Minnesota Farmer Assistance Network Resource Guide

Transcription

RESOURCE GUIDE Minnesota Department of Agriculture
December 2009
MDA launches Minnesota Farmer Assistance Network
In November 2009, the Minnesota Department of Agriculture (MDA) launched the Minnesota
Farmer Assistance Network (MFAN) in response to the struggling economy and to address the needs
of farmers facing financial challenges. The MFAN network draws upon the expertise of experienced
financial analysts from several organizations working together to help farmers.
These experts provide business and financial guidance to farm families on a variety of topics
including financial statement preparation, debt restructuring, business reorganization and farm
transition.
By calling the toll-free MFAN helpline, farmers are connected to appropriate resources such as
MFAN Analysts, farm business management instructors, extension educators and others with the
expertise to assist them.
Available at no-cost to farmers statewide, MFAN also provides referrals for legal guidance, basic
needs (such as food or housing) and mental health counseling, including a 24-hour crisis hotline. All
information will be confidential.
Farm families seeking assistance can call MFAN toll-free at 1-877-898-MFAN (6326). In the
Twin Cities metro area, the number is 651-201-6326.
The MFAN initiative is a network of organizations working together to provide resources to help
Minnesota farmers who are facing economic hardship. These organizations include:
• Minnesota Department of Agriculture (MDA)
• University of Minnesota Extension
• Minnesota State Colleges and Universities Farm Business Management (FBM) and
Rural Mental Health Programs
• Crisis Connection, Sowing the Seeds of Hope
• MDA Farm Advocate Program
• Farmer-Lender Mediation
• Farmers Legal Action Group
• U.S. Department of Agriculture Farm Service Agency
• Minnesota Department of Employment and Economic Development
• Faith based organizations (Lutheran Social Services, Catholic Charities)
• County Social Service Agencies
For more information, visit the MFAN website at www.mda.state.mn.us/mfan or send an email to
[email protected]
MFAN is administered by the Minnesota Department of Agriculture’s Rural Finance Authority
(RFA) and is consistent with the agency’s mission to strengthen Minnesota’s agricultural economy.
In accordance with the Americans with Disabilities Act, an alternative form of communication is available upon request.
TDD: 1-800-627-3529. MDA is an Equal Opportunity Employer and provider.
December 2009
Minnesota Farmer Assistance Network
Frequently Asked Questions
1.
What is the Minnesota Farmer Assistance Network?
The Minnesota Farmer Assistance Network (MFAN) is a new partnership of organizations
launched by the Minnesota Department of Agriculture (MDA) in response to the struggling
economy, and which addresses the needs of farmers facing financial challenges. The primary
purpose of the MFAN Program is to provide business and financial guidance, and in addition, to
serve as a referral for legal services, basic needs, and mental health counseling.
2. How can MFAN help farm families?
While there are many resources available to help farm families in difficulty, it can sometimes be
hard to recall and access the full list of options in times of need. MFAN serves as an avenue
through which families can access services designed to help them with tough financial situations.
This is accomplished via volunteer financial analysts, who are working in collaboration with
farm business management instructors and extension educators, among others. This volunteerprovided business and financial guidance is available at no cost, and can take many forms, such
as help with financial statement preparation, debt restructuring, business reorganization, and farm
transition.
3. Which organizations are offering resources as part of the MFAN network?
The growing list of MFAN partners includes farm, commodity and other organizations, such as:
• Minnesota Department of Agriculture (MDA)
• University of Minnesota Extension
• Minnesota State Colleges and Universities Farm Business Management (FBM) and Rural
Mental Health Programs
• Crisis Connection, Sowing the Seeds of Hope
• MDA Farm Advocate Program
• Farmers Legal Action Group
• U.S. Department of Agriculture Farm Service Agency
• Minnesota Department of Employment and Economic Development
• Faith based organizations (Lutheran Social Services, Catholic Charities)
• County Social Service Agencies
4. How can I contact MFAN?
MFAN began operations November 1, 2009. The network telephone line will be staffed 24 hours
a day, 7 days a week. Call toll free 1-877-898-6326, or e-mail at [email protected]
Minnesota Department of Agriculture, 625 Robert Street North, St. Paul, MN 55155-2538, www.mda.state.mn.us/mfan
1-877-898-MFAN (6326) or 651-201-6326
December 2009
5. Will there be any fees or costs for farmers to participate in MFAN?
There is no cost for MFAN’s assistance. However, there may be fees associated with services
provided by certain partner organizations. When possible, MFAN will make attempts to identify
scholarships or other resources to help farmers offset these costs.
6. Will the privacy of farmers’ financial information be maintained?
Yes. One of MFAN’s core values is respect for the privacy of financial information. MFAN will
hold confidential the financial information that participating farm families share with MFAN.
7. How can qualified volunteers become part of MFAN?
Initially the MDA invited MFAN partner organizations to nominate candidates. The
Commissioner of Agriculture also sought input from department staff and board members of the
Minnesota Rural Finance Authority. Important qualifications include expertise in farm enterprise
analysis, debt restructuring or crisis counseling. Other desired qualities include strong
communication skills and the ability to work with a wide range of people.
8. Why is the Minnesota Department of Agriculture organizing MFAN?
Agriculture is a key driver of our state economy, providing thousands of jobs and billions of
dollars in economic activity. Unfortunately, right now many producers are experiencing
economic difficulties. By providing one-on-one business and financial guidance to farm
families, MFAN is consistent with MDA’s mission to strengthen our agricultural economy.
9. Will MFAN conflict with the work of Farm Business Management Instructors or the
Minnesota Farm Advocate Program?
No. MFAN is a partnership of interconnected entities working to provide one-on-one business
and financial guidance to farm families considering business reorganization or transition. The
Farm Business Management Program and the Minnesota Farm Advocate Program are two
essential resources and network members. They will continue as independent entities providing
services as they have in the past, and MFAN will help refer people to them.
10. How will MFAN work with the Farmer-Lender Mediation Program?
There is no change. Before adverse financial action may be taken against farmers, they must be
given the option of mediation. Farmers may initiate mediation by contacting the state mediation
office’s director Mary Nell Preisler, at 218-935-5785, or by email at [email protected].
In accordance with the Americans with Disabilities Act, an alternative form of communication is available upon
request. TDD: 1-800-627-3529. MDA is an Equal Opportunity Employer and provider.
