61. UCP Of Central Maryland: Family/Respite Care family/Respite Care. Transportation Program. Transportation Program Updated 08/04/2003. 2004, UCP of Central maryland 1700 Reisterstown Road, Suite 226 http://www.ucp.org/ucp_localsrv.cfm/81/4639/4639/39

Home To Main UCP Site Service Categories: Adult Day Residential Employment Family/Respite Care ... >>Speak Out Locally! We Need Your Support! Your Dollars can make a tremendous difference. Click here to learn how. Resources and Links Who We Are Special Focus Calendar How You Can Help Jobs News Contact Us Family/Respite Care Transportation Program Provides transportation for adult day programs and many of the recreation programs. Transportation services are also available for the individuals who reside in UCP/CM sponsored residential programs. Transportation Program Updated: 08/04/2003 1700 Reisterstown Road, Suite 226, Baltimore, MD 21208-2935 Phone: 410-484-4540 TTY: 800-451-2452 Fax: 410-484-1807 E-Mail: info@ucp-cm.org Affiliate Center Entrance [password required] Terms of Usage

62. 4-H, Youth, And Family Programs Youth and Adult Forms. Procedures Before distributing the Release, fill in the blanks for program name and dates as appropriate. http://www.maryland4h.org/release.html

Instructions for Procedures for Use of Liability Release, Waiver and Discharge Youth and Adult Forms Procedures: Before distributing the Release, fill in the blanks for program name and dates as appropriate. Be sure to include the examples of significant, non-obvious risks. Be specific about possible injuries or even death. Distribute the release sufficiently in advance of the activity or event to give each prospective participant and or parent/guardian a change to read it and understand the content. In any oral or written communications accompanying the Release, make clear that the Release is voluntary (in the sense that the participant is not required to participate in the underlying activity) not the content of the Release. Give participant and or parent/guardian an opportunity to ask questions about the Release. Be sure you get back and keep in your files the original, signed release from each participant. The participant or parent/guardian should have a copy of the release. Revised 2/9/01 Liability Release Format for Minors liabminformat.doc

63. The Jewish Museum Of Maryland take place at the Brown Center, maryland Institute College personal experiences balancing work and family lives. This program will take place at the Myerberg http://www.jhsm.org/html/pe_public.html

Program Calendar: Spring 2004 Join us for a program at the Jewish Museum of Maryland, where you might hear a guest lecture, create an art project, view a performance, and join the conversation! All programs will be held at the Jewish Museum of Maryland unless otherwise noted. The Museum is located at 15 Lloyd Street, Baltimore, MD 21202. All programs will be held at the Jewish Museum of Maryland unless otherwise noted. Lives Lost, Lives Found Family Program Hear first-hand testimony from former refugees who escaped from Nazi Germany and established new lives in Baltimore. Following their presentations, you are invited to join in a collage-making workshop to create memorials dedicated to the dramatic stories at the heart of the exhibition, Lives Lost, Lives Found. This program is recommended for children ages 8 and up and their families. Admission is $8 for JMM member families; admission for non-member families is $12. Admission is free for JMM members; admission for non-members is $5.

64. The Jewish Museum Of Maryland: Jewish History Calendar Join us for the next program at the maintenance sponsored by The Sidney Checket family Foundation with The Jewish Museum of maryland is an agency of http://www.jhsm.org/

Opening March 14, 2004 This original JMM exhibition breaks new ground in telling the story of the German Jewish refugees who found haven in Baltimore during the Nazi era. More Get Directions JMM Collections Database NEW! Search online for over 40,000 objects, photos, or documents within JMM's extensive database. Search Family History Research Have our professional genealogists research your family history. Research Baltimore Jewry: A Historical Timeline Follow Regional Jewish history from the 17th century to present. Timeline Program Calendar Join us for the next program at the JMM. Calendar Become a Member Support JMM while enjoying the many benefits of membership. Join Hours: 12 p.m. to 4 p.m The Museum is closed for Jewish festivals and holy days: Rosh Hashana, Yom Kippur, Sukkot, Shemini Atzeret, Simchat Torah, first two and last two days of Passover, and Shavuot. Now Showing: Lives Lost, Lives Found: Baltimore's German Jewish Refugees... Weaving Women's Words: Baltimore Stories...

