseling (NFCC), is accredited by the Council on Accreditation (COA), and is accredited by the Better Business Bureau with an A+ rating. Our Mission ACCC strives to empower consumers to regain control over the quality of their lives through financial education, counseling, and debt management. Our Vision ACCC strives to develop a greater community of financially responsible individuals and families that will thrive for generations to come. Through collaboration with community partners and financial institutions, ACCC is dedicated to providing unsurpassed financial education and services to those who need it most. General Disclaimer: ACCC is not a loan company. ACCC is a registered or licensed debt management service provider where applicable. Specific license information is available upon request. Not all services are available in all states. Fees may apply for debt management plan services. Terms and conditions apply. Eligibility requirements apply for debt management plans. Individual results may vary depending upon a number of factors including creditor participation. None of the information contained in this website constitutes, nor should be construed as financial advice.

ASIAN COMMUNITY DEVELOPMENT CORPORATION

CAMBRIDGE CREDIT COUNSELING CORPORATION

The Cambridge Mission "Cambridge is committed to helping individuals and families resolve their financial challenges. We offer a comprehensive suite of solutions to assist with unsecured debts, housing issues and student loans." Our Quality Policy Cambridge Credit Counseling is committed to utilizing the principles of continuous quality improvement by establishing and maintaining a quality management system to benefit our customers, our company, and all interested parties whenever possible. This commitment includes providing the highest level of quality throughout every aspect of our business practices. Specifically, Cambridge is committed to: Providing our customers with superior debt management services, tools, and financial education to help them reduce or eliminate debt; Satisfying all applicable statutory and regulatory requirements necessary to administer our services; Providing our employees with a suitable working environment and giving them the tools, training, and support needed to succeed within our agency; Adhering to the policies of our client’s creditors to ensure program success, timely payments, and acceptable plan proposals; and Understanding the needs and expectations of all interested parties and working to continually improve their satisfaction. Our History Cambridge Credit Counseling is a 501(c)(3) not-for-profit agency offering a variety of services to help people with their financial challenges. Established in 1996, we’ve been providing credit counseling and financial literacy education to consumers nationwide since our inception, and have since added several services to our menu of offerings. Our services now include: Credit counseling and financial education Debt consolidation HUD-approved housing counseling services, including foreclosure intervention Bankruptcy counseling services approved by the Department of Justice’s Executive Office of US Trustees Reverse Mortgage counseling, approved by the Massachusetts Executive Office of Elder Affairs Student loan counseling Our counselors have an average of 14 years’ tenure with Cambridge and, in that time, have acquired and maintain national certifications through the Association for Financial Counseling and Planning Education, the Partnership for Financial Education, NeighborWorks, and the United States Department of Housing and Urban Development. Considering their experience, knowledge and dedication, we consider our counselors to be experts in the financial counseling profession. Our Services Credit Counseling Credit Counseling is a FREE SERVICE that we offer to consumers who are having difficulty paying their credit card, and other unsecured bills. The purpose of a credit counseling session is to identify the reasons someone is having trouble paying their bills. Our nationally and independently-certified credit counselors will analyze all income and expenses and come up with a personalized action plan based on that person’s unique situation. If this FREE DEBT ANALYSIS indicates that the consumer will benefit from enrollment on our Debt Management Plan, only then will the credit counselor offer one. There is never any obligation to enroll in a Debt Management Plan after a Credit Counseling session. Click here to learn more about Credit Counseling. Debt Management Plans After one of our certified credit counselors performs a thorough review of a consumer’s finances, and only if the consumer will benefit from it and can afford the payments, a debt management plan may be offered as a possible solution. Consumers who enroll in a debt management plan will make one simple monthly payment to Cambridge and we will send out payments to each of the creditors included on the plan. Creditors often offer certain benefits to help these consumers get out of debt quickly and with as little cost as possible. Our average debt management plan client saves 25% on their monthly credit card payments and are debt free in around 50 months. Click here to learn more about Debt Management Plans. Housing Counseling Cambridge is approved by the U.S. Department of Housing and Urban Development (HUD) to provide a variety of housing-related counseling services throughout the country. These services include Foreclosure Intervention & Default Counseling, rental counseling, and First-Time Homebuyer Courses. Click here to learn more about Housing Counseling. Reverse Mortgage Counseling In the wake of the recession, many seniors found themselves in a situation where they no longer had the retirement funds available to live comfortably through their golden years. Seniors age 62 and older may be eligible to use the equity in they’ve built up in their homes as a source of income through a reverse mortgage. In order for a reverse mortgage to be finalized, borrowers must complete a counseling session with an approved agency like Cambridge. We have one of the largest reverse mortgage counseling divisions at any one location in the country. We offer an impartial explanation of the pros and cons of a reverse mortgage so that the consumer can make an informed decision. Click here to learn more about Reverse Mortgage Counseling. Student Loan Counseling Student loan debt now ranks number two in terms of highest consumer debt, second only to mortgage debt. Many students leave school with the hopes of earning enough money to pay their student loans without issue, but many find that the repayment of these loans inhibits their ability to live financially stable lives. Thankfully, there are a variety of options to help borrowers repay their loans, but identifying the most appropriate course of action can be difficult and overwhelming. Our student loan counselors will review your financial profile and help you identify the best solution to your particular situation, and they’ll stick with you as a personal advocate for your best interests. Click here to learn more about Student Loan Counseling. Bankruptcy Counseling In the United States, anyone who files a bankruptcy petition must participate in educational courses before and after filing. Cambridge is approved by the U. S. Justice Department’s Executive Office of United States Trustees (EOUST)* to administer a pre-filing credit counseling course and a post-filing debtor education course. Our bankruptcy courses are both available online. Click here to get started with Bankruptcy Counseling. *Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services. Financial Education At the root of most financial problems is a lack of proper financial education. Financial literacy remains a subject that is rarely taught in our school systems, therefore people usually have to rely on their parents or the “school of hard knocks” to figure it all out. Regardless of which program consumers choose to enroll in, and even if they aren’t a client at all, everyone has access to our free financial literacy materials. We’ve got hundreds of articles, videos, guidebooks, and worksheets to not only assist you in taking control of your financial life, but also to provide the education you need to take with you for the rest of your life. Click here to visit our financial education center.

