lune 16. 2010 <tl,‘ Portiani» (Dbsvruer Homeowners at Risk continued from front their lender. Berger said that if some one has plenty o f equity in their home they w on’t qualify, nor will they if their debt-to-income level is too high. Bruee McClary- spokesperson for Clear Point Financial Solutions, another HUD-certified counseling agency- advises people to talk to their counselor about their overall credit situation and make changes in their finances that will increase their odds that a lender will modify their mortgage. “It’s really the lender that is in the driver spat on this,’’ said Berger. Both Berger and McClary recom mend people try to get a loan modi fication no matter how dire their situation. If you are turned down, Berger said to make another attempt since it’s fairly common for a modi fication to be denied because o f a clerical error. “It’s tough to get loan modifica tions, and the people who get them are very slim,” said McClary. McClary said that his organiza tion has stepped up outreach since the economy tanked, and primarily works with community organiza tions that have established relation ships with people, brining its ser vices to people. Since last summer, 21 linfo has been distributing door hangers throughout Portland to let residents know about its referral services. The free service that helps people navi gate the array o f community ser vices that cover assistance with food, housing, foreclosure, health care, and more. According to data provided by the agency, o f the zip codes that generated the 10 most calls for fore closure five were in north or north east Portland. Since last May, 211 info partnered with the Northeast Coali tion o f Neighborhoods to distribute 3,000 door hangers in inner north east Portland. “Sometimes we don’t know the q u estions to a sk ,” said Im ani Muhammad, community initiatives photo by Page 17 Good in the ‘Hood Kickoff The kickoff party for this year’s Good in the Neighborhood festival will be on Monday, June 21 from 6 p.m. to 10 p.m. at McMenamin’s Kennedy School, 5736 N.E. 33rd Ave. There will be food, drink, live music by Curtis Salgado and a fashion show by Amani. Admission is free. The festival itself will be next Saturday and Sunday, June 26 and 27 at King School Park, 4815 N.E. Seventh Ave., and will feature a full schedule of live music, an Information Village, Ethnic Marketplace, children’s activities, food vendors and a beer garden, also with free admission. Look for a full schedule of Good in the Neighborhood activities in the Portland Ob server next week. M ark W ashington /T he P ortland O bserver Imani Muhammad, community initiatives coordinator for the Northeast Coalition of Neighborhoods, places a door knocker at the home of a local resident. The brochure shows how local residents facing displacement from mortgage troubles can get help from local housing advocates. coordinator for NECN, who ex- plained that the coalition doesn’t know what problems residents might be facing, but hopes that the door hangers will hopefully connect them with help. She said that some residents who find out about the initiative will re- quest a handful o f door hangers to give out to people they know in distress. One man broke into tears o f relief after being handed a door hanger, she said. “if anything it gave him hope,” said Muhammad. “And that’s price- less.” CCC Ministries Family would like you to help celebrate and acknowledge our Pastor The Reverend Frederick Woods 1st Pastoral Appreciation <T> > oQ> SCAPOOSE CAFE 33466 Havlik Dr., Scappoose, OR Phone (503) 987-1546 Fox (503) 987-1043 Call ahead for orders made to-go Specialty Coffee & Smoothies Beer, Wine & Spirits Breakfast & Lunch served until 3 PM. Bakery Free Wi-Fi O CD e CL Hours Mon-Fri 7am-3pm Sat-Sun 8am-3pm £ CD 3 O Friday June 25th ______ zr ) ho 7:00pm Praise and Worship Service — 4 Saturday Jifne 26th 2010 10:00am Pastoral Brunch Purchase tickets $12.50 donation 11:30am Speaker: Bishop Freddie Brown Full Gospel Baptist Fellowship Sunday June 27th Appreciation Celebration : Bishop Darryl Jackson Join Us For Happy Hour 3pm-6pm Mon-Fri Appetizers & Drink Specials ,nDoit- votf sUP I ce fory°l . fri '■ : , offering an additional opportunity cipate in expressing your congregation or business congratulations to: The Reverend Frederick Woods for his many years of service through purchasing an "AD" in our Souvenir Book D o I need a counselor? We all haw life stressors, especially in today's complex world. Balancing your home, work, an d spiritual life can be overwhelming. Internal coping skills can get us through a crisis or change; however, we may n ot haw the resources to owreom e in the m ost effectiw wav. 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