USING HOME EQUITY TO MEET FINANCIAL NEEDS11
Where to go for help
Legal help
§ Free legal services for people
over age 60
Find local programs that provide
free legal help to people over
age 60 by contacting the national
Eldercare Locator at (800) 677-1116
or eldercare.acl.gov.
§ Free legal services for people
with low income
Find local programs that provide
free legal help to low-income
people through the Legal Services
Corporation at (202) 295-1500 or
lsc.gov/nd-legal-aid.
§ Fee-for-service lawyers
The American Bar Association
provides information about how to
nd a lawyer in each state, available
legal resources, how to check
whether a lawyer is licensed, and
what to do if you have problems
with a lawyer, at (800) 285-2221 or
ndlegalhelp.org.
Housing counseling
The U.S. Department of Housing and
Urban Development (HUD) provides
a list of approved housing counseling
agencies that offer advice on buying
or renting a home, curing a mortgage
default, obtaining a forbearance
and avoiding foreclosure. The
HUD-approved housing counseling
agencies offer independent advice,
often at little or no cost to you, at
(800) 569-4287 or consumernance.
gov/nd-a-housing-counselor.
Credit counseling
Most credit counselors offer services
through brick-and-mortar ofces,
online, or via telephone. The U.S.
Department of Justice publishes a
list of approved credit counselors.
Call (202) 514-4100 or see the list at
justice.gov/ust/list-credit-counseling-
agencies-approved-pursuant-11-
usc-111.