December 2009
MFAN RESOURCE GUIDE
Table of Contents in Topical Order
Basic Family Needs – Food, Housing, Electricity, Heat, and Home Budgeting/Credit Counseling
Bridge to Benefits
Catholic Charities and Diocese
Lutheran Social Services
United Way – 211 Warm Line
University of Minnesota, Extension, Family Resource Management List
Farm Management Training/Education
University of Minnesota, Extension
Minnesota State Colleges and Universities (MnSCU), Farm Business Management (FBM) Education Programs
Financial Analysis and Assistance
Farm Credit Services
Lutheran Social Services (LSS), Financial Counseling Service (FCS)
Minnesota Department of Agriculture (MDA), Farm Advocate Program (FAP)Minnesota
Department of Agriculture (MDA), Rural Finance Authority (RFA)
Minnesota State Colleges and Universities (MnSCU), Farm Business Management (FBM) Education Programs
United States Department of Agriculture (USDA),
Farm Service Agency (FSA), Farm Loan Programs
University of Minnesota, Center for Farm Financial Management
University of Minnesota, Extension, Farmer-Lender Mediation
Job Counseling/Assistive Technology
Agrability
Minnesota Department of Employment and Economic Development (DEED), Workforce Centers
Legal Information and Assistance
Farmers’ Legal Action Group (FLAG)
Stress Counseling/Mental Health Assistance
Catholic Charities and Diocese
Crisis Connection
Lutheran Social Services (LSS), Counseling and Adoption Services
University of Minnesota, Extension, Families in Tough Times (Stress Management Tools)
December 2009
MFAN RESOURCE GUIDE
Table of Contents in Alphabetical Order
(If Applicable, “Free” Noted Regarding Available Services; and Toll Free Numbers Listed)
AgrAbility [FREE]……………………………………………...............1-800-669-6719, ext. 5601
Bridge to Benefits [FREE ONLINE TOOL]………….............................................................. N/A
Catholic Charities and Diocese [FREE]………………………..……………….……………... N/A
Crisis Connection [FREE]……………………………..……………….......….…..1-866-379-6363
Farm Credit Services…………………………………………………………….…………….. N/A
Farmers’ Legal Action Group (FLAG)……………………..………..……………..1-877-860-4349
Lutheran Social Services (LSS)
Counseling and Adoption Services [FREE]……………………….……….......1-888-881-8261
Financial Counseling Service (FCS) [FREE]…………………………………..1-888-577-2227
Minnesota Department of Agriculture (MDA)
Farm Advocate Program (FAP) [FREE]……………………………………….………….. N/A
Rural Finance Authority (RFA)……………………………………………......1-800-366-8927
Minnesota Department of Employment and Economic Development (DEED)
Workforce Centers [FREE]………………………………….………………....1-888-438-5627
Minnesota State Colleges and Universities (MnSCU)
Farm Business Management (FBM) Education Programs………...……….….….….….… N/A
United States Department of Agriculture (USDA), Farm Service Agency (FSA)
Minnesota State Office ……………..………………...…………………..…….……...….. N/A
United Way – 211 Warm Line [FREE]……………………………………….………..………. 211
University of Minnesota
Center for Farm Financial Management ……………………………………….….....…..… N/A
Extension …………………………………….……………………………..…..1-800-232-9077
Family Resource Management List ……..…………..…………………………..…...…. N/A
Farmer-Lender Mediation [FREE]……………………………..………….……...….…. N/A
Rural Minnesota Life Online Resources…………………………………………….…..….. N/A
December 2009
AgrAbility Program
Contact:
Maureen Gaedy
2424 First Street South
Willmar, MN, 56201
800-669-6719 ext. 5601 or (320) 214-9238
Email: [email protected]
Web site: www.agrabilitymn.org
The Minnesota AgrAbility Program is dedicated to helping you work safely and independently. We
enjoy breaking down barriers. We want to help you find success in the lifestyle you love. Like you,
we appreciate the value of hard work, common sense, and a can-do attitude. We know how to apply
the right mix of new technology and homegrown ingenuity to get things done. Our job is to plant the
seeds of independence, and our dream is to cultivate hope.
Services include*:
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On-farm consultations to modify equipment, buildings and tools to accommodate the specific
barrier and the farm operation
Safety planning to prevent further injury
Education and training for rural professionals so they can assist farmers with disabilities
Assistance with finding resources to fund recommended modifications
Support and advocacy for farm families
The FenceLine, a peer support network of farmers who have modified their operations
Referrals to other resources such as independent living and farm financial planning services
* To qualify for free consultative services, participants must be a farmer, farm
family member or agricultural worker in production agriculture.
December 2009
on-site consultation
OvercOming barriers with
assistive technOlOgy
Assistive technology refers to devices that
increase the capabilities and independence
of people who face life limitations.
Adaptations are made and used every
day on farms across Minnesota.
cOntact us
For more information about the Minnesota
AgrAbility Project, contact us at:
Toll free: 800-669-6719, ext. 5601
Locally: 320-214-9238
Web site: www.agrabilitymn.org
Are your physical limitations
preventing you from leading a
volunteer peer support network
productive life in agriculture?
unique uses
for commercial
products
Practical Solutions for a Productive Life in Agriculture
December
2009 AgrAbility
Project funded by USDA-CSREES,
Minnesota
Project. Number 2006-41590-03431.
whO we are
what we Offer
Minnesota AgrAbility is part of a national
program that promotes independence in
ranchers, farmers, farm workers and their
families who have disabilities.
From the Minnesota AgrAbility Project you
can expect practical solutions for a healthy
and productive life in agriculture. We offer:
The Minnesota AgrAbility Project is a joint
program of the University of Minnesota
Extension and Goodwill/Easter Seals
Minnesota.
• On-farm consultation
Our missiOn
The Minnesota AgrAbility Project is
dedicated to help you work safely
and independently.
• Education and training
• Safety planning
• Financial planning
• Support and advocacy
whO is eligible fOr services?
• A peer support network
Minnesota AgrAbility helps farmers and their
families overcome barriers related to dis
abilities and chronic health conditions. Some
disabilities may be present at birth, while
others may be the result of injury, illness or
age-related conditions and may include:
• Spinal cord injury
• Arthritis
• Amputations
• Diabetes
• Respiratory problems • Paralysis
• Back pain or injury
• Head injury
• Heart conditions
• Stroke
• Visual and hearing impairments
There are no fees for services received
through AgrAbility.
December 2009
Could you
benefit from:
• Free or low-cost health care?
• Help paying for child care?
• A larger tax refund?
• Free or reduced-cost school meals?
• Money to help buy food?
• Help paying your energy bills?
www.bridgetobenefits.org
December 2009
Find out if you may qualify
for public programs that can help
stretch your budget:
• Medical Assistance
• MinnesotaCare
• General Assistance Medical Care
• Child Care Assistance
• Food Support
• Energy Assistance
• School Meals
• Earned Income Tax Credit
• Working Family Tax Credit
It’s quick, easy, free and confidential
Five simple steps that can help you
and your family:
1 Use a computer with an Internet
connection
2 Visit www.bridgetobenefits.org,
click the start button
3 Answer questions about your household and
income
4 Learn if you or your children may qualify for any
of nine public programs
5 Find out how and where to apply, print
applications and learn more about programs
Children’s Defense Fund Minnesota
555 Park Street, Suite 410
Saint Paul, MN 55103
651.227.6121
December 2009
www.bridgetobenefits.org
What is Bridge to Benefits?
