Neighborhood Housing Services of Southern Nevada is non-profit organization designed to assist homeowners in despair. However, their authority to deal with lenders are limited and have very little negotiation techniques. After making an appointment to see a counselor and produced all the documents needed, the counselor simply placed my documents (very personal information i.e. loan documents, income tax return, household members with SSN) in a folder. A week later, the counselor then called my lender to discuss my account, with me present... read full review »