65. Maryland General Hospital And Health Systems Center. maryland General also has started a similar program with Harbor City High School. maryland General s family Health Center. http://www.umm.edu/mdgeneral/

Maryland General Hospital Maryland General Hospital and Health Systems A Brief Description For more information, visit Maryland General's Web site Maryland General Hospital is a 300-bed community teaching institution that serves as the cornerstone of Maryland General Health Systems, Inc., a comprehensive network covering the continuum of care needs for more than 110,000 patients annually. Our History Maryland General was founded by a group of local physicians as a university affiliated teaching hospital in 1881. In 1911, the Baltimore Medical College, as MGH was then known, merged with the University of Maryland School of Medicine and began its long tradition of medical training and patient care that continues today. The hospital merged again in 1965 with the Baltimore Eye and Ear Hospital to become one of the premier teaching hospitals for medical students specializing in eye, ear, nose and throat care. In 1999, MGH affiliated with the University of Maryland Medical System. Programs/Services In addition to its ENT teaching program, today Maryland General has residency programs in medicine, OB/GYN and ophthalmology.

66. Maryland FHA Mortgage Lenders include Section 203(b) A single family program that has down payment requirements as low as 3%, allowing you to finance up to 97% of the value of the home. http://www.amo-mortgage.com/maryland/fha.html

Loan Amount Zip Code Program Points Credit Look Up ZipCode 30 Year Fixed 15 Year Fixed 30 Year Fixed Jumbo 15 Year Fixed Jumbo 5 Yr Balloon 7 Year Balloon 1/1 ARM 3/1 Arm 5/1 Arm 1/1 Jumbo ARM 3/1 Jumbo ARM 5/1 Jumbo ARM FHA 30 Year Fixed FHA 1 Yr ARM VA 30 Year Fixed 7/1 ARM 10/1 ARM 7/1 ARM Jumbo 10/1 ARM Jumbo B Credit - 30 Year Fixed B Credit - 6 Month Arm B Credit - 1 Year ARM B Credit - 2 Year ARM C Credit - 30 Year Fixed C Credit - 6 Month ARM C Credit - 1 Year ARM C Credit - 2 Year ARM D Credit - 30 Year Fixed D Credit - 6 Month ARM D Credit - 1 Year ARM D Credit - 2 Year ARM NIV Credit - 30 Year Fixed NIV Credit - 6 Month ARM NIV Credit - 1 Year ARM NIV Credit - 2 Year ARM Low Cost Low Fee No Points Pay 1 Pt Pay 2 Pts Excellent Good Fair Damaged powered by Guides FHA Articles FHA Mortgage Insurance Streamline Refinancing for FHA Mortgages ... Refunds Ready on FHA Loans FHA Loans FHA's Mortgage Insurance - Programs that help low and moderate income families become homeowners by lowering some of the costs of their mortgage loans. While this insurance is not free, you can finance the up front insurance premium at the time of purchase and add to your regular mortgage payments. FHA Refunds If you have ever paid off a home loan backed by FHA, you may have money owed to you.

67. Maryland Education Resources For People With Disabilities And Their Families Phone (301) 4054228. maryland State Department of Education- offers several programs for families of children with disabilities. http://www.linc.org/resedu.html

Maryland Education and Day Care Resources for People with Disabilities The Arc of Montgomery County (The Arc, MC) - offers AFTER ALL, an after school enrichment program for pre-teens and teenagers with disabilities in an inclusive community setting at The Boys and Girls Club of Silver Spring. This year-round program is open all day on school holidays. For more information, call 301-681-4623 or 310-984-5792. BUILDING BRIDGES PROJECT - This program increases the availability of child care options for children with disabilities and their families by providing training and support to families and community child care providers. Families and child care providers can call the Building Bridges coordinator directly to be eligible for this service at 301-294-4953 or 301-984-5777. FAMILY, INFANT AND CHILD CARE CENTER (FICCC) - specialized child care for infants and children with medical conditions, from six weeks to five years old. For more information, call 301-279-2165. KARASIK CHILD CARE CENTER - an enrichment program providing year-round full- and part-time care for children of preschool and elementary school age with and without special care needs. For more information, call 301-593-0444. MONTGOMERY PRIMARY ACHIEVEMENT CENTER (MPAC) - a nonpublic, nonprofit, special education program for children (ages 2 to 8) who have identified developmental delays. MPAC also provides specialized instruction to children in Montgomery County with autism through the Collaborative Autism Preschool Program (CAPP. For more information, call 301-593-3797. For more information, call 301-593-3797.

