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Financial Coaching

Program Overview

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Housing Assistance

The City of Charlottesville and Albermarle County offer several options for emergency financial assistance.

  • See HERE for financial assistance with rent payments.
  • See HERE for financial assistance with utility payments.

Homeownership and Mortgages

Paying a mortgage is an important part of homeownership. If you are struggling to pay your mortgage, or are concerned about missing a payment, you should contact your mortgage servicer as soon as possible. You may qualify for financial relief options.

  • See HERE for resources on getting a mortgage and maintaining a mortgage.
  • See HERE for Bankrate’s tips on calculating an affordable mortgage payment for your family.
  • See HERE for Bankrate’s tips on calculating an affordable mortgage payment for your family.

Foreclosure Assistance

If you are concerned about foreclosure, you should contact your mortgage servicer as soon as possible. Additionally, you should contact a HUD-approved housing counselor to receive free, professional assistance on avoiding foreclosure.

  • See HERE for a checklist on how to avoid foreclosure
  • See HERE for a list of HUD-approved housing counseling agencies.

Managing Credit and Paying off Debt

Managing your credit and paying off debts can give you more financial freedom.

  • See HERE for a video on steps to help get out of debt.
  • See HERE for a video on strategies for paying off debt.

Negotiating with Creditors and Debt Collectors

The creditor is the company that originally provides you with the credit or loan. Negotiating with creditors can help to lower your rate or repayment plan.
Debt collectors are third party companies that have been hired to collect your debt. Debt negotiations with creditors and debt collectors can also help

  • See HERE for a video on negotiating with creditors.
  • See HERE for information on negotiating a settlement with debt collectors.

Unemployment

You can file for unemployment benefits by completing an online application or by calling 1-866-832-2363 to get started.

  • See HERE for instructions to apply.
  • See HERE for a video on how to apply.

Negotiating with Creditors and Debt Collectors

If you are experiencing financial difficulty, you might qualify for benefits through the state of Virginia. You can apply to public assistance programs including:

  1. Food stamps (SNAP)
  2. Cash assistance (TANF)
  3. Utility assistance (LIHEAP)
  4. Medical assistance
  5. Child care
  • Click HERE to apply online or call 1-855-635-4370 to get started.

967 2nd St SE,
Charlottesville, VA 22902

Tax ID #: 54-1574925 Phone: 434-293-9066

We bring people together to build and rebuild homes and communities while catalyzing new pathways to safe, decent, affordable housing.