HANDS offers housing/home ownership information to low-income people. They can help you find an apartment. They can guide you towards owning your own home. They offer one-on-one counseling sessions. Most HANDS counseling is free.

Counseling services include:

• Affordable Apartments
• Budgets
• Foreclosure Prevention
• Pre-Home Purchase
• Tenant Rights

HUD can help you avoid foreclosure. They have several programs available. They can assist with finding help, avoiding scams, and knowing the law. Please call or visit the website to learn more.

Toll Free: 800.225.5342 (Federal Housing Administration Resource Center)
Free Foreclosure Prevention Counseling: 888.995.4673

InCharge is a non-profit agency that helps with debt management. This includes combining all credit card payments into one monthly amount. The agency works with creditors to lower interest rates. It delivers a plan to pay off credit cards in much less time.

Services include:

• Bankruptcy Pre-Discharge Counseling
• Bankruptcy Pre-Filing Counseling
• Budget & Credit Counseling
• Debt Management Program
• Forclosure Prevention Help
• Military Debt Relief
• Pre-Purchase Housing Counseling

• Consumer Law

- bank account garnishment
- debt collection
- personal bankruptcies

• Family Law

- custody
- divorce

• Housing Law

- foreclosure
- private tenant problems

• Immigration Law

- adjustment of status
- citizenship
- VAWA

Outreach locations:
(Appointments for the Outreach offices must be scheduled through the main office number: 407.841.8310, M-Th 9:00am - 12pm and 1:30pm - 3:00pm)

Apopka
Orange County Services Building
1111 North Rock Springs Road
Room 10
Apopka, FL 32712
Hours: Wed 2:00PM

Washington Shores
L. Claudia Allen Senior Citizen Center
1840 Mabel Butler Avenue
Orlando, FL 32805
Hours: Fri 10:00AM

Winter Garden
West Orange Neighborhood Center for Families
855 East Plant Street
Suite 700
Winter Garden, FL 34787
Hours: Wed 9:00AM