Protecting all people from discrimination and economic abuses, especially in the realm of housing.

Housing & Economic Rights Advocates (HERA)

HERA is a California statewide, not-for-profit legal service and advocacy organization dedicated to helping Californians — particularly those most vulnerable — build a safe, sound financial future, free of discrimination and economic abuses, in all aspects of household financial concerns. We provide free legal services, consumer workshops, training for professionals and community organizing support, and we engage in policy work, statewide.

HERA's Reentry Work

Among our many services, HERA works to assist those going through reentry to get a fresh financial start.

More of What We Do!

Financial Wellness Workshops

Upcoming Dates and Topics

HERA offers workshops to provide legal information to the public on a wide variety of topics, including debt collection and credit, and how to keep your home and avoid foreclosure. Topics will rotate over time. Check to see which workshops are bilingual and in which languages.

See Our Calendar for Workshop Details ⇒

Our Work

This Is What We Do

Housing & Economic Rights Advocates (HERA)

HERA is a California statewide, not-for-profit legal service and advocacy organization dedicated to helping Californians — particularly those most vulnerable — build a safe, sound financial future, free of discrimination and economic abuses, in all aspects of household financial concerns. We provide free legal services, consumer workshops, training for professionals, community organizing support and engage in policy work, statewide.

What We Believe

We Believe
You Are HERA

We believe all residents of the State of California should be protected against discrimination in credit and housing.

We Believe
You Are HERA

We believe all residents should be able to build a safe financial future.

We Believe
You Are HERA

We believe in safe, happy people, diverse communities, strong schools, enough money for a good life, equal access for everyone, a healthy environment, affordable credit, thriving small business, clear information, inexpensive/high-quality housing, smart growth, asset building and asset preservation.

What We Offer

Some of the services that HERA offers

  • Free legal advice
  • Representation in court for individuals in some cases
  • Consumer workshops
  • Trainings and technical assistance for attorneys, government, counselors, social workers and more
  • Collaboration
  • Policy work
  • Building new institutions

The Work We Do

We promote affordable and fair credit access, asset building and preservation.
We fight abusive mortgage servicing, problems with homeowner associations, foreclosure, escrow and other homeowner problems.
We fight predatory lending of all kinds.
We provide financial counseling to individuals and community education workshops.
We train attorneys. We train professionals and service providers who are not attorneys.
We translate our clients' experiences and needs into policy work.
We collaborate with many different partners across the state.


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

Students, College and Debt

HERA helps you figure out the cost of college, how to price it, and how to manage college debt. We also help you manage student loan debt, whether from college or a for-profit school, and we fight predatory lending practices and scams.
Contact HERA for more information

Debt Collection Problems

HERA helps you understand your legal rights as to debt and credit problems and coaches you through the process of how to handle both. Many different kinds of debts have different kinds of rules describing your rights. On all debts, you have a right to be treated properly by whoever is trying to collect on a debt. HERA teaches you your rights and protects you.
Contact HERA for more information


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

Building Credit Safely

Everyone needs to understand how credit works and how it affects their lives. It is also important to figure out how to build or improve your credit, and how to manage it afterward. HERA helps you with that.
Contact HERA for more information

Veterans and Servicemembers

Veterans and servicemembers 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 servicemembers and their families handle both.
Contact HERA for more information


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

Investigations and Litigation

HERA litigates cases that we think have merit. Some we litigate as individual cases, others as class actions. Click below to see a little bit of our current and prior work.

Investigations and Litigation ⇒

Policy Advocacy

At HERA, we translate what we learn from our clients into policy work, most of which we pursue with many partners.

Read More ⇒

Working Papers

HERA periodically produces research papers to highlight findings from our research and practice.

Read More ⇒

Follow Us!

You can find and like HERA on Facebook, follow us on Twitter, subscribe to us on Youtube and follow us on Instagram.
Find out about our workshops, read great articles, see pictures of our work.

Hear from HERA Clients

A veteran describes what it means for HERA to have worked with him to save his home.
Castillo's Story (English page)
The Camelo's Story - Avoiding scams in the face of foreclosure

You Should Know This

Resources. Information. And all the news that's fit to post.

