Financial Help on the Web

See also Personal Finance and Investing Resouces

Metro Net's Recession Resources Portal

Choose from a useful selection of options: File an Unemployment Claim, Look over Health Insurance Options, Find a New Job, Learn about Home Ownership Preservation, Credit Repair & Maintenance, and Additional Assistance Programs in Michigan.



Michigan.gov  Helping Hand

This site helps Michigan citizens facing economic hardship find the services they need. Simply click on one of the five tabs below for links to information about jobs and training, unemployment benefits, health care, family support and housing. Then click on the particular links that describes the help you're seeking.



MI Public Radio: Facing the Mortgage Crisis

Michigan Radio is participating in a public broadcasting project called "Facing the Mortgage Crisis." Over the next several months we'll be bringing you reports, special shows, town hall meetings, and information about how we as a society can cope with the foreclosure crisis that is hitting the state and the nation. Our library is mentioned as a town hall meeting site.


2-1-1 United Way Michigan Foreclosure & Delinquency Assistance

United Way 2-1-1 is a multi-lingual, comprehensive information and referral service available 24/7/365. In addition to providing you with mortgage assistance and delinquency resources, the United Way 2-1-1 database contains more than 20,000 programs and services such as after school programs, senior care services, medical and prescription assistance, credit counseling and mortgage foreclosure assistance, and housing and utility resources. This site also provides a way to learn all about foreclosures or use an online quick assessment tool to find out if you are at risk.


Foreclosure Resources for Consumers

If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance. The Federal Reserve has provided a set of links to agencies and resources that may be able to help you.


Help for Homeowners Facing the Loss of Their Home

For most families, a home is not only a significant financial investment but also a source of pride. The loss of a home, due to unexpected events such as unemployment, can be financially and personally devastating. If you have been laid off or are facing unemployment, you can keep your home - - if you know the right steps to take. The Department of Housing and Urban Development/Federal Housing Administration, the Department of Veterans Affairs, the Department of Labor and the mortgage industry have worked together to produce important basic information—and key links to local groups and organizations—that can help you get through difficult times without losing your home.


GreenPath Debt Solutions (Farmington Hills)

GreenPath is a non-profit company that has helped consumers ease financial pressures since 1961. GreenPath provides free counseling, personal budget and action plan. Help is available to lower interest rates, waive fees, and stop collection calls. You can consolidate all your payments into one convenient deposit, prevent foreclosure, repossession and utility shutoff, and they can provide a personal credit report and help you improve it


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Mortgage Payments Sending You Reeling? Here's What to Do

The possibility of losing your home because you can't make the mortgage payments can be terrifying. Perhaps you're having trouble making ends meet because you or a family member lost a job, or you're having other financial problems. Or maybe you're one of the many consumers who took out a mortgage that had a fixed rate for the first two or three years and then had an adjustable rate—and you want to know what your payments will be and whether you'll be able to make them.

Regardless of the reason for your mortgage anxiety, the Federal Trade Commission (FTC), the nation's consumer protection agency, wants you to know how to help save your home, and how to recognize and avoid foreclosure scams.


Oakland County Foreclosure Help Links

Oakland County Housing Counselors provide individualized counseling on mortgage delinquency, foreclosure prevention and other mortgage related issues. In addition to the many useful links on their page, you can contact Oakland County assistance at (248) 858-5402 or toll free 1-888-350-0900 extension 85402.


SEMCOG Help for Homeowners

The Southeast Michigan Council of Governments has created a very useful page of resources, including Timelines for Foreclosures, HUD and MSHDA approved Counseling Services in Southeast Michigan, lists of Helplines, County Treasurer Offices, the Michigan State Housing Development Authority Save the Dream Mortgage Refinance Programs, Avoiding Scams, and much other helpful information. Click on the image links on the SEMCOG page for more details.


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Why Not Just Walk Away from A Home?

This February 2008 article discusses companies that suggest home owners voluntarily walk away from their mortgages, "engaging in a practice the mortgage industry calls 'ruthless default'" instead of going through the *foreclosure* process. Also describes alternatives to *foreclosure* or walking away that borrowers should consider. From National Public Radio (NPR).


Which is Worse: Foreclosure or Bankruptcy?

This 2007 article considers the question of "what is better on your credit report—foreclosure or bankruptcy?" The article notes that "[n]either option is going to be easy. Generally, a foreclosure will remain on your credit report for 7 years, while a bankruptcy remains for 10 years. But that doesn't mean foreclosure is necessarily the better option." Also describes alternatives to mortgage foreclosure and bankruptcy. From the MSNBC answer desk.