Bridge to Benefits is a multi-state initiative by Children’s Defense Fund Minnesota to increase awareness and
participation in public work support programs and federal and state tax credits. The project relies on an online
screening tool that helps determine potential eligibility for these programs. Work support programs and tax credits
were implemented by federal and state governments to help low-income workers meet basic needs. Yet, in
Minnesota, thousands of eligible families are not participating in these programs or claiming the tax credits that
could provide increased economic stability for their families.
What are the goals of Bridge to Benefits?
The goals of CDF Minnesota’s Bridge to Benefits project are to:
•
•
•
•
•
•
Increase awareness and participation in seven public work support programs and two tax credits;
Improve economic stability and well-being of low-income families by connecting them to work support
programs that help meet basic needs;
Promote healthy child development;
Help families navigate complicated public program enrollment processes;
Assist service providers by forming a “network of support” to ensure families receive the help they need;
Strengthen communities by bringing in more federal and state dollars through the increased number of
families who are participating in public programs and tax credits.
What programs are included in Bridge to Benefits?
Although there are many different types of public programs, CDF Minnesota focuses on the programs that benefit
low-income, working Minnesota families. These include: Medical Assistance, General Assistance Medical Care,
MinnesotaCare, Child Care Assistance Program, Energy Assistance, Food Support, School Meal Program, Earned
Income Tax Credit (EITC) and Working Family Credit (WFC).
Why focus on public work support programs and tax credits?
Living in poverty has devastating effects on a child’s development. Research confirms, however, that even small
increases in a family’s income – as little as $370 a month – can have positive impacts on children’s cognitive,
social and behavioral development outcomes. Participating in public programs puts money in the pockets of lowincome families, benefiting their economic, social, and physical health.
December 2009
Yet, despite the benefits, many low-income families do not participate in the public work support programs. In 2005, 58% of eligible
Minnesotans were not enrolled in Food Support, 22% of eligible Minnesotans were not enrolled in MinnesotaCare or Medical
Assistance, 76% of eligible children were not enrolled in Child Care Assistance, 70% of eligible households were not enrolled in
Energy Assistance, 15% of eligible children were not enrolled in the School Meal Program and 18% of eligible Minnesota
households did not claim the Earned Income Tax Credit or Working Family Credit. Clearly, there is a need for outreach.
In addition to reaping economic benefits for individual families, improved participation in public programs would mean economic
benefits for local communities. Public programs bring millions of federal dollars into the Minnesota economy. Even with the current
low participation rates, Minnesota received the following amounts in federal dollars: $432 million from the EITC, $250 million from
Food Support, $132 million from Child Care Assistance, $109 million from the School Meal Program and $77 million from Energy
Assistance.
Why don’t families take advantage of the programs for which they are eligible?
There are many reasons why families fail to participate in public work support programs including lack of awareness, complicated
application processes, low literacy levels, language problems, stigma and so on.
To participate in all the programs for which they may be eligible, a family may have to complete multiple applications, visit a variety
of eligibility offices and try to understand an array of differing eligibility standards and requirements. CDF Minnesota’s Bridge to
Benefits project tries to help families overcome these obstacles and simplify the application process to get families enrolled.
How does Bridge to Benefits work?
CDF Minnesota’s Bridge to Benefits project basically consists of two steps-- 1) screening low-income families for potential
eligibility in Minnesota’s work support and tax credit programs and 2) helping families complete the application process for the
programs for which they appear eligible.
Step One, Screening: Bridge to Benefits relies on an online screening tool (www.bridgetobenefits.org). By completing the screening
process, which takes less than 10 minutes, a family can find out if they are potentially eligible for the seven public programs and two
tax credits. The site also provides descriptions of each program, tips on how to apply, a list of verifications required for each
program, downloadable applications and information on where to apply for each program. The site will also lead families to any
organizations within their counties that provide one-on-one application assistance for the programs. The site is quick and simple to
use and although it is available to any family to use on their own, CDF Minnesota believes the website is most effective when used
as part of a community-wide program to support working families. Thus, CDF Minnesota looks to recruit community organizations
that serve a large number of working families and are willing to integrate the Bridge to Benefits screening into their everyday work.
The screening tool enhances the ability to provide resources to families in a one-stop approach. Potential screening organizations
may be schools, job placement centers, social service agencies, housing organizations, family resource centers, family service
collaboratives, WIC sites, Head Start programs, etc.
Step Two, Application Assistance: CDF Minnesota also seeks to identify local organizations that can help families complete the
enrollment process for one or more of the public programs to ensure families get enrolled if they are eligible. These “application
assistance” organizations provide families with the one-on-one assistance (such as completing a program application) that may be
required to overcome the many obstacles that prevent families from participating in public programs. Examples of this type of
organization may be a Community Action Agency that provides assistance in applying for energy assistance, a food shelf that helps
families apply for food support, or a health care organization that helps families apply for Medical Assistance. CDF Minnesota has
already identified a few statewide partners that will provide this type of assistance. A family that is screened at one of the screening
organizations will be directly referred to one or more of the application assistance organizations to help them complete the
application processes. A direct referral means that a family’s contact information is forwarded – via the Bridge to Benefits website -to the application assistance organizations, which agree to follow up with that family about starting the enrollment process. This
relieves the family of the burden of contacting multiple organizations in order to receive help in applying to programs. This
electronic screening and direct referral process is what elevates CDF’s Bridge to Benefits project beyond a typical resource and
referral project.
How do organizations become involved in Bridge to Benefits?
If your organization currently assists low-income families in finding resources or improving their economic stability, Bridge to
Benefits may help meet your goals. If your organization currently assists families in completing applications for a public program,
CDF Minnesota would be interested in talking to you about becoming a Bridge to Benefits partner.
For more information on Bridge to Benefits, please contact Ryan Johnson, Outreach Specialist, at 651-855-1175/[email protected], or Elaine Cunningham, Outreach Director, at 651-855-1176/[email protected].