68. Information And Support Resources In Maryland For Parents Of Children With Disab maryland Infant and Toddlers Program and maryland family Support Network maryland State Dept. of Ed., 200 W. Baltimore, 4th Fl., Baltimore, MD 21201. http://www.linc.org/resparent.html

Parent Information and Support in Maryland Day Programs and In-Home Support Information Resources for Parents Parent and Family Support Groups Publications ... Transportation Day Programs and In-Home Support Baltimore Association for Retarded Citizens - Specialized Foster Care program provides on-going case management and support services to children diagnosed with a developmental disability to ensure maximum opportunities for full participation in all aspects of life in the community. Individual treatment goals are designed utilizing a child-centered, family-focused team work approach. Treatment Foster Care program provides intensive, time limited therapeutic services in a community based setting to youth who are dually diagnosed with a developmental disability and a serious emotional disturbance. Individualized treatment goals are designed utilizing a child-centered, family-focused team work approach. As youth meet treatment goals, they can move through the continuum of services offered by BARC. Phone: Caring Communities, Inc

69. Maryland Health Insurance Program - Get Several Insurance Quotes In Minutes Coming everything said usually numbers for mother however play maryland health insurance program, kind if same plants special better family good show. http://www.fastlowcostinsurancequotes.com/insurance_program/maryland_health_insu

maryland health insurance program Best Resource For maryland health insurance program Fast Low Cost Insurance Quotes insurance program Results For: maryland health insurance program Sponsored Links maryland health insurance program Paying to much for your insurance? Fill out one free quick and easy form and get several insurance companies competing for you business. Get several quotes in only a few minutes. Click on the button below for your free quote instantly. Maryland Health Insurance Plan Maryland Health Insurance Plan (MHIP) is a state administered health insurance program for Maryland residents who do not have access to health insurance Insure Kids Now! A national initiative to linking families to low-cost insurance programs ... may be eligible for free or low-cost health insurance ! ... children don't have health insurance , you worry about taking ... nation, has a health insurance program for infants, children and ... Maryland Children's Health Program The Maryland Department of Health and Mental Hygiene. This service provides a range of various

70. Maryland Health Insurance Program - Get Several Insurance Quotes In Minutes Better friends second should early behind show winter don t peace maryland health insurance program, start might English family fire way better been among. http://www.fastlowcostinsurancequotes.com/health_insurance_program/maryland_heal

maryland health insurance program Best Resource For maryland health insurance program Fast Low Cost Insurance Quotes health insurance program Results For: maryland health insurance program Sponsored Links maryland health insurance program Paying to much for your insurance? Fill out one free quick and easy form and get several insurance companies competing for you business. Get several quotes in only a few minutes. Click on the button below for your free quote instantly. Maryland Health Insurance Plan Maryland Health Insurance Plan (MHIP) is a state administered health insurance program for Maryland residents who do not have access to health insurance Insure Kids Now! A national initiative to linking families to low-cost insurance programs ... may be eligible for free or low-cost health insurance ! ... children don't have health insurance , you worry about taking ... nation, has a health insurance program for infants, children and ... Maryland Children's Health Program The Maryland Department of Health and Mental Hygiene. This service provides a range of various

71. Academics And Research | University Of Maryland in Aviation Operations Research (NEXTOR) family Service Center Fraunhofer Center maryland Global Land Veterinary Medicine Center Harrison Program on the http://www.umd.edu/academic/

President's Message to Alumni and Friends UM Student Competes in MTV Essay Contest Maryland Experts are Sirius About Harry Potter UM Home > Academics and Research Colleges and Schools Academic Programs Centers and Institutes Degree Programs ... Washington Mystics at Comcast Colleges and Schools College of Agriculture and Natural Resources School of Architecture, Planning, and Preservation College of Arts and Humanities College of Behavioral and Social Sciences ... School of Public Affairs Degree Programs Undergraduate Degree Programs .pdf File Graduate Degree Programs Certificate and Multi-Disciplinary Programs Academic Programs Division of Letters and Sciences College Park Scholars Gemstone Global Communities ... University Honors Program Centers and Institutes Academy for Excellence in Teaching and Learning American Journalism Review Aquatic Pathobiology Center Art Gliner Center for Humor Studies ... Wye Research and Education Center Graduate Studies Academic Policy Admission Requirements Apply Online Graduate Catalog ... Research Policy Office of the Provost Office of the Provost Continuing Education Faculty Affairs International Programs ... Office of Information Technology Partnerships and Outreach Academic Achievement Programs Baltimore-Washington Venture Group Chemathon Continuing Education ... Physics is Phun -Public Lecture-Demonstration Program Series Plant Nematology Laboratory Project ICONS Technology Advancement Program University of Maryland System-Wide Organizations, Projects and Resources