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Job Loss Help on the Web

Metro Net's Recession Resources Portal

Choose from a useful selection of options: File an Unemployment Claim, Look over Health Insurance Options, Find a New Job, Learn about Home Ownership Preservation, Credit Repair & Maintenance, and Additional Assistance Programs in Michigan.


Michigan eLibrary's Business and Jobs Gateway

MeL offers Filing for Unemployment Benefits (To use the on-line service, applicants must be filing a new or additional claim) job postings, career exploration resources and job search aids, resources that can help you start or grow a business, and information on business and the economy in Michigan, the U.S. and the world


Metro Net's Recession Resources Portal

Choose from a useful selection of options: File an Unemployment Claim, Look over Health Insurance Options, Find a New Job, Learn about Home Ownership Preservation, Credit Repair & Maintenance, and Additional Assistance Programs in Michigan.


MI Jobs & Career Portal

Using this Portal, you can search MI Jobs & post your Résumé, find lists of Job and Career Fairs, File an Unemployment Claim Online, find out how to start a Business, search for State & Local Government jobs as well as Federal Government jobs, locate Financial Aid for Education, find MI Temp Employment Agencies, Explore Careers & New Occupations, etc.


Michigan.gov  Helping Hand

This site helps Michigan citizens facing economic hardship find the services they need. Simply click on one of the five tabs below for links to information about jobs and training, unemployment benefits, health care, family support and housing. Then click on the particular links that describes the help you're seeking.



Michigan Works

Provides links to Michigan Talent Bank, No Worker Left Behind, Jobs, Education & Training Program, Michigan Unemployment, Information for Older Workers, Information for Persons with Disabilities and Information for Veterans



State of Michigan:  Labor Market Information Publications

The State has made available an excellent series of publications that are very useful for job seekers. You will need the free Adobe Acrobat reader software to view or print them.



  Learning Express Library

 ( This is an online learning platform of academic and licensing/certification practice tests, elementary level testing for math and reading. Includes a section that takes users from job assessment to success on the job. A tutorial course series designed to help all learners succeed on the tests they must pass includes immediate scoring, complete answer explanations, and an individualized analysis of practice test results. See these guides for job-specific resources in LearningExpress: Job Search Help Center and Career Road Map. )


Indeed: One Search, All Jobs

In one search, Indeed gives Farmington Hills residents free access—instantly, in a single search—to millions of jobs and internships from thousands of job boards, newspaper classifieds and company websites. This is a very comprehensive job search engine, and is invaluable for anyone looking for a new job.


Being Laid Off, (Job-Hunt.org)

This new section of Job-Hunt.org includes a few articles on how to recognize a layoff may be coming, how to prepare both at the office and at home, and how to survive the process. A lot of this advice comes from the author's own experiences (she herself went through the huge DEC layoffs of the 1980's) along with those of her friends.


Coping with Job Loss

Losing a job can be one of the most devastating personal crises of a lifetime. Although financial decline is a serious issue, the blow to one's ego is even more difficult to face. " This article looks at the many things you may be feeling or experiencing after your loss, and then offers suggestions for handling or even defeating these negative influences so you can get back on the trail to new opportunities. From COPE, an organization dedicated to making workplaces in the greater Washington, DC, metropolitan area healthier and more productive. You may find even more helpful articles in the drop-down menu bar on their home page under "Resources".


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Job Loss Help

Information about financial and other help available to workers who lose or leave a job. "Workers pay the taxes that fund many of these services. Employers provide other services. If you qualify, it is your right to receive certain benefits." Describes health insurance protections (such as COBRA, HIPAA, Medicaid, and CHIP), financial help (such as unemployment insurance and Supplemental Security Income), where to get help in finding another job, and more. From AARP.


Laid Off? Here's How to Stay Afloat

This article discusses subjects workers should consider to evaluate "how they'd cope financially if they lose their job." The article suggests negotiating severance packages, filing for unemployment benefits promptly, and assessing health insurance options. The article advises against tapping into your 401(k), relying on a home equity line of credit (HELOC), and overusing credit cards. From SmartMoney magazine.


Losing or Leaving Your Job

A collection of material on the rights of workers when losing or leaving a job and "ways to minimize the worries that can accompany unemployment." Topics include severance pay, date for final paycheck, health insurance continuation, when you are entitled to unemployment compensation, and related matters. From Nolo, a publisher of self-help legal books.

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