December 2009
Catholic Charities
The mission of Catholic Charities is to provide service to people in need, to advocate for justice in
social structures, and to call the entire church and other people of good will to do the same. Catholic Charities agencies serve people of all faiths. They provide a wide range of services —
housing, emergency services, health care, child care, adoption, as well as offer marriage, family and
personal counseling programs, along with other critical services. For more information check with
your local parish or contact the following. Catholic Charities of the Diocese of St. Cloud – 3 Locations
Main Offices
911 18th St N
St. Cloud, MN 56303
(320)-650-1550 800-830-8254
www.ccstcloud.org/
West Campus
157 Roosevelt Rd
St. Cloud, MN 56301
St. Cloud Children’s Home – South Campus
1726 7th Ave S
St. Cloud, MN 56301
Catholic Charities of the Diocese of Winona – 7 Locations
Winona
111 Market Street, Suite 2
Winona, MN 55987
Phone: (507) 454-2270
Fax: (507) 457-3027
www.ccwinona.org
Rochester
903 W Center St, Ste 220
Rochester, MN 55902
Phone: (507) 287-2047
Fax: (507) 287-2050
Mankato
816 Hubbell Avenue
Mankato, MN 56001
Phone: (507) 387-5586
Fax: (507) 387-5587
Worthington
1234 Oxford Street
PO Box 802
Worthington, MN 56187
Phone: (507) 376-9757
Fax: (507) 376-9758
Albert Lea
308 East Fountain
December 2009
Albert Lea, MN 56007
Phone: (507) 377-3664
Austin
405 4th St. NW
Austin, MN 55912
Phone: (507) 433-3062
Owatonna
577 State Avenue
Owatonna, MN 55060
Phone: (507) 455-2008
Catholic Charities of St. Paul and Minneapolis
1200 Second Avenue South,
Minneapolis, MN
612-664-8500
www.ccspm.org/
Diocese of Crookston
1200 Memorial Dr
Crookston, MN 56716
(218) 281-4533
www.crookston.org
Diocese of Duluth
2830 E Fourth St
Duluth Minnesota 55812
(218) 724- 9111
www.dioceseduluth.org
Diocese of New Ulm Catholic Charities – 4 Locations for Counseling Services
If you or anyone you know is in need of Catholic Charities services, please contact Paulette Kral
at 1-(866) 670-5163 or 1-(507) 359-2617, on Monday, Tuesday, Thursday, Friday - 8AM
5PM, and Wednesday 10 AM - 7 PM
NEW ULM
Pastoral Center
1400 6th Street N
New Ulm, MN 56073
(507) 359-2966
www.dnu.org
WILLMAR
Catholic Charities House
1112 Mongonalia Avenue
HUTCHINSON
902 Hwy 15 South, Suites 12 &13
MARSHALL
Campus Religious Center, 1818 Birch Street
December 2009
Crisis Connection
1-866-379-6363 (Toll Free – Minnesota)
612-379-6363
TTY 612-379-6377
www.crisis.org
Crisis Connection is a nonprofit agency that provides 24-hour crisis counseling by telephone. Our
community call center relies on trained volunteers and paid staff who answer calls 365 days per year.
Crisis Connection is a non-profit mental health counseling agency providing telephone counseling
services, specializing in crisis counseling, intervention and referral. We are based in the Twin Cities
of Minneapolis-St Paul, Minnesota and through the support of donors, the United Way, Hennepin
County and others, are able to provide free hotlines to residents throughout the state of Minnesota.
In addition we contract with professionals, EAPs, government and social service agencies to provide
other levels of call support and phone counseling nationwide. We are dedicated to helping people
with personal and family problems and crises, through telephone counseling, but also through
professional training and community education services. If talking would help, give us a call at (612)
379-6363 or statewide 1-866-379-6363. TTY available at (612) 379-6377.
People turn to Crisis Connection because our services are:
• Available to all callers throughout Minnesota
• Immediately accessible
• 24 hours a day
• 365 days per year
• Confidential
• Able to respond to any problem
• Delivered by skilled counselors
• Free in the community for those who have no other means of support
Programs That Help
The Crisis Hot Line (612- 379-6363 or statewide 1-866-379-6363) is the 24-hour crisis phone line.
This community service, which is free and confidential, takes calls from anyone in need of
counseling and support. The Men's Line (612-379-6367 or statewide 1-866-379-6367) is a 24-hour counseling line for men
and others who want to talk with someone about issues of abuse and violence in their lives.
National Suicide Prevention Lifeline (statewide 1-800-273-TALK) is a 24-hour crisis line for
people in danger of harming themselves.
The WorkLine (612-852-2225) is a 24-hour counseling line for MFIP (Minnesota Family
Investment Program) participants who are moving from welfare to work. Emergency job-related
transportation and childcare are also available to program participants. Note: Participants must
register with MFIP.
Community Education Program (612-379-6388) offers training in crisis intervention counseling
and suicide prevention. Workshops are tailored to the needs of individual organizations.
December 2009
Teen Education Program (612-852-2223) provides adolescents with access to mental health
information and crisis counseling. The program includes school presentations, locker magnets for
students, and workshops on suicide awareness and prevention for teachers, counselors and parents.
December 2009
Farm Credit Services
1-800-444-FARM
The Farm Credit System is a federally chartered network of borrower-owned lending institutions
comprised of cooperatives and related service organizations. Cooperatives are organizations that are
owned and controlled by their members who use the cooperative’s products, supplies or services. The
U.S. Congress authorized the creation of the first System institutions in 1916. Our mission is to
provide sound and dependable credit to American farmers, ranchers, producers or harvesters of
aquatic products, their cooperatives, and farm-related businesses. We do this by making appropriately
structured loans to qualified individuals and businesses at competitive rates and providing financial
services and advice to those persons and businesses.
Consistent with our mission of serving rural America, we also make loans for the purchase of rural
homes, to finance rural communication, energy and water infrastructures, to support agricultural
exports, and to finance other eligible entities.
Farm Credit institutions are chartered by the federal government and must operate within limits
established by the Farm Credit Act. The Farm Credit System is regulated by an independent federal
agency, the Farm Credit Administration, which has all of the enforcement, regulatory and oversight
authority as other federal financial regulators. Farm Credit is a government-sponsored enterprise, or
“GSE” – a privately owned set of institutions established by Congress to address the needs of a
specific sector of the economy.
Farm Credit delivers the financial power of Wall Street to agriculture and rural America by issuing
debt in the national and international money markets and using this capital to provide borrowers with
access to reliable and competitive credit. The full financial strength of all of the Farm Credit banks
stands behind the debt issued on behalf of the System. In addition, investors in Farm Credit debt are
protected by the assets of the self-funded Farm Credit System Insurance Fund, which is administered
by an independent agency of the federal government.
Minnesota Locations
AgCountry Farm Credit Services
1900 44th Street
South Fargo, ND 58108
(701) 282-9494
Fax: (701) 282-9618
www.agcountry.com
Counties (Minnesota) Served: Becker, Beltrami, Big Stone, Clay, Clearwater, Douglas, Grant,
Hubbard, Kittson, Koochiching, Lake of the Woods, Mahnomen, Marshall, Norman, Otter Tail,
Pennington, Polk, Pope, Red Lake, Roseau, Stevens, Todd(part), Traverse, Wadena and Wilkin.
