Housing and Economic Rights Advocates

HERA provides full-service estate planning services on a sliding scale to help you keep what you have and protect yourself and family.

HERA helps people to understand how credit works and how it affects their lives. They also help you to figure out how to build or improve your credit, and how to manage it afterward.

LBGTQ residents are frequently denied fair access to credit and consumer services. HERA helps you understand and fight for your rights.

HERA helps people going through reentry and their family members build or rebuild their credit, and they teach you how to address lingering debt problems so that you get a fresh financial start.

HERA helps People of color who are targeted for abusive consumer scams and products to understand their rights and address the problems they are having.

HERA helps homeowners understand their legal rights and how to hang onto their home. That includes helping owners with a condo or townhome. Homeowner Associations ("HOAs") and debt collectors for the HOA often erroneously handle homeowner accounts. This can lead to excessive costs and/or wrongful foreclosure on homeowners, particularly older adults or people with disabilities.

Veterans and service members are targeted for financial scams and expensive credit. Veterans can also face additional burdens financially and need particular help addressing debt and credit concerns. HERA helps veterans and service members and their families handle both.

HERA helps immigrants understand and navigate our complex financial services systems. They also help immigrants build credit, address collections concerns and abusive practices that target them.

HERA will coach you through the process of how to handle various kinds of debt. On all debts, you have a right to be treated properly by whoever is trying to collect. HERA teaches you your rights and protects you along the way.

California residents who are uninsured or who face high medical costs have a right to free or discounted care for services received at hospitals. If you have high medical bills or medical bills in collection, HERA can help you understand your legal rights and how to address these problems.

HERA helps seniors figure out how to hang onto their home and age in the community where they want to be. They also help seniors figure out how to manage all of their debts and other financial concerns.

HERA helps you figure out the cost of college, legitimate providers, and how to pay for college. They help you manage student loan debt, whether from college or a for-profit school, and fight predatory lending practices and scams.