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Helps low-income residents who cannot afford an attorney file for Chapter 7 bankruptcy.
Provides one-on-one personal financial counseling; works out repayment arrangements with creditors; helps clients get relief from collector phone calls, over-limit fees, and late fees with credit card companies and other unsecured debt; assists with budgeting, debt management plans and credit education; provides pre-filing bankruptcy counseling.
Provides a hotline for those considering bankruptcy. Provides information for individuals falling behind on their mortgage and chapter 13 bankruptcy to potentially save the home from foreclosure.
Offers counseling on reverse mortgages and mortgage delinquency.
Provides one-on-one personal financial counseling; works out repayment arrangements with creditors; helps clients get relief from collector phone calls, over-limit fees, and late fees with credit card companies and other unsecured debt; assists with budgeting, debt management plans and credit education; provides pre-filing bankruptcy counseling.

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

-- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

-- Evictions from mobile home parks.

-- Evictions by private landlords.

-- Discrimination and disability accommodation (see Fair Housing Project).

-- Foreclosure, property tax, and other homeownership issues.

-- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Services

Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance
Debt Management
Foreclosure prevention includes one on one sessions with a counselor to review current status and review possible options. Advocacy services including contacting lenders, reviewing documents, and assisting with completing budget.

Personalized, organized program to pay down debts based what the individual can afford. Works with creditors to stop collection activities, reduce payments, reduce interest, and get clients out of debt quickly.


Plans focus on financial education and empowerment so that by the time the program is completed, the client is debt free and equipped with the tools to stay out of debt.

Helps low-income Americans in financial distress file Chapter 7 bankruptcy at no cost. Combines technology with pro bono attorneys. The legal team includes lawyers, engineers, and judges.

Services

Debt Management
Housing counseling, foreclosure counseling. Closing cost assistance for homebuyers. Some funds available for households in foreclosure due to COVID.

Services

Community Development Corporations
Housing Counseling
Housing Down Payment Loans/Grants
Mortgage Payment Assistance
Debt Management
Counseling to ensure safe, affordable housing. Offers pre-purchase counseling, rental counseling, home buyer counseling, foreclosure mitigation, and home ownership counseling.
Accessline provides free legal advice, brief service and representation to low-income people on areas such as: consumer law, family law, housing law, public benefits, disability benefits, employment/unemployment, public benefits, clearing a criminal history and educational rights.

After contacting one of the hotlines, cases may be referred to Legal Aid local offices for extended representation.

Private Attorney Involvement Program links clients to attorneys in their local area for free legal services in family law matters.

Taxpayer clinics educate low-income taxpayers about their tax rights and responsibilities and how to file for low-income tax credit.

Homeless Assistance Project (Douglas and Lancaster Counties) provides assistance with family law, child support modification, bankruptcy, license revocation, and disability claims.

Migrant Worker program provides civil legal services to migrant farm workers.

Housing counseling assists people who are homeless by making referrals and assessing their legal needs. Assists renters who are having problems getting things fixed, need help with landlord issues, or are facing eviction; work with HUD issues; assist home buyers or home owners with questions, etc.

Assists in the following areas, in addition to the programs already noted: Bankruptcy, Foreclosure, Landlord-Tenant, Utility Shutoffs, Public Benefits, Unemployment, Family Law (including Divorce, Custody/Visitation, Child Support, Domestic Abuse).

Services

Child Custody/Visitation Assistance
Child Support Assistance/Enforcement
Domestic/Family Violence Legal Services
Tax Information
General Legal Aid
Housing Counseling
Legal Representation
Debt Management
Advance Medical Directives
Landlord/Tenant Assistance
Legal Counseling
Legal Information Services
Elder Law
Welfare Rights Assistance
Labor and Employment Law
Will Preparation Assistance
CEDA's staff of HUD-certified Housing Counselors are available to assist with foreclosure prevention, pre-purchase, post-purchase, rental counseling, and financial counseling. We can also help identify those who qualify for new COVID-19 rent/mortgage relief programs.

Services

Homebuyer/Home Purchase Counseling
Tenant Readiness Education Programs
Personal Financial Counseling
Homeless Diversion Programs
Mortgage Delinquency and Default Counseling

Families falling behind on mortgage payments can speak with a housing counselor to discuss methods to stop foreclosure, including loan modification, forbearance plans, or other programs to allow the family to remain in the home and catch up missed payments. This is not a rent assistance helpline.