AgStar Financial Services
1921 Premier Dr. Mankato, MN 56002
(866) 577-1831
www.agstar.com
Counties Served: Aitkin, Anoka, Benton, Blue Earth, Brown, Carlton, Carver, Cass, Chisago,
Cook, Cottonwood, Crow Wing, Dakota, Dodge, Faribault, Fillmore, Freeborn, Goodhue,
Hennepin, Houston, Itasca, Isanti, Jackson, Kanabec, Lake, LeSueur, Martin, McLeod, Mille
Lacs, Morrison, Mower, Murray, Nicollet, Nobles, Olmsted, Pine, Pipestone, Ramsey, Rice,
December 2009
Rock, Scott, Sibley, St. Louis, Steele, Sherburne, Stearns, Todd, Wabasha, Waseca, Washington,
Watonwan, Winona and Wright.
United FCS
3881 Abbott Dr.
Willmar, MN 56201
(320) 235-1912
Fax: (320) 235-1433
www.unitedfcs.com
Counties Served: Chippewa, Kandiyohi, Lac qui Parle, Lincoln, Lyon, Meeker, Redwood,
Renville, Swift, and Yellow Medicine.
December 2009
Farmers' Legal Action Group, Inc. (FLAG)
360 North Robert Street, Suite 500
St. Paul, MN 55101
Phone: 651-223-5400
Toll-Free: 877-860-4349
Web site: www.flaginc.org
FLAG is a law center dedicated to providing legal services to farmers, ranchers, and their rural
communities in order to help keep family farmers on the land. FLAG provides legal information and
referrals for farmers in all Minnesota counties. FLAG works with legal services offices throughout
the State through the Minnesota Family Farm Law Project to provide a wide range of legal services.
To the extent possible, FLAG also provides backup assistance to attorneys representing financially
distressed Minnesota family farmers.
Legal Representation in the following areas:
• USDA and FSA Appeals, including within the National Appeals Division (NAD)
• Debtor-Creditor Issues
• Repossession
• Foreclosure
• Bankruptcy
• Access to Credit
• Beginning Farmer
• Disaster Assistance
• Livestock Contracts
• Environmental Compliance
• Conservation Assistance
• Fuel Assistance
• Minnesota Care
Referrals
If a farmer is not eligible for assistance or if MFFLP is unable to help, we can make referrals to
Minnesota attorneys who practice in the area of farm law. In some cases, the attorney may assist the
farmer at a reduced rate or even at no charge.
REGIONAL MINNESOTA FAMILY FARM LAW PROJECT OFFICES and LOCATIONS
Southern Minnesota Regional Legal Services (SMRLS)
12 Civic Center Plaza, Suite 3000
PO Box 3304
Mankato, MN 56002-3304
Phone: 507-387-1211
Toll-free: 800-247-2299
Web site: www.smrls.org
Serving: Blue Earth, Brown, Cottonwood, Faribault, Jackson, Le Sueur, Martin, McLeod, Murray, Nicollet, Nobles, Pipestone, Redwood, Rock, Sibley, Waseca, Watonwan counties. Southern Minnesota Regional Legal Services (SMRLS)
903 West Center Street, Suite 130
Rochester, MN 55902
Phone: 507-292-0080
December 2009
Toll-free: 866-292-0080
Web site: www.smrls.org
Serving: Carver, Dakota, Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Olmsted,
Ramsey, Rice, Scott, Steele, Wabasha, Washington, Winona counties.
Mid-Minnesota Legal Assistance (MMLA)
St. Cloud Area Legal Services (SCALS)
830 West St. Germain, Suite 300
PO Box 886
St. Cloud, MN 56302
Phone: 320-253-0121
Toll-Free: 888-360-2889
Web site: www.midmnlegal.org
Serving: Benton, Big Stone, Chippewa, Chisago, Hennepin, Isanti, Kanabec, Kandiyohi,
LacQuiParle, Lincoln, Lyon, Meeker, Mille Lacs, Morrison, Pine, Renville, Sherburne, Stearns,
Swift, Todd, Wright, Yellow Medicine and northeastern counties.
Legal Services of Northwest Minnesota, Inc. (LSNM)
(Alexandria Office)
1114 Broadway
Alexandria, MN 56308
Phone: 320-762-0663
Toll-Free: 800-450-2552
Web site: http://www.lsnmlaw.org
Serving: Douglas, Grant, Otter Tail, Pope, Stevens, Traverse, and Wadena counties.
(Bemidji Office)
215 - 4th Street NW
PO Box 1883
Bemidji, MN 56619-1883
Phone: 218-751-9201
Toll-Free: 800-450-9201
Web site: www.lsnmlaw.org
Serving: Beltrami, Clearwater, Hubbard, Lake of the Woods, and Mahnomen counties.
(Moorhead and Administrative Office)
1015 7th Avenue North
Moorhead, MN 56561-0838
Phone: 218-233-8585
Toll-Free: 800-450-8585
Web site: www.lsnmlaw.org
Serving: Becker, Clay, Kittson, Marshall, Norman, Pennington, Polk, Red Lake, Roseau, and Wilkin
counties.
December 2009
Lutheran Social Service (LSS) Counseling and Adoption Services
1-888-881-8261 (for counseling information throughout Minnesota)
email: [email protected]
www.lssmn.org/counseling/individual_family.htm
LSS offers counseling in several locations across Minnesota and has access to a broad network of
counselors where LSS does not have its own counseling centers. LSS offers a full range of mental
health services which integrate sound professional practices with individual planning by a
multidisciplinary team, including psychiatric consultation. We are also notably experienced in
working with a diverse population in terms of cultural and ability differences. Services are available
to individuals, couples and families. Children, adults and families come to us with a variety of issues:
depression, anxiety, stress, behavior problems, abuse, suicide, divorce and marriage problems.
LSS Counseling and Adoption Services Locations
Alexandria (320) 762-5124
Albert Lea (507) 625-7660
Brainerd (218) 828-7379
Detroit Lakes (218) 847-0629
Mankato (507) 625-7660
Minneapolis/St. Paul (612) 879-5320
St. Cloud (320) 251-7700
Willmar (320) 251-7700
December 2009
Lutheran Social Service (LSS) Financial Counseling Service (FCS)
1-888-577-2227 Appointment Line
www.lssmn.org/debt and www.cccs.org
Who We Are
• LSS Financial Counseling Service (FCS) is a Consumer Credit Counseling Service
(CCCS) serving all people regardless of race, creed, religion, national origin, sex, sexual orientation, disability or age. • LSS FCS began in 1987 and now we are the largest provider of full-service, community-based financial counseling and financial education in Minnesota. • LSS FCS is a member agency of the National Foundation for Credit Counseling (NFCC)
which is the “gold standard” for reputable debt management plans and debt counseling.
