FAIR HOUSING COUNCIL OF NORTHERN NEW JERSEY

AFFORDABLE HOUSING ALLIANCE, INC.

Home is more than a place, it’s a feeling. We believe everyone has the right to feel safe, secure, and comfortable in their living environment. The Affordable Housing Alliance is a community catalyst that provides housing and related relief to all who need it, giving every New Jersey resident the opportunity to live a better life. Our team of knowledgeable, compassionate difference-makers offers rental and homeownership help, mortgage and foreclosure counseling, utility assistance, and homebuyer education, guiding people through every step of the process to achieve stability, progress, and peace of mind.

AFFORDABLE HOUSING ALLIANCE, INC. TOMS RIVER BRANCH OFFICE

Home is more than a place, it’s a feeling. We believe everyone has the right to feel safe, secure, and comfortable in their living environment. The Affordable Housing Alliance is a community catalyst that provides housing and related relief to all who need it, giving every New Jersey resident the opportunity to live a better life. Our team of knowledgeable, compassionate difference-makers offers rental and homeownership help, mortgage and foreclosure counseling, utility assistance, and homebuyer education, guiding people through every step of the process to achieve stability, progress, and peace of mind.

BURLINGTON COUNTY COMMUNITY ACTION PROGRAM

Burlington Community Action Partnership, Inc. (BCAP) began operating in 1965. The organization was established to address the needs of low-income persons in Burlington County. Nationally, at the time of the Agency’s inception, Congress had declared its War on Poverty and signed the Economic Opportunity Act of 1964. It stated that everyone in America should have an opportunity to obtain an education, work, and live in decency and with dignity. As one of the most significant legislative documents of our time, it impacted positively upon the lives of America’s poor and disadvantaged of all ages, races, colors, creeds, and ethnic backgrounds. It provided for the creation of Community Action Agencies throughout the nation to work toward the elimination of poverty. Locally, in response to the critical human needs of the poor, a small group of individuals began meeting in each other’s homes and in area churches to develop strategies for eliminating poverty and removing the barriers to self-sufficiency. With dedication to the mission and a common vision, those unsung heroes carved out the framework for a community-based organization of people helping people to help themselves. Now one of the oldest of twenty-three community action agencies operating in New Jersey, Burlington Community Action Partnership, Inc. is led by a tripartite Board of Trustees consisting of one-third representation from community stakeholders, one-third from public officials, and one-third from low-income residents. The number and scope of activities administered by BCAP has grown steadily over the years. The Agency has moved from a small grassroots direct services program to one that operates projects having long-term effect on the community and totaling more than $10 million annually. Program funds are used to support Housing and Energy, Community Services, Education and Health; and are reflective of the Agency’s commitment to serving low-income persons in Burlington County.

CATHOLIC CHARITIES DIOCESE OF CAMDEN, INC.

CATHOLIC CHARITIES OF THE ARCHDIOCESE OF NEWARK

Catholic Charities as a ministry of the Archdiocese of Newark participates in the Church's social mission by recognizing the inherent dignity and worth of all people and responding with sincere Christian compassion to the corporeal needs of the poor and marginalized. The service of Catholic Charities is inspired by faith in Jesus Christ, Sacred Scripture, and the continuing exposition of Catholic social teaching. Through these activities, Catholic Charities strives to assist individuals in need, strengthen families, and provide those it serves with an experience of God's mercy.

CCCS OF DELAWARE VALLEY, INC. DBA CLARIFI

Founded over 50 years ago, Clarifi has helped more than 750,000 families throughout Philadelphia and the Delaware Valley to reach their financial goals. We believe in meeting our clients wherever they are on their financial journeys and offer non-judgmental help to keep them moving in the right direction. Our certified financial counselors can help create a budget, start savings plan, pay down debts, or even prevent a foreclosure.

CENTRAL JERSEY HOUSING RESOURCE CENTER, INC.

CONSUMER CREDIT AND BUDGET COUNSELING, DBA NATIONAL FOUNDATION FOR DEBT MANAGEMENT

Judy Sorensen, President & Chief Executive Officer Judy Sorensen is President of National Foundation for Debt Management, Inc. In addition to her 10 years’ experience in the field of financial education and counseling, she also has experience in the residential mortgage industry having held various positions in retail loan production and legal/regulatory divisions. A 1991 graduate of Thomas Cooley Law School, Ms. Sorensen is a member of the Virginia State Bar. In addition, she is admitted to practice before the DC Court of Appeals and the Supreme Court of Virginia. She has extensive public speaking experience and is also the President of the Association of Credit Counseling Professionals Russell Graves, Executive Director & Treasurer Russell Graves is the Executive Director of Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management, a non-profit multi-state licensed credit counseling agency he started with his family in 1998. In addition to a Master’s Degree in Finance, Mr. Graves has held professional designations of Accredited Financial Counselor, Certified Educator in Personal Finance, Certified Housing Counselor, Certified Credit Report Reviewer and Identity Theft Prevention Specialist.

CONSUMER CREDIT AND BUDGET COUNSELING, DBA NATIONAL FOUNDATION FOR DEBT MANAGEMENT

Judy Sorensen, President & Chief Executive Officer Judy Sorensen is President of National Foundation for Debt Management, Inc. In addition to her 10 years’ experience in the field of financial education and counseling, she also has experience in the residential mortgage industry having held various positions in retail loan production and legal/regulatory divisions. A 1991 graduate of Thomas Cooley Law School, Ms. Sorensen is a member of the Virginia State Bar. In addition, she is admitted to practice before the DC Court of Appeals and the Supreme Court of Virginia. She has extensive public speaking experience and is also the President of the Association of Credit Counseling Professionals Russell Graves, Executive Director & Treasurer Russell Graves is the Executive Director of Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management, a non-profit multi-state licensed credit counseling agency he started with his family in 1998. In addition to a Master’s Degree in Finance, Mr. Graves has held professional designations of Accredited Financial Counselor, Certified Educator in Personal Finance, Certified Housing Counselor, Certified Credit Report Reviewer and Identity Theft Prevention Specialist.