U.S. Department of Labor - Employment & Training Administration

For more resources, go to our Jobs & Careers InfoGuide

Consumer Credit Counseling Service

Consumer Credit Counseling Service is a non-profit United Way Agency that offer free financial consumer credit counseling and credit education. Creditors are usually very cooperative because our clients have professional guidance. All counseling is completely confidential and free.

 To learn about their services, click here.

The Federal Deposit Insurance Corporation (FDIC) Money Smart

A comprehensive financial education curriculum designed to help develop financial skills and positive banking relationships. The FDIC has helped more than one million consumers.

Money Smart Online (English)

Money Smart Online (Español)

For more resources, go to our Community Services InfoGuide

AARP Money Page

Senior Citizens' Resources

Official information and services from the U.S. government including links to resources and services for Money and Taxes for Seniors, Retirement, Consumer Protection for Seniors, Federal and State Agencies for Seniors, and Housing for Seniors

Department of Health and Human Services Administration on Aging

Information and services from the the Department of Health and Human Services including links to Find Local Programs, Check for Benefits, Find Helpful Print and Web Resources, Medicare.gov, and Long-Term Care Planning.

Social Security Online

The official website of the U.S. Social Security Administration with information for retirees, survivors, those with a disability and others to apply for retirement or disability benefits online, request a social security card, "retire online" (it's so easy), get help with prescription drug costs and find information about Social Security cost of living adjustsments.

For more resources for help with finding work, go to our Senior Life InfoGuide

HELP of Southern Nevada

HELP of Southern Nevada is the premiere community resource in the Valley, assisting families and individuals throughout Southern Nevada to overcome barriers and attain self-sufficiency through direct services, training and referral to community resources. The building blocks for HELP of Southern Nevada lead to four cornerstones: Housing, Emergency Services, Life Skills and Prevention. Within these four cornerstones there are a variety of services and programs designed to assist those seeking self-sufficiency in our community.

Legal Aid Center of Southern Nevada

The mission of Legal Aid Center of Southern Nevada is the preservation of access to justice and the provision of quality legal counsel, advice and representation for individuals who are unable to protect their rights because they cannot afford an attorney.

Women's Development Center

Women's Development Center owns and maintains several homes and apartments throughout southern Nevada, providing modern, comfortable housing for low-income families and individuals. These apartments are a haven for low-income women with children where individual caseworkers provide support services on site, education programs cover topics such as employment, budgeting, and child care, with the overall goal of empowering these struggling families with the skills and resources they need to become truly self-sufficient. The Children’s Center provides fun and learning activities for the children while their mothers attend education programs.

For more resources, go to our Living in Southern Nevada InfoGuide

Nevada Foreclosure Information Workbook

The Nevada Foreclosure Prevention Taskforce provides the Foreclosure Information Workbook. The workbook is designed to be a tool that can help you make informed decisions when facing mortgage delinquency and possible foreclosure. It offers clear direction on what information you will need to gather key documents, household income and household expenses when you approach your loan servicer and a housing counselor about your situation. It provides information to help you decide if you can afford to keep your home or if you will need to take other steps. It tells you how to find your servicer, how to choose a reputable housing counseling agency and alerts you on how not to become a victim of a foreclosure scam.

Download The Nevada Foreclosure Information Workbook

Download The Nevada Foreclosure Information Workbook Audiobook Part I

Download The Nevada Foreclosure Information Workbook Audiobook Part II

State of Nevada Foreclosure Mediation Program

The Foreclosure Mediation Program allows homeowners to sit down with mortgage lenders, under the leadership of trained mediators, to discuss alternatives to foreclosure.  Mediation is a process of give and take and the parties must negotiate in good faith.  A mediator does not have the authority to order a resolution or an action, as a judge in a court case would, but may be able to help the parties reach a mutually beneficial agreement. Under Nevada law, the program is open to homeowners of owner-occupied houses who receive foreclosure notices that were filed after July 1, 2009.  Persons who received foreclosure notices filed before that date can join the mediation program only if their lenders agree.

Read the answers to Frequently Asked Questions about the Foreclosure Mediation Program

Foreclosure Help for Renters

Renters are hurt by the foreclosure situation, too. If a landlord rents out a home or other property and is facing foreclosure, the tenant may not be allowed to stay on the property. Also neither the landlord nor the bank is legally obligated to let the tenant know about the foreclosure. Most of the time, the renter is told about the foreclosure when the party is being told to leave the property. Many times, tenants who are on a fixed income and who are evicted on short notice may have a lot of trouble finding another place to live. Plus, they may not have the finances for the move. A tenant may have trouble coming up with the security deposit for a new place to live and they may never get back the security deposit from the foreclosed landlord. Some people have continued to pay the landlord rent even though the landlord does not own the property anymore.

State of Nevada Foreclosure and Renters Page

Department of Housing and Urban Development Tenant Rights, Laws and Protections for Nevada

If you are a renter and you have received an eviction notice, check the Nevada Renters Page

How to Avoid Foreclosure Scams

A fairly new and dangerous threat has arisen for homeowners who have fallen behind on their mortgage payments and may be at risk of opportunistic companies. They often refer to themselves as a foreclosure consultant, mortgage consultant, and market themselves as a foreclosure service, foreclosure rescue agency or loan modification company. They count on homeowners being vulnerable and desperate. These companies claim they can assist homeowners facing foreclosure with options that allow them to keep their property, refinance or modify an existing mortgage, repair credit or help buy more time. In reality, these options are intended to convince you to take the wrong steps so they can take your money and possibly your home. Remember the old saying, If it sounds too good to be true, it probably is.

State of Nevada webpage on Common Foreclosure Scams to Avoid

Beware of Foreclosure Rescue and Loan Modification Scams Brochure from the F.D.I.C.

Home Affordable Modifications - Information from the US Department of Treasury

This site provides homeowners with detailed information about Loan Modification programs along with self-assessment tools and calculators to empower borrowers with the resources they need to determine whether they might be eligible for a modification or a refinance under the Administration's program. Through this website, borrowers can also connect with free counseling resources to help with outstanding questions; locate homeowner events in their communities; find a handy checklist of key documents and materials to have ready when making that important call to their servicer as well as FAQs from borrowers in similar circumstances; and much more.

If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments may be eligible.