• Our counselors receive significant training and are certified in credit counseling, housing counseling, foreclosure prevention, and reverse mortgage counseling. What We Do
1. Budget and debt counseling
2. Debt Management Plans
3. Credit report review
4. Counselor on call phone coaching
5. Pre filing bankruptcy counseling
6. Pre discharge bankruptcy education
7. Housing counselor on call
8. Foreclosure prevention counseling
9. Reverse mortgage counseling
10. Pre purchase mortgage counseling
11. Post purchase mortgage counseling
12. Community financial education
How We Make a Difference
• Individualized budget counseling and financial action plans to take pressures off
• Structured monthly debt management plans to repay debts faster and in full
• Foreclosure prevention counseling to restore sense of control and avoid scams
• Expert coaching on moving from check-to-check living into financial wellness
• Financial education delivered: employers, schools, churches, community groups.
Who We Serve
• Over 18,000 families each year, from all walks of life, are served by LSS FCS, with
appointments offered face to face and by phone and online counseling
• Over 2,600 clients have a Debt Management Plan (DMP) where each month they make
one payment to creditors through LSS, with debts paid in full within 3-5 years. We
work with all creditors and help clients address all types of debts.
Locations and hours
• Mankato, Willmar, St Cloud, Brainerd, Duluth, Eveleth, and Superior, WI
• Minneapolis, St Paul Hopkins, University of Minnesota, St Catherine University
• Mon-Fri from 8:00-5:00 with some evening and Saturday hours
Referrals and Collaboration
Consider making referrals to LSS FCS as part of your proactive customer service and retention
efforts. It can result in customers improving their money management and credit status.
Financially healthy customers are in a better position to fund savings and to pay back debts. We
can also explore the possibilities of enhanced levels of service and deeper partnerships such as
a dedicated 800 number, on-site financial workshops, co-branded materials and making
program brochures available.
December 2009
LSS FCS Locations (Appointment Line 1-888-577-2227)
BRAINERD
318 W. Laurel St.
Brainerd MN 56401
DULUTH
424 West Superior Street, Suite 600
Duluth MN 55802
EVELETH
Wells Fargo Bank Building
302 Grant Avenue
Eveleth MN 55734
HOPKINS
Community Action Partnership of Suburban Hennepin
33 Tenth Avenue South, Suite 150
Hopkins MN 55343
MANKATO
710 South Second Street
Mankato MN 56001
MINNEAPOLIS
2400 Park Avenue
Minneapolis MN 55404
ST. PAUL
Capitol Professional Building
590 Park Street, Suite 310
St Paul MN 551
Eastside Financial Center
965 Payne Avenue
St Paul MN 55130
SUPERIOR, WI
LSS of Wisconsin and Upper Michigan
2231 Catlin Avenue, 4th Floor
Superior WI 54880
UNIVERSITY OF MINNESOTA
(this location for students only)
Boynton Health Service, Room 447
U MN main campus, Minneapolis
WILLMAR
1601 Highway 12 East, Suite 6
Willmar MN 56201
December 2009
LSS FINANCIAL COUNSELING SERVICE
What is Debt Settlement or “Debt Negotiation”?
A debt settlement is an agreement with a creditor to pay off a debt for a reduced amount. Creditors are
sometimes willing to cancel part of the debt and accept a lesser amount as full repayment if they have
been unsuccessful at collecting on the debt. ‘Settling’ debts with your creditors may sound like a good
idea, and in some cases it may be a viable alternative to repaying the debt in full. However, there may
be a long-term negative impact on your credit report. Consider these dangers before agreeing to
‘settle’ on a debt:
• Make sure to get all settlement offers in writing. On occasion, the collector may state that they
will accept a large payment as a settlement but will actually continue to attempt collection on
the full balance.
• The account will show as “settled for less than full balance” on your credit report. This is not
the same as repaying your debts in full and is a negative item on your report.
• There can be a hidden tax liability: many creditors send the IRS a 1099COD form showing the
forgiven amount of the debt as ‘income’ you received. Determining if this is actually taxable to
the consumer is a difficult and often misunderstood process. It is recommended that you check
with a tax professional about possible income tax ramifications of debt settlement.
Companies that advertise ‘Debt Negotiation’ and promise to reduce your amount of debt, also known
as settlement companies, claim they are non-profit; however, many are coming under increased
scrutiny by federal and state regulators for deceptive practices.
What They Claim:
• They claim that they can arrange for your unsecured debts (typically credit cards) to be paid off
from 10% to 50% of the balance owed. For example, they may accept a pay-off of $2,000 on a
$5,000 balance.
• They claim that their program is a good alternative to bankruptcy and won’t affect your credit
now or in the future.
What You Should Know:
• Many debt negotiation companies charge consumers substantial fees including a percentage of
the money they have supposedly saved you.
• There is no guarantee that a creditor will accept partial payment to satisfy the debt. If the
creditor does not accept a settlement, your wages could be garnished or your bank account
levied.
• Your credit report will be severely impacted as these companies encourage you to fall
delinquent. Your creditors may charge off the accounts and/or send the account to collection
agencies. Collections practices from both the original creditor and collection agencies can be
very aggressive and bothersome.
• You should never pay anyone to settle an account. If you decide to ‘settle’ you can try to
negotiate directly with creditors on your own.
888-577-2227
www.lssmn.org/debt
December 2009
LSS FINANCIAL COUNSELING SERVICE
What Is A Debt Management Plan?
If someone is overextended with unsecured debts, a Debt Management Plan (DMP) may be an
effective way to gain control of the situation. Here are some things you should know about a
DMP:
� A DMP is not a loan. The client makes one monthly payment to us, which we distribute to all
creditors.
� Often, the monthly payments made to creditors through a DMP will be lower than the payments
currently required.
� Some creditors will reduce interest, stop fees and bring the account current. Most creditors
will stop their collection activities.
� Qualifications to enter a DMP include a balanced budget, a situation that warrants outside help,
and a DMP that benefits the client. The receipt of financial counseling services does not
guarantee participation in a DMP.
� In most cases, creditors require that all revolving debts be included when entering a DMP.
These accounts are closed once they are included in a DMP.
� A DMP may show up in a client’s credit report. This could have a negative impact on the
client’s credit rating. It is important to know that Fair, Isaac and Company, who produce the
FICO credit score that many lenders use to determine credit worthiness, are on record that they
will not deduct any points from a score for being in a DMP. However, if the client has been
delinquent on accounts in the past or is overextended, a DMP may actually improve their credit
rating. We recommend that the client talk to his/her bank or credit union with questions
regarding their specific situation.
� Our DMP’s serve the dual role of helping a client repay debts and helping creditors to receive
the money owed them. Most of our funding comes from voluntary contributions from creditors
who participate in DMP’s. Since creditors have a financial interest in getting paid, most are
willing to make a contribution to help fund our agency. These contributions are usually
calculated as a percentage of payments made through a DMP - up to 15% of each payment
received, to a maximum of $50. However, client accounts with creditors will always be
credited with 100% of the amount paid through us and we will work with all creditors
regardless of whether they contribute to our agency.