72. Maryland Social Services - Sailor maryland Department of Aging Provides information, education, programs and services for older marylanders and their families; maryland http://www.sailor.lib.md.us/MD_topics/soc/_ser.html

You are here: Social Services Home Cruise the Internet About Sailor Contact Us ... Help Maryland Social Services AARP in Maryland The American Association of Retired Persons in Maryland Annapolis Jacees To provide young people the opportunity to develop personal and leadership skills through local community service and organizational involvement while expanding the Jaycee philosophy. Board of Elections Voter registration information, election district maps, polling places, election results. The Chimes A non-public special education program for children with multiple handicaps including mental retardation, and other services for people with developmental disabilities including employment opportunities. Center for Poverty Solutions A non-profit agency formed by the merger of Action for the Homeless and the Maryland Food Committee. Community Living, Inc. A not-for-profit agency providing residential services for people with developmental disabilities (mental retardation) in Frederick County. services. We promote assistive devices and high technology. Consumer Protection Division, Maryland Attorney General

73. Infants And Toddlers Support Network The state of maryland also has a support network designed to provide support to families with young children in the Infant and Toddler program. http://family-networks.org/infants.cfm

Home Translate Search Site Map ... Section Infants and Toddlers The Individuals with Disabilities Education Act (IDEA), authorized in 1975 and reauthorized most recently in 1997, supports efforts to provide coordinated service delivery systems for children with disabilities from birth through age 5. Two programs that provide support to Infants and Toddlers are the Early Intervention Program for Infants and Toddlers with Disabilities (Part C) (from birth through age 2), and the Preschool Grants Program (Section 619 of Part B) (ages 3 through 5). Children are best served within the context of their families. Services for infants and toddlers are designed to identify and treat a problem or delay as early as possible. You may receive services in different settings, such as your home, a clinic, hospital, daycare center or the local health department. Maryland State Infant and Toddler Program Phone: (800) 535-0182 MD Relay: (800) 735-2258 Infants and Toddlers is a system of early intervention and supports, offered by public and private agencies through out the state to young children with developmental delays and their families. In each local jurisdiction a lead agency operates a single point of referral, coordinates and/or provided assessment activities, on-going services, personnel development and community outreach, and insures procedural safeguards for children and their families. Your child and family may be eligible for early intervention services if your child is under three years of age, and:

74. Healthy Child Care Maryland The goals of the Healthy Child Care maryland Program are consistent health and safety education and promotion programs for children, families and child http://nursing.umaryland.edu/healthy_child/about.cfm

Home Register About the Program Calendar of Events ... Links E-Mail: About the Program Quality Child Care for Healthy Families The University of Maryland School of Nursing, a nationally recognized top ten School of Nursing has been awarded a grant by the Department of Human Resources Child Care Administration to develop and implement a new state-wide system of health care consultation and training for child care providers as part of the national campaign by Healthy Child Care America to promote health and safety in the child care environment. Healthy Child Care Maryland was formally launched 2 years ago with three main objectives: Increase access to health screenings Increase the availability of training for child care providers that enhances their ability to identify the need for child/family health and social support services, articulate concerns to parents, help families access services and care for children with special health needs The Healthy Child Care Maryland pilot program was developed as a first step in implementing the above objectives. The goals of the Healthy Child Care Maryland Program are consistent with Action steps 5 and 9 of the HCCA Blueprint for Action:

75. The DRM Regional Resource Directory: Maryland Child Development Center Kennedy Krieger Institute The Earlier the Better A Guide to the maryland Infants Toddlers Program maryland family Voices maryland http://www.disabilityresources.org/MARYLAND.html

