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"I’ve compiled numerous links to information sites that can assist you, the reader, with credit counseling, legal questions, foreclosure information, etc. I am not recommending anything other than YOU MUST GET HELP! DO NOT AVOID OR IGNORE YOUR PROBLEMS, YOU MUST FACE THEM. I learned that there is more help out there, for free or for a very small fee, than you could ever imagine."
Deborah
Always, always take the time to check on any mortgage counseling company - there are major scams going on out there and the scammers only want your money. Be Very Careful!
Who qualifies for mortgage help and how to get it on Yahoo! News
NHBA outlining the provisions of the 1st Time Homebuyer $7500 Tax Credit
Short Sale Description - click
following link
http://www.bestshortsales.com/articles/what-is-a-short-sale-2/
CREDIT CONCERNS & MONEY MANAGEMENT:
* LOCAL CONSUMER CREDIT COUNSELING SERVICES *
Consumer Credit Counseling Service of
Montrose
(Baldwin County)
22787 Highway 98 – Bldg.
B-2
Montrose, AL 36559
251-990-8499
Consumer Credit Counseling Service of
Mobile
(Mobile County)
705 Oak Circle Drive,
E.
Mobile, AL
36609
251-602-0011
251-666-6850 (F)
Consumer Credit Counseling Service of
Jackson
(Clarke County)
208 Commerce
Street
Jackson, AL 36545
251-246-9898
Website: http://www.cccsmobile.org/
E-mail: counselor@cccsmobile.org
(National Foundation for Credit Counseling) 1-866-557-2227 for the office nearest you.
Homeownership Preservation
Foundation
Consumer Credit Counseling Service (CCCS)
has online counselors at credit rating now: http://www.creditratingnow.com/
or call 1-888-995-HOPE (4673).
Loan Safe: http://www.loansafe.org/
Legal questions: Just answer -
Legal: law.justanswer.com/
They will charge a small
fee.
Call 211 for quick access to local
Social Services
Alabama Information and Referral Center for
assistance in times of need and disasters. Follow the prompts
& dial in the zip code of the area you require assistance
from.
Fantastic Information Center!
Bay Area Food Bank – 1-888-704-3663
This was forwarded to me by a relative who added: Great money saving tips… http://www.betterbudgeting.com/ezine/jul2008-145232.htm
MEDICAL ASSISTANCE:
Contact Alabama Department of Public Health @ ADPH.org or call
Baldwin County Dept. of Public Health – 251-947-1910
Alabama Free Clinic – Bay Minette,
AL
currently mainly assists patients with high blood pressure and
diabetes.
You must call 1st for an appointment –
251-937-6935. They can only see a limited number of
people one day a week. They are trying to open an office in
Robertsdale, AL.
Loxley Family Medical
Center
Based Income Medical Clinic - with proof of
income you can receive a reduced co/pay or reduced office visit
fee. Walk-ins are welcomed, but we advise you to call 1st –
251-964-4011. Emergencies should go to local
hospital Emergency Rooms.
Baldwin Clinic – Foley, AL – Based Income Medical Clinic - 251-947-5651
COUNSELING:
Catholic Social Services – The
Service Center
555 Dauphin St., Mobile, AL 36602
Phone
– 251-434-1500
Hours: Monday – Friday 9 AM - 12 AM & 1PM – 4PM. Sign
in at 8:45 AM and 12:45 PM
You must get there early enough to
register, appointments are limited.
Providing Assistance in an
emergency situations with food, clothing, personal hygiene items,
used furniture, appliances and household articles, financial,
medicines, utilities, housing and transportation.
YOU
MUST BRING PROOF OF THE FOLLOWING:
Proof of address,
Food Stamp Card, Social Security Card and Birthdates of all in the
household.
Bring proof of income, rent receipt/house note and car
payments, copies of utility bills and phone bills, proof of
insurance and medical payments. Documentation of
Emergency.
Ask about the Ozanam Charitable Pharmacy to qualify for free medicines.
Counseling Office: 400 Government Street,
Mobile, AL
Phone – 251-434-1550
Hours: 9 AM
– 6PM
Services provided by LPC’s and Social Workers.
$30/initial intake fee, charges are on a sliding scale.
No one will be turned away who is in need of
help.
Loaves and Fish Community Ministries, Inc.
15
N. Joachim St., Mobile, AL 36602
Phone –
251-432-7227
Provides Day Center for Homeless with proof
of having stayed in a local shelter. Assistance with phone
use, receive mail, case workers for counseling, bus tickets to take
you back home, legal documentation assistance, lunch, storage of
personal items during the day and much more.
Catholic Social Services – Foley,
AL – 251-947-2293
They provide counseling as
well as emergency aid for limited assistance with utility bills.
