" I'm Beth -- Part of Florida united way and WM -- TV are educating homeowners on foreclosure and an event called facing the mortgage crisis to talk about that is Britney -- she senior manager -- community investment -- I think he's so much for having me. Last time you were here we were talking about our efforts related to community investment in people remain financially stable this is obviously good part of -- absolutely be recognized that the foreclosure crisis."

" Is something that's affecting our means he can't be assembled a panel on issue area experts to help people navigate what can be a very confusing process. And this is coming up on August 18 it's the surge in -- series actually correct it's actually it's a source of forums that needs hosted overall the -- first -- we hosting it was back in April national account and it was a very successful event and so that's why we were happy to partner with WM -- TV -- a series of another three foreclosure forums. One be held at east yes and we held at sentinel community college and yes. The third and final form of the series is coming up at volunteer community college and teased in August 18. All right so we are obviously here to tell people can participate in this in some really good information. I ask you as you can manage it okay so this is still."

" true."

" But even for people who might just be facing off foreclosure through interfering in its. They know that this might be coming down the road eventually ending wanna -- more information about babies and hopefully how to will 48 it's more than as well. And then maybe even for the folks have already done through the process since they have any questions out for example. Their credit scores -- immediate teen loans again in the future David certainly be welcome to ask those questions that's really for absolutely free and okay so once again to clarify if I'm just looking down the line saying it's really possible to lose my job. Okay now with the mortgage. But I'd like to prepare myself even Nike -- and -- absolutely need distribute. And resource guide has. Many free local and national resources to help people exactly in that situation they're not"

" there yet."

" But date they may know that it's coming online for Daniel maybe Darren unfortunate situation. Hours a -- cut -- one of the family members is hostage Jonathon you wanna know it does happen is happening -- prepared and so this research this will help -- and then our panel experts certainly be able to answer those questions for them as well. And on the other and the -- is just piled up there and look in any other directions and a pile of paperwork. I get right absolutely and that's all experts will tell you like instead it is a complicated process it is very difficult to try to navigate yourself. And so that's why leave assembles its first panel of experts should tell people each a little bit of that process. So who actually -- on this panel is to be asked for community representatives. One of them is from the US Department of Housing and Urban Development or hide. We have someone from lending industry so mortgage professional who can speak about that industry's perspective on the foreclosure crisis. We had our consumer credit counseling service which is a local nonprofit agency and DT a lot of housing counseling debt management for people to their trusted resource to get those act that -- with the process and then -- housing attorney also offers their services for."

" And you just say who's involved with this beat us I think a lot of so called experts individuals organizations that call themselves organ is. Helpful experts great pranks on people it is very confusing out there and unfortunately when there are vulnerable people. There are also people out there to perhaps take advantage of them and so that is really -- we've -- to assemble. The most trusted community experts that people know that they're eating. The right information that these free resource as existing community are one key piece of ice is. Not to pay for any services -- And tells C that they just need a little bit of money couple thousand dollars and they can make the foreclosure problem go away. Be very very wary where people should really turned for those free resource is he's -- united and they get information a"

" couple of race."

" They can call united ways of resource and referral help line which is 21 -- These -- folks simply have to dial those numbers to one line and they can be connected to. A variety community resource is even outside the foreclosure issue if they need to rent and utility assistance and in need help finding food or get older parent daycare issues they can call 21 line. But for the purpose of today's conversation they can also simply dial 21 line to get a list of those trusted free community resources. Or they can visit our website which is each asked to use W dot org. And we will mention that at times it's so easy to remember to land line right hand HF UW -- Florida united way to got it. Okay so. This event itself is also -- absolutely free isn't free to attend free resources will be offered free advice you'll be -- on how to access free service is it is just absolutely free from start to finish. You feel so help us. Yes and as perhaps his results here are saying is help."

" There is absolutely help out there and I if there's any consolation Lorenz realized they're not alone this is people just like and -- are going through these problems and you know to be perfectly honest. We don't hear those stories about people who bought more house than they could afford her guided over their heads during that that -- housing boom should these are really just. Your friends your family your neighbors ordinary folks that you know that just are having trouble making ends meet during difficult times. Just -- mentioned earlier that job loss or a health problem right along and sent me. Your small budget is just strapped."

" Great we have four heat community investment areas and one"

" is improving financial stability. So this is a key part of that initiative for this is."