A financial counselor will be happy to answer any additional questions regarding a Debt
Management Plan. www.lssmn.org/debt
888-577-2227
December 2009
Beware of Debt Assistance Scams
From the
Office
of Minnesota
General
Lori
Swanson
From
the Office
of MinnesotaAttorney
Attorney General
Mike
Hatch
Are you struggling to make ends meet financially?
Does it seem like your monthly bills exceed your
income? Many nonprofit credit counseling organizations can assist you for free in managing your
debt and coming up with solutions to your financial problems. You should be careful, however,
to avoid hiring companies that charge you money
to help you but end up making a bad situation
worse. There are no easy ways or quick fixes
for getting out of debt. Doing so requires developing a careful budget and may take time. Attorney General Lori Swanson offers these tips so
that consumers trying to do the right thing by getting help do not get bad and costly advice.
Credit Counseling
You should make sure that any credit counseling
organization that promotes itself as a “nonprofit”
does not charge you hidden fees.
Debt Management Plans
If you owe more on your bills than you can afford
to pay, a credit counseling agency may recommend that you establish a “debt management
plan.” A debt management plan should be tailored to your particular financial situation. Under a debt management plan, you deposit money
each month with the credit counseling organization, which may work with your creditors to lower
your interest rate or waive certain fees. The credit
counseling organization then uses your deposits
to pay your bills, which may include credit card
bills, car loans, medical expenses and the like.
The credit counseling organization should work
with you and your creditors to establish a payment schedule. The goal of a debt management
plan is to repay the money that you owe through
periodic payments.
Reputable credit counseling organizations help
you develop a monthly budget and give you advice on managing your money and paying your
debts. Many are nonprofits that do not charge
you a fee for their services. Their counselors
have training in the areas of finance and consumer
credit. They will review your financial situation
and help you develop a plan tailored to your Most debt management companies are required
to be licensed by the Minnesota Department of
needs.
Commerce. Therefore, before you hire a debt
To locate a reputable credit counseling organiza- management company, check with the State Comtion in your area, contact the following organiza- merce Department to be sure it is properly licensed and has not had any enforcement action
tions:
taken against it. You may contact the State Commerce Department as follows:
LSS Financial Counseling Service
Department of Commerce
1-888-577-2227
Market Assurance Division
www.cccs.org
85 East Seventh Place, Suite 500
St. Paul, MN 55101
National Foundation for Credit Counseling
(651) 296-2488
1-800-388-2227
1-800-657-3602
www.nfcc.org
www.commerce.state.mn.us
Minnesota Attorney General’s Office  1400 Bremer Tower  445 Minnesota Street  St. Paul,
MN 55101
December 2009
(651) 296-3353  1-800-657-3787  TTY (651) 297-7206  TTY 1-800-366-4812  www.ag.state.mn.us
Debt Settlement/Negotiation Companies
“Mary” is a divorced mother in her 50’s
with two children. With a reduction in
her hours at work, she got behind on her
bills. Mary thought she was doing the
right thing by hiring a debt settlement
company, which promised to reduce her
bills and help her get out of debt. The
debt settlement company required Mary
to pay it hundreds of dollars in fees up
front. It then told her to stop paying her
bills so that her creditors would be willing to negotiate with the company. A
few months later, Mary was shocked
when one of her creditors filed a lawsuit against her. She called the debt
settlement company, but it told her that
it could not help her with the lawsuit
and that she would have to hire an attorney. Meanwhile, Mary’s credit was
further ruined, and she was faced with
defending a lawsuit in court. Don’t let
what happened to Mary happen to you!
Debt settlement/negotiation companies promise
you quick results to get out of debt. They typically tell you to stop paying your bills altogether
and instead save the monthly payments you are
making in a savings account. Once you have sufficient funds, the company will supposedly contact your creditors to negotiate a lump-sum payoff of your debt. Debt settlement/negotiation companies often promise you that they can cut your
bills in half or more.
Most debt settlement/negotiation companies
charge high fees. They sometimes require you to
make initial up-front payments to them and then
take a high percentage of all monthly payments
you deposit into your bank account.
Debt settlement/negotiation programs are very
risky and have longterm negative impact on your
credit and ability to get loans or credit in the future.
Some organizations, such as the Consumer Federation of American, warn consumers not to use
debt settlement/negotiation companies. Consumers have told the Attorney General’s Office that
debt settlement/negotiation companies have made
serious misrepresentations to them that left the
consumers far worse off then when they started.
If you follow the advice of a debt settlement/negotiation company to stop paying your bills, you
will likely incur late fees, pay interest-upon-interest, and fall further into default. This may ruin
your credit, and some of your creditors may even
file lawsuits against you or garnish your wages
and/or bank account.
Tips for Consumers
Minnesota Attorney General Lori Swanson provides the following ten tips:
1. Find a reputable counselor. Find a reputable
credit counseling organization by contacting LSS
Financial Counseling Service at 1-888-577-2227
or www.cccs.org or the National Foundation for
Credit Counseling at 1-800-388-2227 or
www.nfcc.org. Before you use any credit counYou should be extremely cautious about using a seling organization, also check with the Better
debt settlement/negotiation company. These com- Business Bureau at:
panies are currently not regulated or licensed under Minnesota law. Because they tell you to stop
Better Business Bureau
paying your bills, your credit will suffer. Be2706 Gannon Road
cause you are not paying your bills, you may be
St. Paul, MN 55116-2600
contacted by debt collection agencies or even
(651) 699-1111
sued.
Toll free: 1-800-646-6222
www.bbb.org
Long-Term
Care Insurance
Minnesota
Attorney General’s
Office  1400 Bremer Tower  445 Minnesota Street  St. Paul,
MN 55101
December 2009
Try to find an organization that will help you for money up front that would be better used to pay
free as part of its mission.
off your bills?
2. Is the company licensed? Debt management
companies must be licensed by the Minnesota
Department of Commerce. Debt settlement/negotiation companies currently are not required to
be licensed. With a debt settlement/negotiation
company, you pay it fees, but it does not distribute money directly to your creditors for you. Find
out whether any company you intend to hire is
licensed with the State Commerce Department by
calling that agency at (651) 296-4026 1-800-6573602.
3. Dangerous promises. Beware of any company that tells you to stop paying your creditors.
If you stop paying your creditors altogether, you
may ruin your credit, have lawsuits filed against
you, and have your wages or bank accounts garnished.
7. Watch the fine print. Debt settlement/negotiation companies may have you sign written contracts that differ from what they tell you on the
phone. For example, the debt settlement/negotiation company may tell you over the phone to
stop paying your creditors and that you won’t be
sued. The contract, however, may say just the
opposite. You should read the fine print of any
contract. If the contract says something different
than what you are told in person or over the phone,
do not sign it. Make sure all verbal promises are
in writing.