Home Subjects States Librarians ... Contact Us The DRM Regional Resources Directory (States) Maryland - The Old Line State Updated 12/2001 State Index About / Hints / Link General See also Developmental Disabilities Multi-Service Agencies Family Net Works [added 1/10/02] Maryland Association of Community Services Maryland Governor's Office for Individuals with Disabilities (OID) Maryland Share Advocacy and Legal Rights ADA Information Center of the Mid-Atlantic Region Disability Advocacy Training and Technical Assistance Maryland DORS Client Assistance Program (CAP) Maryland Disability Law Center ... National Resources Aging AARP in Maryland ElderWeb: Maryland Maryland Department of Aging U.S. Administration on Aging - Maryland: State and Area Agencies and Programs ... National Resources Alzheimer's Disease Alzheimer's Association Central Maryland Chapter National Resources Arthritis Arthritis Foundation - Maryland Directory National Resources Arts Maryland Arts Access Maryland Governor's Advisory Committee on Careers in the Arts for People with Disabilities VSA Arts Affiliate - Maryland National Resources Assistive Technology CURE Network John Hopkins University - Center for Technology in Education Learning Independence Through Computers (LINC) Maryland Technology Assistance Program (MDTAP) ... National Resources Autism Autism Society of America Anne Arundel County [added 5/24/02] Howard County Chapter [updated 5/24/02] Montgomery County Maryland Chapter [added 5/24/02]

76. The Breast And Cervical Cancer Screening Program (BCCP) 40 64 years of age and for women over 65, if they do not have Medicare Part B. Participants in the program must be maryland residents with family incomes less http://mdpublichealth.org/cancer/html/bccp.html

Center for Cancer Surveillance and Control Council on Physical Fitness Genetics and Children Center for Maternal and Child Health Chronic Disease Prevention Child and Adolescent Health Health Promotion, Education Injury Prevention and Health Assessment Primary Care And Rural Health Oral Health Deer's Head Center Western Maryland Center CCSC HOME Notice of Privacy Practices CCSC DIVISIONS Maryland Cancer Registry State Council on Cancer Control Breast and Cervical Cancer Program Screening Program ... Cigarette Restitution Fund Program SPECIAL PROGRAMS Colon Cancer Screening Program Coalition for Skin Cancer Prevention in Maryland Comprehensive Cancer Planning In Maryland CRF Local Public Health CANCER DATA CRF Annual Cancer Report , 2003 Annual Cancer Report, CRF, 2002 (Errata) Maryland Cancer Survey Report , 2002 ... Insurance Mandates PHYSICIAN RESOURCES Physician Materials Participating Providers in Breast and Cervical Cancer Diagnosis and Treatment Database Search Medical Assistance Providers Search CANCER RESOURCES Guidelines and Factsheets WWW Links Cancer Publications The Breast and Cervical Cancer Screening Program (BCCP) In 1992 the Maryland Department of Health and Mental Hygiene received a grant from the federal Centers for Disease Control and Prevention to provide breast and cervical cancer screening services to low income, uninsured or underinsured women. In 1997, the grant was renewed for an additional five years. The Maryland legislature, in 1998, made state funds available to supplement the CDC grant. These funds will pay for an annual clinical breast examination, annual mammogram and pap smears, as needed, for women 40 -64 years of age and for women over 65, if they do not have Medicare Part B. Participants in the program must be Maryland residents with family incomes less than 250% of the federal poverty level and not have insurance with screening benefits.

77. Maryland Dent-Care Loan Assistance Repayment Program Enroll in the MMAP’s HealthChoice program. family Health Administration 201 West Preston Street, Room 306 Baltimore, maryland 21201 Telephone 410767 http://mdpublichealth.org/oralhealth/html/dentcare.html

Center for Cancer Surveillance and Control Genetics and Children Center for Maternal and Child Health Center for Preventive Health Services Child and Adolescent Health Health Promotion, Education Primary Care And Rural Health Oral Health Deer's Head Center Western Maryland Center ORALHEALTH HOME What We Do Prevention Dental Resources ... Oral Health 5-Year Plan Maryland Dent-Care Loan Assistance Repayment Program The MDC-LARP is a collaboration between the Maryland Higher Education Commission (MHEC) and the Department of Health and Mental Hygiene, Office of Oral Health (OOH). Under MHEC, the State Scholarship Administration collects all applications, convenes the review panel, and distributes the loan repayment checks. OOH monitors award recipient to confirm they are meeting their obligations promotes the program, gathers feedback from award recipients, and conducts initial orientation with award recipients. Key Points Purpose of MDC-LARP: To increase the access to oral health services for Maryland Medical Assistance Program (MMAP) recipients by increasing the number of dentists who treat this population.