" We look at a variety of ways of helping any working families make ends meet especially at least at times we need these. Unique pro -- unique interventions to help people. So he's foreclosure forms are just one of the reason we're trying to serve the community we also each year -- earned income tax credit campaign to raise awareness about that tax credit. We have our family rice prescription drug discount program. Which offers an average savings of about 35%. Or twenty dollars per prescription. To help families save money on their medicine as well. So this is actually right this is part and constellation programs under our improving financial stability investment area. The -- did this is obviously success and would be doing second I'm sorry it happened during that first and without thinking helpless. Right this third and final and again is Tuesday August 18 plenty of community college west and this and it will be 6 o'clock to 8:30 PM is the first hour from 6 to 7 o'clock is when we have our panelists present their attorney --"

" Each of those fourteen analysts I mentioned gain in your home is what you'd like to do and and presumably most people who are facing this. They would prefer to stay in their home there is a way to make the press Cisco. More smoothly and that really begins I. Paying attention of the papers he received like he's communicating. -- your lender with a bank if you get to that point speaking with the judge. And satisfying all of the legal requirements and could face will make the process better and maybe depending on your circumstances. Allow you to keep your home is right. It's this is coming up aren't August 18 two people need to register -- there. Now no in fact they just need to show us it's Tuesday August 18 at -- community college west campus is Oscar mean."

" We will IB MD health sciences building room one size. There is it campus. And parking information which are also free again on our website which is -- PW dot ORG. Of people's -- on her website eighteen get a free can't snap. And see exactly where were you will be eating. And the questions you mentioned that this team is. That email had time no it's aren't they behalf seats is simply say questioned on the -- will distribute sheets -- distribute depends so I asked the panelists are speaking and they prefer to -- on their questioning can just jotted down on that piece of paper which can be provided them. And then be collected during the question and answer session and read the questions -- out for them. Ask you this question is still an -- it's not relevant and -- and hearing about some of the older persons losing their home and perhaps not as a quit. To listen to the session intently shouldn't bring someone else. Absolutely. In fact you know if."

" People would have -- needs need assistance that is a good idea we will have Spanish translators available. To help ask questions in Spanish if need be but of course -- some wind does -- Eileen bull trend. That would be a wonderful resource to bring with them or you're absolutely right is -- some elderly people that are making the situation they have friends or family your neighbors to. Thank you to take notes for them or even discussed. Resources afterwards we -- that would be great ideas well. -- It's -- a bit more about the actual session and and that sort of twelve minutes you know when remarks from each personal center share. He asked because you know it's such a huge issue -- you can talk about this in a variety of ways you can talk about it from -- policy perspective he could talk from a central government perspective but wouldn't really asked are -- did you intend to twelve minutes is to really focus remarks on the local community. And to speak about this year individual areas of expertise. So our representatives from -- Will highlight some of the national resources that are available because a lot of best resources available now are coming from the federal government."

" So little talk about those resources that are available are mortgage professional really talk about how to communicate with your lender what you're lenders going to ask if you looks clean. Some of that issue from the bank's perspective because her people in this in this problem it's hard to sometimes think of it from the other side of the table. This is a problem for the banks as well into the mortgage professional just tries to add some context to. But the banks are they seemed so why might be difficult to communicate with your lender. Our representatives from consumer credit counseling service. Really talks about the resource is that they offer and they offer free housing counseling and for the people that are facing this problem that are in this process they actual housing counselors. Will help people student process. And then finally we have our free housing attorney talked about legal process intentioned and it's very complicated it."

" So -- tourney scan just sort of giving overview during the question and answer sessions tremendous decision questions can be addressed -- issues since 2 Central Florida. Yeah I know is where any different than any the other communities in the country other than. We are experiencing foreclosures at a higher rate than a lot of other places -- metropolitan area. Consistently ranks among I believe -- top -- when he metropolitan areas in the country that -- scene does foreclosure crisis. I don't I don't think that were particularly. Unique in how we're facing a crisis other it and it's just happening at greater numbers here than in other parts of the country and -- the need for. This facing the market crisis. Right you got this -- so. Then -- wouldn't ask questions you've heard some of the questions that people do -- his previous sessions."

" Are there some other sort of frequently asked questions you just know will not."