Selected News on Events, Cases and People Affecting Your Home or Financial Life.

Read News ⇒

Latest Settlements of Cases by Regulators and Others, Reports and Studies, and Other Items of Interest.

Read Announcements ⇒

HERA offers workshops to provide legal information to the public on a wide variety of topics, including debt collection and credit, and how to keep your home and avoid foreclosure. Topics will rotate over time. Check to see which workshops are bilingual and in which languages.

See Our Calendar for Workshop Details ⇒

You may have tax issues that come up when you have debt that is forgiven, or when you get other financial assistance.

HERA does not offer tax advice, but to help you out, we have links here to IRS and other websites to get you started in educating yourself. We also list resources for finding someone to help with taxes. Private tax experts are not free. Volunteer Income Tax Assistance (VITA) sites are free to folks who are lower income, but VITA sites do not generally handle more complicated tax issues. has advice on possible tax consequences from their assistance: Link »

The IRS has information on the Mortgage Debt Forgiveness Tax Relief Act and on Debt Cancellation: Link »

To find help from private tax professionals: Link »

For a list of VITA sites: Link »

HERA is currently offering three brochures FREE to the public.

Our brochures provide information that is both easy to read and loaded with the details that will help you better understand your rights.

Our publications are useful to practitioners and consumers alike but are particularly geared towards the general public.

See Our Brochures ⇒

Debt Collection, Managing Debt, Accessing Credit.

We can provide you with financial counseling and help you through some of the tough decisions. In the meantime, here are helpful resources:

Identity theft victims can now go online and get a free, personalized identity theft recovery plan as a result of significant enhancements to the Federal Trade Commission's website. Link »

Protégese contra el robo de identidad Link »

What's that chip doing on my credit card? Link »

FTC - Dealing with debt collectors: Link (English) »
Link (Spanish) »

Other videos (credit reports, scams, id theft, etc.): Link (English) »
Link (Spanish) »

Protections Against Credit Discrimination: Link »

Debt Collection- What Are My Rights? Link »

Planning for Retirement: Link »

How Can I Have A Safer Financial Future As a Servicemember? Link »

Complain to the Consumer Financial Protection Bureau About Your Consumer Issue: Link »

Scammed? File a Complaint with the Federal Trade Commission: Link »

la Oficina para la Protección Financiera del Consumidor). El CFPB: Link »

la Comisión Federal de Comercio: Link »

Becoming a homeowner or trying to keep your home or make it more affordable?

We can counsel you on these complex questions. In the meantime, here are helpful resources:

Consumer Financial Protection Bureau Helps You With Home Buying Process- What To Expect, What It Should Cost: Link »

Home Loans, Home Improvement: Link »

Avoid Mortgage or Foreclosure Relief Scams: Link »

If You're Having Trouble Paying Your Mortgage: Link »

"What Is a Reverse Mortgage" from the Consumer Financial Protection Bureau: Link »

Reverse Mortgage Guidance from the Consumer Financial Protection Bureau: Link »

Victim of housing, loan servicing or lending discrimination? Contact HUD.

Are You A Victim of Housing Discrimination? Read this.
Arabic | Cambodian | Chinese | English | Korean | Russian | Spanish | Vietnamese

Video - Medina Legislation Assists Corinthian College Students: Link »

Compare Financial Aid and College Costs: Link »

Repaying Student Loan Debt- Options: Link »

Options for Students: Download »

Corinthian College Students — Where to Get Help: Link »

U.S. DOE information: Link »

Can't figure out how to approach getting an auto loan?

Did you end up with a pricier loan than you wanted? Is there a problem with the car? Wondering how to shop for a used car?

Here's helpful information, and you can contact HERA if you still have questions:

How to Buy A Used Car: Link »

Why am I being asked for a co-signer? Does shopping for a loan affect my credit? What's a loan to value ratio? And more... Link »

Denied a checking account? Link »

Guides to help you open and manage your checking account Link »


You might qualify to join a community credit union and get the kind of loan you want. More information on what a community credit union is.