CATHOLIC SOCIAL SERVICES - FALL RIVER

Catholic Social Services is committed to improving the quality of life for those in need by providing comprehensive social and human services including basic and emergency needs, homelessness, immigration issues, housing and residential services, disabilities, adoption, mental health counseling, elder health services, neighborhood rehabilitation, foreclosure help, citizenship services and much more. CSS works with persons of all faiths and cultures in the Spirit of God’s universal love to advance human dignity and promote social justice, truth, and solidarity in our community.

CENTRO DE APOYO FAMILIAR - CENTER FOR ASSISTANCE FAMILIES

Centro de Apoyo Familiar or Center for Assistance to Families (CAF) is a non-profit, HUD approved comprehensive Housing Counseling Agency. We provide free educational workshops as well as a full range of Housing Counseling services, including: (1) Pre-purchase; (2) Foreclosure; (3) Non-delinquency Post-purchase; and (4) Rental Counseling. We serve all clients regardless of income, age, race, color, religion, creed, sex, nationality, family status, disability, or sexual orientation/gender identity. We administer our program in conformity with local, state and federal anti-discrimination laws. All workshops are conducted in English and Spanish. Center for Assistance to Families (CAF) serves annually over 15,000 low-income Latino and immigrant families. CAF was founded in the state of Massachusetts in 2006 to provide distressed homeowners with housing counseling services to prevent foreclosures. In 2009, CAF expanded to Prince George’s County in the state of Maryland to expand its housing and collaboration efforts with its Faith-Based network, integrating its Community Transformation Model that seeks to em-power families and communities with re-sources such as food distribution, health, jobs, businesses, housing opportunities and other key resources. In 2017 CAF merged with Housing and Community Services of Northern, Virginia (HCSNV) to continue its legacy of serving low-income families in the Northern Virginia.

CHELSEA RESTORATION CORPORATION

CITY OF BOSTON - DEPT OF NEIGHBORHOOD DEVELOPMENT

The Department of Neighborhood Development is responsible for housing the homeless, developing affordable housing, and managing the City’s real estate. We also work to ensure that renters and homeowners can find, maintain, and stay in their homes.

CODMAN SQUARE NEIGHBORHOOD DEV. CORP.

In 2021, Codman Square Neighborhood Development Corporation (CSNDC) will celebrate its 40th year serving Codman Square and South Dorchester. Throughout this time, we have been working with local residents, businesses, and organizations to foster a healthy, thriving and equitable community by: Developing HOUSING and commercial spaces that are affordable and safe Creating ECONOMIC OPPORTUNITY for low- and moderate-income residents of all ages Fostering COMMUNITY ENGAGEMENT to build the capacity and involvement of local residents Promoting SUSTAINABILITY of the local environment for future generations Our mission is to build a cohesive and resilient community in Codman Square and South Dorchester, develop affordable housing and commercial spaces that are safe and sustainable, and promote economic stability for low- and moderate-income residents of all ages. CSNDC serves a two square mile area of Dorchester that is bounded by Columbia Road and Geneva Avenue to the north, Gallivan Boulevard and Morton Street to the south, Blue Hill Avenue to the west, and Dorchester Avenue to the east.