Foreclosure Prevention Services Do Work!

As was recently discussed on this blog, there is new assistance from the Federal Government to assist home owners that are unemployed that would seek to keep homeowners out of foreclosure. The deadline to apply to be in this lottery is 7/22/11.

In yesterdays’ Lowell Sun, there was a great story about how Foreclosure Prevention Services and the EHLP assistance program.

Remember, your home doesn’t have to be in foreclosure to seek counseling. If you or someone you love is experiencing challenges in paying their mortgage, it’s worth a trip to see a Foreclosure Prevention counselor.

Questions? Phone Debbie Mullins at (978) 970 – 0603 x1


Representative Payee Services at Community Teamwork, Inc

Community Teamwork, Inc.

Representative Payee Services

• Do you have clients who receive SSI and/or SSDI and
are having a hard time managing their money?

The Representative Payment Program provides financial
management for SSI and SSDI beneficiaries who are
challenged with managing their monthly bills.

As an Organizational Representative Payee provider, CTI
will assume the financial management of beneficiaries’ SSI
and SSDI payments, ensuring their financial
responsibilities are met.

Once enrolled in the program,
CTI will receive the clients SSI and/or SSDI check(s) and
pay their rent and utilities with the funds.

A nominal fee
will be deducted from the clients’ funds for administration
and any remaining funds will be budgeted and distributed
to the client in agreed upon regular intervals.

Call Patty Puglisi at 978-654-5615 for more information
or to set up an intake for your client. Clients are more
then welcome to contact Patty directly.

Veterans Resources at Community Teamwork, Inc

Community Teamwork, Inc

Veterans Support Services


Do you need assistance seeking employment?

Do you lack financial resources to remain housed?

Do you need assistance accessing medical or psychiatric care?

Do you need information about affordable housing?

Do you have questions about your rights as a Veteran?

Want more information?

Call Roland Cartier at 978-459-0551or stop in at the CTI Resource Center located at

17 Kirk St. Lowell, MA 01854

Roland is our Veteran-to-Veteran Peer Specialist.

 He is the former AMVET Commander at the Bedford VA and is here to serve you!

VASH Veterans Supported Housing Information Session



 Information Session(s)

August 10, 2011



Bedford VA – Bldg 9 Conference Room

Veterans must attend the information session

WHAT are the Criteria for the VASH Program?

To be eligible for VASH, veteran must:

  • Be registered with the Bedford VA Medical Center
  • Be homeless or at imminent risk of homelessness as defined on back
  • Have an identified need and willingness to accept long term case management services from VASH
  • Be within Bedford VASH catchment area
  • Be within income guidelines
  • Not be listed on a lifetime sexual offender registry

WHAT are the recommendations of the VASH team?

  • Clinically stable
  • To be within 4-6 weeks of graduation, if in a treatment program
  • Continue to reside in Bedford VASH Catchment area for at least one year
  • Maintain a  working phone number

For more information please contact Donna Teas, VASH Program

     (781) 687-2374

Youth Build Lowell Currently Accepting Applications!


YouthBuild is currently accepting applications!

Interested in getting your GED, learning the construction trade, building affordable housing, helping your community? YouthBuild is a program for 17 – 24 year olds who are out of work/out of school and looking for an opportunity to change their lives. Download an application or call (978) 446-9803 for more information.

Financial Literacy for High School Students @ Community Teamwork, Inc

Financial Literacy and Leadership Summer Institute

for High School Students


The Financial Literacy and Leadership Summer Institute will teach the fundamental knowledge of personal finance to high school students.  Students will learn how to budget, handle credit cards, and how to set and achieve financial goals. They will also learn how personal choices determine their roles as individuals in the greater economy and how the greater economy influences the decisions they make. They will learn to make informed decisions as they will learn to explore the opportunity cost associated with each consumer choice. This knowledge will give them the confidence to successfully navigate the major financial decisions to come.

Students will meet for two days:

Dates: July 20 & July 22            Time: 9:00am-12:00pm

Curriculum will include the following topics:

Day 1- Money Management                                              Debt Management

•  Track daily spending habits                                     •  Understanding credit reports

•  Identify ways to decrease spending                          •  Credit cards

•  Identify possible ways to increase income                  •  Loans

•  Identify budgeting tools that will  help                       •  Managing Debt

you manage your bills

•  Learn how to create a plan to achieve

financial goals

Day 2- Consumer Economics

How personal choices determine our roles as individuals in the greater economy and how the greater economy influences the decisions we make. These greater influences can be positive or negative depending on how we respond to them. Students will learn to make informed decisions as they will learn to explore the opportunity cost associated with each consumer choice.

To register your child, call for an application OR visit click on

EHLP – Federal Assistance for Home Owners Facing Foreclosure

Federal Assistance for Home Owners Facing Foreclosure

Lawrence Community Works is pre-qualifying for EHLP at the Foreclosure Workshop on July 19, 2011 from 2-8pm.

Place:                  South Lawrence East School, 165 Crawford Street

Registration:         2-7pm

Lenders Present:   American Home Mortgage Servicing, Bank of America, CitiBank, GMAC, HSBC, IndyMac, JP Morgan Chase, Ocwen, Wells Fargo

Contact:                Debbie Mullins at 978-970-0600 x 3 for details

More Info on eligibility, here!