In response to the home foreclosure crisis, CAMBA established a Foreclosure Prevention Counseling Program in 2008. To meet the needs of homeowners in Brooklyn, we offer both group and individual housing counseling. Group counseling sessions are targeted to homeowners who are concerned about or at-risk of foreclosure. Through these workshops, we teach the basics of home ownership and foreclosure. We explain what foreclosure is, how it happens, and how it can be avoided. We teach clients how to protect themselves from predatory and improper lending practices. We also help them understand the level of savings they need to retain in their bank accounts, the percentage of their income that is safe to devote to the ongoing costs of home ownership, different types of loans and mortgages, and mortgage sales. For individual homeowners who are having difficulty paying their mortgage or are already in default, we offer individual counseling. Our model helps each client to pursue one or both of two key goals – increasing their household income or reducing their mortgage expenses. To increase household income, we offer assistance with applying for work supports and access to employment training. To reduce mortgage expenses, we help clients pursue appropriate relief, such as repayment plans, forbearance agreements, special forbearances, loan modifications, partial claims, or refinancing. Our program serves 200 homeowners each year.