" the questions about the schemes. But to be perfectly honest. Most of the questions are very particular to the person who's asking them -- like I said this is tricky process and change the experiences. A little bit differently everybody there is at different points in the process so most questions are are very specific person that's asking them -- Our area experts have always -- patience and great compassion. Being able to answer all of the questions that are audiences. When it comes to mortgage payment you know that's that sad thing you have to pay every month. So people choices about the things that they have a little wiggle room on such a great. And I know you guys step and help get information to people about how to find other means is right exactly the markets like I mentioned earlier our two and one community health burning is not just for the foreclosure resources or all of the community resources that are in Central Florida -- stack and if people do need help. Securing -- family."

" Call 211. Out of four people might be renting and need rental assistance for utility assistance. Please call to unwind and also always likes to point out when I'm talking about to land line is. For those who may be a little more fortunate in these difficult times and are looking to get help. They can also call two on one if they're looking for volunteer opportunities. They are looking to donate. They can call to unwind and be would be happy to connect them with those resources as well. And -- two and one people are always mystified by that you literally just take the phone and dial 21. Just out to one like 411491. Line it's 21 line and it's really it's most like -- call for and one thing you need information. To unwind is any need information about community resource -- need help with a problem that's what to land on his"

" fourth."

" And volunteering is really important counted you can't help so now it's an extra money I know there's so many people are facing foreclosures. Collins here with united way it's -- Absolutely we have a dedicated volunteer resource center that does exactly that which is a clearinghouse for a wide variety of volunteer opportunities throughout the community so like -- said perhaps somebody who'd during these difficult times does this -- lend a helping hand. Or maybe even make an -- themselves of other recent job loss and they're still looking to. They're professional skills shark or -- network or to meet new people foreign Terry can be a great way to keep yourself busy is unfortunately you find yourself with more downtime than you expected and the volunteer resource center would be happy to connect people are those resources. Okay now if you're just joining us we've been talking about what united way and to humanity TV are doing. To help educate homeowners about foreclosure. Yeah actually I just called facing the mortgage crisis is coming up on Tuesday August 18 from six until"

" 8:30 PM."

" Talking to me about this is Brittany Richards she senior manager of community investment and it it would just and refreshed Florence where this event is about. Sure isn't really about helping people who are either fearing or facing foreclosure. Accessed free community resources from trusted community partners. So the goal is really educational. Connecting people who might be facing this problem. Those free community resources. An hour long presentation from four community experts and so. Each each of the four seats -- ten to twelve minutes so -- muscles beat Clinton at first our and then the next hour and a half is for. Questions from the on its right now what -- asked you -- united way or this particular event. I think you've done an excellent that's that's covering all their resources so our -- I would point out."

" Please it's for closure is something your family is steering or face seem -- please come out the for an Atlantic community college west campus on Tuesday August 18 please always remembered to unwind as a community resource to connect people. Wait a variety of different ways that they can get help in the community our website is always a wealth of information which is HPW dot ORG. And then analysts to remind people that we do throughout the Stanley -- prescription drug discount card. Which people can get -- are on our website or by calling 211 to which explains it's sure it. I'd be happy to -- analyzed prescription drug discount card it's a free card is known role -- there's no eligibility there's no paperwork what I said people could requested from to unwind all they need to provide is the mailing actress Freddie was like -- to decent -- certainly don't need to collect. It come or Social Security numbers because there's no enrollment. And the card entitles people to an average savings it is the savings -- tied her medicine."

" So an average savings on prescription drugs and about 35%. But usually equals about twenty dollars off prescription medications. That cartoon EU -- hard Lorena I didn't -- Dot -- Okay and once again this is -- eighteenth from six until late thirty -- Britney Sony has to work at that time great access to this information and some other -- absolutely against two run line and on on the website they can be connected to all of the resources that will be shared at the forum is okay but again on Tuesday August -- six to 8:30 PM. It's an excellent chance to Unity College west campus aren't Kirkland wrote. The health sciences building room 105 on citizens to sign into absolutely. As soon as you get on campus this far the united -- and science excellent. Okay once again to 11 or go online to HF UW dot org. My guess is -- and Brittany Richards she senior manager of community investment for -- Florida united way under peril is listening."

" is a public service program of this nation."

" If you would like to tell us about your nonprofit organization. Your community events or issue a concern to the community please contact producer Beth Carroll and 407295."

" 5858. Extension 4718. Or via the Internet and meant -- RR EL held at Cox dot com."

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