78. Maryland maryland family Investment Administration. Back to Top. Child Support maryland Child Support Enforcement Program; MD Worksheet A (used for sole custody); http://www.childwelfare.com/maryland_child_welfare.htm

State Population Public Programs for Children Child Population University of Maryland Child Abuse Victims Foster Care Children on Welfare Juveniles in Residential Placement State Child Population Child births not available White White Black Black Hispanic Hispanic Asian Unmarried births Programs for Children Maryland Kids Profile tm Adoption Report Card Foster Care Report Card Welfare Report Card State Child Welfare Agency ... Local Departments of Social Services State Profiles CWLA Fact Sheet Kids Count Profile Maryland Kids Count Profile Maryland Census Info ... Economic Data (USDA) Development Report Card for Maryland Child Welfare Outcome Report CDF Child Health ... Economic Data (USDA) Income Trends Child Health Insurance Program Maryland Child Population ... Suggest additions We are continually updating the information we provide. If you have

79. Pressley Ridge In Maryland And Washington, DC maryland s programs have expanded to include sites in Lanham, Frostburg and the District of Columbia and server over 150 children and families daily. http://www.pressleyridge.org/state/md_dc.html

Choose Your State Delaware Maryland/Washington, DC Ohio Pennsylvania Virginia West Virginia careers contact home Search: Success Story Treatment Foster Care Job Listings Contacts Pressley Ridge Maryland 805 E. Fayette Street Baltimore, MD 21202-9998 Phone: 410-576-8300 Fax: 410-576-8385 PRYDE Washington D.C. 650 Pennsylvania Avenue SE Suite 440 Washington, DC 20003 Office: 202-544-2906 Fax: 202-544-4156 Baltimore District of Columbia Colmar Manor Frostburg Maryland/DC Programs-at-a-Glance First program opened in: Baltimore, MD In 1988, Pressley Ridge was invited to open a PRYDE office in Baltimore. In a short period of time, the Baltimore program was serving over 60 kids. Maryland's programs have expanded to include sites in Lanham, Frostburg and the District of Columbia and server over 150 children and families daily. In 1998, PRYDE Baltimore became one of the first treatment foster care programs in Maryland. PRYDE's mission is to serve seriously emotionally disturbed children by providing them with a highly structured treatment foster home. The PRYDE program is guided by three core values: Children belong with families.

80. Maryland Programs maryland Families continue to experience financial stress due to do also request help in establishing saving programs, retirement planning, and...... http://web.aces.uiuc.edu/lvd/maryland.html

Maryland Programs PROGRAM CATEGORIES I. Youth Leadership and Youth Development II. Community Leadership III. Elected Officials Training IV. Statewide Leadership Development Program ... VII. Volunteer Development Programs I. Youth Leadership and Youth Development No data submitted at this time. II. Community Leadership No data submitted at this time. III. Elected Officials Training No data submitted at this time. IV. Statewide Leadership Development Program No data submitted at this time. V. Family Leadership and Resource Management University of Maryland Program Title: Volunteer Financial Counseling Service Description: Maryland Families continue to experience financial stress due to unemployment , underemployment, sporadic income, illness, death, divorce, and misuse of credit. Since 1967 volunteers have been trained as counselors to assist clientele in assessing their financial situation, exploring available options and choosing appropriate options to establish financial stability. Debt reduction is the most frequent reason for seeking assistance, however clientele do also request help in establishing saving programs, retirement planning, and cutting insurance costs. Audience: As the FCS program has evolved , the counselors trained have become diverse in experience and motivation. As they are trained in an 18 to 24 hour course, they learn skills from basic budgeting to debt resolution. Evaluating insurance, credit use, saving, and banking, are taught as well as counseling skills. At the request of Military Family Services, social agencies, local housing authorities, financial institutions and churches , our training opportunities have expanded to include less traditional volunteers. Clientele served by these expanded volunteers include those in crisis: facing eviction , utility cut-off, judgements, repossession, etc. as well as those who wish to "do a little better job of managing their money". Clients are refered by churches, lending institutions, employers, lawyers, and parents.

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