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The Student Loan Crisis – What Foreclosure Prevention Advocates Need to Know

Posted on April 14th, 2022

This program, previously recorded April 14, 2022, will provide an overview of what foreclosure advocates need to know regarding the student loan crisis, including the most recent updates from the Biden Administration on the resumption of student loan repayments and COVID-19 relief. Advocates will come away from the program with a better understanding of the current federal and private student loan landscape, so as to counsel homeowners struggling with education debt. Finally, the presentation will cover how to choose the best student loan repayment option, how to apply for various loan forgiveness programs, and how to report problems to federal and state regulatory agencies overseeing these issues.

Presenter: Anna Anderson, Supervising Attorney, Legal Assistance of Western New York

Materials:  PowerPoint


Providing Foreclosure Prevention Services to Homeowners with Disabilities

Posted on March 30th, 2022

Empire Justice Center is excited to announce our Building Equity Initiative, a new component of our Homeowner Protection Program (HOPP).  Advocates will learn to recognize barriers that have historically prevented New Yorkers from many communities and with specific identities and intersectionalities from attaining and maintaining homeownership and provide tools to ensure foreclosure prevention services are inclusive and equitable.

Join Empire Justice Center, Disability EmpowHer Network and Movin’ Out, Inc. for a virtual webinar on how to effectively provide services to and advocate for clients with disabilities. Presenters will share information about historical and current obstacles to equitable housing for disabled people, and some tools for advocates to provide welcoming, culturally competent services for clients with disabilities.

This training was recorded on 3/30/2022. All information presented was current at the time of recording.

Materials:  EmpowHer Network PPT, Movin’ Out PPT


Reverse Mortgage Foreclosures – Stay in the Know

Posted on March 10th, 2022

Reverse mortgage foreclosures have become as commonplace as forward ones and foreclosure defense practitioners and housing counselor advocates should be well equipped on how to assist elderly homeowners who are at risk of losing their home to foreclosure.  This presentation will provide attendees with a basic overview of reverse mortgages including reverse mortgage eligibility at origination, what homeowners need to know to avoid a reverse mortgage default and ways to prevent a foreclosure should a default occur.  Advocates will also learn what defenses to foreclosure may be available and how to resolve a reverse mortgage foreclosure action. The webinar will also discuss relief options available for homeowner’s affected by Covid-19.  This training was recorded on 3/9/2022. All information presented was current at the time of recording.

Materials:  PowerPoint


Providing Foreclosure Prevention Services to LGBTQ+ Homeowners

Posted on February 10th, 2022

Empire Justice Center is excited to announce our Building Equity Initiative, a new component of our Homeowner Protection Program (HOPP).  Advocates will learn to recognize barriers that have historically prevented New Yorkers from many communities and with specific identities and intersectionalities from attaining and maintaining homeownership and provide tools to ensure foreclosure prevention services are inclusive and equitable.

Join Empire Justice Center, The Center for LGBTQ Economic Advancement & Research and The National Center for Lesbian Rights for a virtual webinar on how to effectively serve and advocate for LGBTQ+ (Lesbian, Gay, Bisexual, Transgender, Queer, and Questioning) clients. Presenters will share information about historical and current obstacles to equitable housing for LGBTQ+ people, and some tools for advocates to provide welcoming, culturally competent services for LGBTQ+ clients.

Materials:  PowerPoint

This training was prerecorded on 2/10/2022. All information presented was current as of the date of recording.


Understanding the Child Tax Credit for Housing Advocates & CASH Program Services

Posted on December 15th, 2021

The American Rescue Plan, signed into law by President Biden on March 11, 2021 expanded the Child Tax Credit to substantially reduce child poverty by supplementing the earnings of families receiving the tax credit. This presentation discusses the Child Tax Credit Basics and Outreach done to assist low-income families who are eligible for this credit. This presentation was recorded 12/15/21.  All information contained was considered current at the time of recording.

Click here for a copy of the presentation PowerPoint.


Understanding Disability Benefits for Housing Advocates

Posted on November 17th, 2021

Thousands of New Yorkers receive Social Security disability benefits. When the Social Security offices were closed to the public in March 2020, community organizations became a lifeline for individuals who struggled to apply for or maintain disability benefits. We will cover the basics of disability benefits, including applications and appeals, and offer suggestions to advocates on how to maintain or increase monthly benefits to help clients stabilize their housing.  This presentation was previously recorded November 17, 2021.

 

Presenter: Jennifer Karr, Sr. Attorney, Disability Advocacy Program, Empire Justice Center

Materials:  PowerPoint, Handout

 


What Foreclosure Prevention Advocates Should Know About Bankruptcy

Posted on November 4th, 2021

Not surprisingly, foreclosure advocates routinely encounter complex bankruptcy issues while representing a homeowner in a foreclosure action. “What Foreclosure Prevention Advocates Should Know about Bankruptcy” will not only provide a broad overview of bankruptcy law as it applies to foreclosure actions but will take an in-depth look at the similarities and differences between Chapter 13 and 7 bankruptcies, provide the context for analyzing which chapter may apply in a particular case, as well as discuss how prior and new bankruptcy filings impact a pending foreclosure, including the use of “automatic stays.” Attendees will leave with the tools they need to understand the basics of bankruptcy law, including most importantly how, and to what extent, a bankruptcy can help a homeowner in foreclosure.  This training was recorded on 11/4/2021. All information presented was current at the time of recording.

Materials:  PowerPoint, Handout


Public Assistance Budgeting Intensive for Legal Services Advocates

Posted on October 13th, 2021

This virtual training will cover how to calculate a public assistance budget for families with and without children and how to treat earned and unearned income when calculation a budget. Going beyond the basic budget, will discuss how to treat three generation households, sanctioned households, non-legally responsible people living together and the treatment of joint custody of children.  This presentation was recorded October 13, 2021 and all information presented was current as of this date.

Materials:  Presentation PowerPoint


What Foreclosure Prevention Advocates Should Know about Estate Administration

Posted on September 10th, 2021

Previously Recorded 9/9/2021

There are few foreclosure advocates who have not encountered a trusts and estates issue while representing a homeowner in a foreclosure action.  “What Foreclosure Prevention Advocates Should Know about Estate Administration” will simplify an often-complicated estate administration process while clarifying and navigating its relationship to foreclosure.  Specifically, it will explain the differences between probate and administration proceedings, highlighting the required estate proceeding parties and those persons required to be served in foreclosure actions.  Using an intestate inheritance flowchart, the presentation will demystify identifying estate distributees and their commensurate distributive share, while narrowing which homeowners should implement an estate plan.   Most important, the presentation will assess when an estate may present insurmountable obstacles, which could make resolution of the underlying foreclosure action impossible.  While the presentation is geared toward attorneys, housing counselors are encouraged to attend.

Click here to download the presentation materials


HOPP Y8 Interim Financial Report

Posted on August 26th, 2019

Get the template here.