Christian Service Center – Gulf
Shores, AL – 251-968-5256
Ecumenical Ministries
in Baldwin County – assistance with food, counseling, medicine,
rent, and utilities, when funds are available.
Offices
located in Foley –
251-943-3445
Fairhope –
251-928-3430
North Baldwin
County – 251-937-8115.
Mental Health Center - Crisis Line – 1-800-558-8295
Waterfront Rescue
Mission
1-888-853-8655
http://www.waterfrontmission.org/
Services Provided:
|
Nutritious Meals |
Recovery Services: Residential Drug And Alcohol
Discipleship Classes
Work Therapy |
STRESS & HEALTH:
Stress Confidential Helpline: stresshelp.tripod.com
Stress Relief
10: http://www.stressrelief101.com/
About
stress management: http://www.aboutstressmanagement.com/
Medicine
Net: http://www.medicinenet.com/
Revolution
Health: http://www.revolutionhealth.com/
Alabama Food Banks
http://www.alfoodbanks.org/contact/contact.htm
Mobile County Health
Department:
251-690-8158
Promoting, improving and
protecting the health of Mobile County.
“No one is denied
medical assistance. Fees are based on your pay scale.”
http://www.mobilecountyhealth.org/Default.asp?p='Clinics'
Safety Net Listings
Region
1 is Lauderdale, Colbert, Franklin, Marion, Winston and Walker
cos.
Region
2 is Jackson, Marshall, Madison, Morgan, Cullman and Lawrence
cos.,
Region
3 is Lamar, Fayette, Pickens, Tuscaloosa, Greene and Bibb
cos.,
Region
4 is Jefferson,
Region
5 is Shelby, St. Clair, Blount, Etowah, Cherokee and DeKalb cos,
Region
6 is Coosa, Clay, Calhoun, Cleburne, Randolph, Chambers and
Talapoosa cos.,
Region
7 is Sumter, Choctaw, Marengo, Hale, Perry, Dallas, Wilcox,
Lowndes cos.,
Region
8 is Chilton, Autauga, Elmore, Montgomery, Macon, Bullock, Lee,
Russell cos.,
Region
9 is Washington, Clarke, Monroe, Conecuh, Escambia, Butler,
Covington Baldwin cos.,
Region
10 is Crenshaw, Pike, Barbour, Coffee, Dale, Henry, Geneva and
Houston cos,,
Region
11 is Mobile.
Information provided by: research conducted at the UAB School of Public Health.
GOING GREEN & SAVING MONEY:
Green is Universal - http://www.greenisuniversal.com/
ideal bite - http://www.idealbite.com/
The Find - http://www.thefind.com/
ode magazine - http://www.odemagazine.com/
Find Green Magazine - http://www.findgreen.com/
Divine Caroline - http://www.divinecaroline.com/
Car Care - http://www.carcare.org/
Energy Savers - http://www.energysavers.gov/
Home Gardening - www.about.com/homegarden/
Coupons - http://www.coupons.com/
Planet Green - http://www.planetgreen.com/
Alabama Cooperative Extension
System - http://www.aces.edu/,
Alabama Master
Gardeners toll free Helpline –
1-877-252-4769.
One Idea I had was to start an apartment, condo or neighborhood co-op, each family/person grows specific veggies (you don’t need a yard, just a planter) and exchange the excess. I always end up with too many tomatoes and would love to trade for cucumbers, etc.! Great way to get to know your neighbors, share time with your family & friends, exchange ideas and save money!
BRATS -
Transportation for Rural Baldwin County, AL – provides
transportation throughout Baldwin County with 24 hour notice
required. Fees are very low: to Mobile - $10 round trip, Foley
to Fairhope - $5.00 round trip, to Bay Minette - $5.00 round
trip.
The price is ½ if only used one way.
In town -
$1.00 Prices may be increased due to increase in fuel
costs.
Call 251-990-4636 Eastern
Shore
937-0355 Bay
Minette
972-6817 Foley
Brats website: www.co.baldwin.al.us/PageView.asp?edit_id=174
The Wave Transit System - Mobile, Alabama
http://www.thewavetransit.com/RidingTheWave/busfares.htm
MISCELANEOUS:
Baldwin County Public Library: www.gulftel.com/bclc
Baldwin
County Public Libraries offer more than just books! Computers
are available with a minimum of 30 minutes usage. If you have
your own wireless laptop computer, bring it with you to use their
wireless access for free. And you have a quiet, air
conditioned building to relax, read and search the internet.
Animal Shelters - Alabama
http://www.netpets.org/dogs/dogresc/alabama.htm
Petfinder pet list - Pets at City of Mobile
Animal Shelter, Mobile, AL
http://www.petfinder.com/search.html