Find a community-based credit union in your area. You can search (filter) for credit unions by state: Link ».

Pitfalls of Mobile Banking and Wallets: Link ».

Consumer Financial Protection Bureau's Retirement Planning Tool Link »

Planifique para su jubilación —Antes de solicitar Link »

CFPB tips to protect your credit when you're active duty: Link »

Housing and Support Services for Low Income Veterans and Their Families: Link »

Personal Finance for Military Families: Link »

Consumer Financial Protection Bureau Resources for Servicemembers: Link »

Federal Trade Commission Resources for Servicemembers and Vets: Link »

Pleadings Bank:
HERA maintains a library of useful legal pleadings to help consumer attorneys help the public. Membership is required to access these pleadings.
Log-In to Pleadings Bank ⇒
Apply for membership ⇒

Webinars and Audio Trainings:
NEW:  What a Homeowner's Attorney Needs to Know About Debt Collection, Foreclosure and Discrimination by California Homeowners Associations (Free) Link »

Troubleshooting Mortgage Servicing Problems: Regulatory Responses and Advocacy Approaches: Link »

New Developments in Residential Loan Servicing: State, Federal and Programmatic Laws, Regulations and Standards: Link »

Residential Lending after the Crash: An Update on How Dodd-Frank and the CFPB Have Changed the Rules of Home Loan Origination: Link »

Bankruptcy, Mortgages and Foreclosure: What Bankruptcy Can and Can't Do for Borrowers in Distress: Link »

Connecting the Dots: Family Law, Housing Law, and Trusts and Estates Practitioners Discuss Mortgage Debt, Families and Foreclosure (Free): Link »

Mortgage Debt Forgiveness, Foreclosure and Tax Consequences: Link »

Making The Most of California's New Homeowner Bill of Rights: Link »

About Us

The HERA Team

Maeve Elise Brown

Maeve Elise Brown manages operations, supervises staff and participates in the organization's substantive work with 26 years experience as a public interest attorney.
Read complete bio ⇒

Sparky Abraham

Sparky Abraham is a Staff Attorney and Equal Justice Works Fellow sponsored by the Pillsbury Winthrop Shaw Pittman Foundation. Sparky's fellowship work at HERA involves helping veterans, servicemembers, and their families with foreclosure prevention, credit reporting, and debt collection.
Read complete bio ⇒

Gina Di Giusto

Gina Di Giusto brings experience as a clerk at a local legal services program, a fellowship at the Superior Court in Alameda County, representation of residents of publicly subsidized housing before local housing authorities and advice to the public on landlord-tenant issues, and provision of assistance on family law matters.
Read complete bio ⇒

Joseph Jaramillo

Joseph Jaramillo brings 20 years of experience as a litigator who has focused his career on serving the public interest.
Read complete bio ⇒

Arthur D. Levy

Arthur D. Levy is HERA's Director of Litigation, with over 35 years of litigation experience focused on class actions representing consumers in major banking, lending and insurance cases.
Read complete bio ⇒

Lisa Sitkin

Lisa Sitkin counsels individual clients, assists with predatory lending and related litigation, serves as a consumer advocate in communications with lenders, loan servicers and legislative bodies and assists with administration of the office.
Read complete bio ⇒

Megumi Tsutsui

Megumi Tsutsui joined HERA in 2014 as an Equal Justice Works Fellow. As an Attorney Fellow, Megumi is focused on eliminating barriers to affordable credit.
Read complete bio ⇒

Noah Zinner

Noah Zinner is currently spearheading the expansion of our financial justice legal work into many additional areas of consumer concerns, including predatory for-profit schools, student and medical debt, and abusive auto and small dollar loans. Noah supervises staff in litigation, helps manage HERA's operations and works on HERA's public advocacy efforts.
Read complete bio ⇒

Reach Out to Us

We look forward to working with you!

Contact HERA

  • (510) 271-8443
  • (510) 868-4521 (fax)
    P.O. Box 29435
    Oakland, CA 94604-0091