Provides assistance to individuals who have loans through a payday lending program and/or a car title. Services include a no-interest loan to assist with paying off all or some of the payday or title loan, on-going, intensive one-on-one financial counseling, financial and spiritual support and guidance, and referrals to other social service agencies for additional support.

Offers free mortgage counseling for homeowners and will help with a third-party mediation to help get modifications on home loans. Works in conjunction with Iowa Legal Aid if legal services are needed during the advocacy process.

Services

Home Purchase/Mortgage Refinance Loans
Debt Management
Mediation

Callers with unsecured debts such as credit cards or medical debt speak directly with trained counselors to discuss programs to reduce payments, interest, and late fees. Under a debt management plan, counselors can contact creditors and reduce payments, interest, and even principal amounts owed. These steps can help families reduce debt and avoid bankruptcy. This service focuses on unsecured debts such as credit cards, medical debts, and personal loans.

Negotiates with current creditors to lower or eliminate the interest rate (typically to 2% to 8%) and have clients debt-free in five years or less. There is no prepayment penalty. Clients can leave the program at any time, although the creditors may return the interest rates to previous levels. Regardless of how many creditors are owed, this program works on a single, consolidated monthly payment.

Services

Debt Management
Personal Financial Counseling
Free legal assistance with civil legal problems involving basic necessities for low-income individuals in all 99 Iowa counties. Assistance ranges from providing counsel and advice to representation before various agencies and courts.

Community legal education presentations offered, as well as over 20 printed booklets on various legal topics; a wide variety of legal education materials are also available on the website.

Legal services are provided in all civil legal areas, including:
Consumer/Finance - debt collection, repossession, garnishment, contracts/warranties, predatory lending, and public utilities (including utility disconnection or shut off notices).

Education - expulsion/suspension, special education, learning disabilities, school fees, access, vocational education, and student financial aid.

Employment - employment discrimination, wage claims, earned income tax credit, and taxes.

Family - adoption, custody, visitation, guardianship, domestic abuse, human trafficking and exploitation, family violence (child abuse, elder abuse, battered women/men), including assistance with restraining orders, and child support.

Health - Medicaid, Medicare, government children's health insurance programs, long term health care facilities, nursing homes, supplemental medical insurance, and hospital care.

Housing - federally subsidized housing, homeownership, real property, landlord/tenant, public housing, mobile homes, housing discrimination, foreclosures, forfeitures, and mortgage predatory lending practices.

Benefit Programs - ADFC/FIP, Social Security, food stamps, Social Security Disability (SSD), Supplemental Security Income (SSI), unemployment compensation, veterans benefits, FEMA, government benefits, and utility assistance applications.

Individual Rights - mental health, disability rights, civil rights, human trafficking, AIDS/HIV issues, assistive devices, and institutional confinement.

End of Life Planning - wills, living wills, advance directives, and power of attorney.

Drivers License.

Advocacy and legal assistance for people with disabilities, people with Alzheimer's disease, people with brain injury, people with mental illness, children, migrants, and veterans.

Services

School System Advocacy
Legal Representation
Discrimination Assistance
Advance Medical Directives
Legal Information Services
Patient Rights Assistance
Child Support Assistance/Enforcement
Adoption Legal Services
Human Trafficking Legal Assistance
Landlord/Tenant Assistance
Debt Management
Veteran Benefits Assistance
Will Preparation Assistance
Protection and Advocacy for Individuals With Disabilities
General Legal Aid
Labor and Employment Law
Welfare Rights Assistance
Child Custody/Visitation Assistance
Domestic/Family Violence Legal Services
Protective/Restraining Orders
Consumer Law
Tax Information
Certificates/Forms Assistance

Helps homeowners and tenants save their homes through available legal strategies, including foreclosure defenses in court, bankruptcy, income generation, loan modification, and various alternatives to foreclosure.

Helps with:

-- Subsidized housing (public housing, Section 8 and other rental assistance) evictions, termination of assistance, rent calculations, and admissions issues.

-- Evictions from mobile home parks.

-- Evictions by private landlords.

-- Discrimination and disability accommodation (see Fair Housing Project).

-- Foreclosure, property tax, and other homeownership issues.

-- Housing protection for seniors, veterans, and people living with HIV/AIDS.

Services

Public/Subsidized Housing Appeals Assistance
Landlord/Tenant Assistance
Debt Management
Homebuyer education offers monthly workshops to help potential homeowners prepare for homeownership; one-on-one counseling is also available after completing the workshop.

Advocacy services include preparing mortgage plan, review purchase agreements, review credit reports, and assist with correcting incorrect information on credit reports.

Foreclosure prevention counseling.

Financial education.

Services

Housing Counseling
Financial Literacy Training
Personal Financial Counseling
Debt Management
Debt counseling at low cost.

Budgeting assistance.

Pre-filing bankruptcy counseling.

Help interpreting credit reports.

Housing education and counseling.

Community education and speaker's bureau, educational information for companies experiencing layoffs.

Services

Housing Counseling
Financial Literacy Training
Personal Financial Counseling
Debt Management
Accessline provides free legal advice, brief service and representation to low-income people on areas such as: consumer law, family law, housing law, public benefits, disability benefits, employment/unemployment, public benefits, clearing a criminal history and educational rights.

After contacting one of the hotlines, cases may be referred to Legal Aid local offices for extended representation.

Private Attorney Involvement Program links clients to attorneys in their local area for free legal services in family law matters.

Taxpayer clinics educate low-income taxpayers about their tax rights and responsibilities and how to file for low-income tax credit.

Homeless Assistance Project (Douglas and Lancaster Counties) provides assistance with family law, child support modification, bankruptcy, license revocation, and disability claims.

Migrant Worker program provides civil legal services to migrant farm workers.

Housing counseling assists people who are homeless by making referrals and assessing their legal needs. Assists renters who are having problems getting things fixed, need help with landlord issues, or are facing eviction; work with HUD issues; assist home buyers or home owners with questions, etc.

Assists in the following areas, in addition to the programs already noted: Bankruptcy, Foreclosure, Landlord-Tenant, Utility Shutoffs, Public Benefits, Unemployment, Family Law (including Divorce, Custody/Visitation, Child Support, Domestic Abuse).

Services

Child Custody/Visitation Assistance
Child Support Assistance/Enforcement
Domestic/Family Violence Legal Services
Tax Information
General Legal Aid
Housing Counseling
Legal Representation
Debt Management
Advance Medical Directives
Landlord/Tenant Assistance
Legal Counseling
Legal Information Services
Elder Law
Welfare Rights Assistance
Labor and Employment Law
Will Preparation Assistance
Offers legal representation in areas of civil law to low-income individuals and seniors. Legal matters include: Public Benefits: - Loss or denial of SSI, TANF, Veterans Benefits, SNAP (food stamps) Family Law: - Abuse or exploitation for persons facing domestic violence, elderly, children, and individuals with disabilities. - Divorce and related relief for persons facing domestic violence Housing Law: - Evictions and lock-outs - Foreclosure defense - Loss or denial of subsidized housing benefits - Loss or denial of essential public utilities - Substandard housing conditions cases that cannot be addressed by other agencies Health Care: - Loss or denial of medical or nursing home care - Loss or denial of medical benefits (Medicaid, Medicare) - Guardianships and Powers of Attorney Other income benefits where alternative representation is unavailable: - Loss or denial of unemployment insurance - Social Security Disability benefits Tax Law: - Disputes or audits with the IRS - Appeals and cases in court - Protection from Collection - Innocent Spouse Relief - Tax-related Identity Theft - State tax issues (if a related federal tax issue) Eligible callers seeking counseling will receive immediate advice or a referral Note: Due to limited resources, not everyone can receive assistance. Visit the Additional Resources page on the website for additional information. For information regarding the agency's service area and office locations, please visit: https://pslegal.org/our-offices
Provides workshops to repay unsecured debt at lower interest and fees. Counselors provides clients with a program suited to their ability to pay and provides an estimate of the time to complete the program. Also offers: - Assistance with housing issues - Debt - Bankruptcy - Student loans. Note: Program in currently looking for a new location. Address listed is main agency. Contact for help and more details.