8. A plan tailored to your needs. A legitimate
credit counseling organization should take time
to understand your income and expenses, and tailor a plan to your own particular needs. Beware
of any organization that gives you generic or “one
size fits all” advice.
4. Sound too good to be true? Some debt settlement/negotiation companies may “guarantee” to
lower your monthly credit card and loan payments,
or to reduce your payments by fifty percent or
more. Remember: if a promise sounds too good
to be true—it usually is.
9. What’s the end game? You should understand exactly how much the service will cost you
and whether the company takes its fees before
money is paid to your creditors. You should also
understand what interest rates you will be paying
the creditors, whether the creditors will reduce
5. Beware of money-back guarantees. In or- your lump-sum payments, and how long it will
der to allay consumers’ concerns, some debt take to completely pay down your debt.
settlement companies promise money-back guarantees. These guarantees, however, may not be 10. No quick fixes. Remember: there is no
worth the money they’re printed on. Don’t let a magic solution toward getting out from under conmoney-back guarantee lure you into a false sense sumer debt. Doing so takes hard work, time, and
of security.
careful budgeting.
6. Know the fees. Some companies charge high For more information, contact:
up-front and/or monthly fees for enrolling in credit
counseling or a debt management or settlement
Office of Minnesota Attorney General
plan. Some credit counseling services are
Lori Swanson
nonprofits, while others are for profit. Some debt
1400 Bremer Tower
settlement and management companies charge you
445 Minnesota Street
high fees. Take time to know what your total
St. Paul, MN 55101
costs are and who is receiving your money. Is
(651) 296-3353 or 1 (800) 657-3787
the debt settlement/negotiation company taking
TTY: (651) 297-7206 or 1 (800) 366-4812
www.ag.state.mn.us
Minnesota Attorney General’s Office  1400 Bremer Tower  445 Minnesota Street  St. Paul, MN 55101
December 2009
Minnesota Department of Agriculture
MDA Telephone Directory
625 Robert St N, St. Paul, MN 55155-2538
Gene Hugoson, Commissioner
Jim Boerboom, Deputy Commissioner
Joe Martin, Assistant Commissioner
Robin Kinney, Assistant Commissioner
The Minnesota Department of Agriculture
(MDA) is responsible for ensuring that the
food we eat is safe and wholesome all the way
from the farm until it reaches the consumer. Its
mission is to work toward a diverse agricultural
industry that is profitable as well as environmentally sound; to protect the public health and
safety regarding food and agricultural products;
and to ensure orderly commerce in agricultural
and food products. The MDA administers in
spectionprogramstoensurethewholesomeness
of foods, milk and animal feeds. The agency is
responsible for pesticide, fertilizer, weed, feed
and seed regulations. The MDA is also the only
state agency that promotes the development of
Minnesota agriculture and its related industries,
which together are responsible for nearly onequarter of all the jobs in Minnesota.
Commissioner’s Office
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denotes public metered parking areas
Centennial Ramp public parking on Orange Level only
On-street metered parking on N. Robert St. and
Rev. Dr. MLK Jr. Blvd.
651-201-6012
651-201-6012
651-201-6004
651-201-6015
651-201-6027
651-201-6002
651-201-6023
651-201-6005
651-201-6010
The
Minnesota
Department of
Agriculture
651-201-6006
651-201-6095
Special Telephone Numbers
1-800-967-AGRI
1-888-545-MOTH
651-201-MOTH
Food Info/Complaint Desk
651-201-6064
Minnesota Grown Answerline
651-201-6050
Pesticide & Fertilizer Spills - 24 Hour Response
Metro
651-649-5451
Greater Minnesota
1-800-422-0798
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Integrated Pest Management
• Agricultural Finance
Commissioner’s Office
Dairy and Food Inspection
Finance and Budget
Human Resources
Information Services
Laboratory Services
Pesticide and Fertilizer
651-201-6000
651-201-6008
651-201-6011
651-201-6030
Agriculture Hotline
Arrest the Pest Hotline
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Environmental Review
• Sustainable Agriculture and
Management
Plant Protection
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In addition to helping the commissioner with
administrative duties, the Commissioner’s
Office staff members coordinate the legislative,
communications, technology, legal and policy
activities of the department.
L
P
Cedar St.
Commissioner Hugoson and members of his staff
are responsible for the overall administration
of the Minnesota Department of Agriculture.
The commissioner sets policy direction for
the agency and serves as a spokesperson for
agriculture throughout the state and within the
state’s executive branch. Every two years, the
commissioner and his staff prepare the agency’s
budget and present it to the legislature.
LOT
MDA General Information
Agricultural Marketing Services
• Certification Services
Agricultural Statistics
Agricultural Development and
Financial Assistance
• Agricultural Development and
Serving the State of Minnesota
since 1885
Visit our Internet Home Page
www.mda.state.mn.us
An Equal Opportunity Employer
In accordance with the Americans With Disabilities Act, an
alternative form of communicatin is available upon request.
TTY 1-800-627-3529
File Name: mda brochure.indd
December 2009
Information Technology
Human Resources and Diversity
Laboratory Services
Larry Palmer, Director and CIO
Russ Havir, Director
Gary Horvath, Director
Information Technology provides
department-wide support for desktop software/hardware, LAN/WAN
network connectivity, and graphics
design; performs specialized information technology work in custom software application
development, implementation and support of MDA
critical business processes; provides enhancement,
upgrade and maintenance of existing IT infrastructure;
and provides for technical support staff, software training and coordination for the production of all department licenses.
Human Resources is an administrative support program. Human
Resources provides services in
the areas of recruitment, selection,
personnel transaction processing,
job classification, compensation
administration benefits information and processing,
labor relations, diversity, health/safety promotion and
facilities management.
The Laboratory Services Division
provides microbiological and chemical analysis of samples submitted
by MDA inspectors in order to
determine if the samples meet the
standards established under law, regulation or label.
Additionally, Laboratory Services performs analyses
to fulfill contracts and cooperative agreements with the
USDA, FDA, EPA and other federal and state agencies.
Laboratory Services also provides a certification program for private and commercial dairy-testing laboratories as required by the Pasteurized Milk Ordinance.
Finance and Budget
Steve Ernest, Director
The Finance and Budget Division
is a central service office within the
agency. Services provided include
cashiering, accounting, payroll, auditing, financial reporting, budgeting, legislative fiscal
notes, mail procesing and office supply coordination.
Dairy and Food Inspection
Heidi Kassenborg, Director
This division enforces state laws
and regulations relating to dairy
products, foods, meats, beverages, animal feed, eggs, poultry
and poultry products. Standards
are enforced relating to quality, condition, labeling,
advertising and the sanitation of premises, equipment
and vehicles used in the sale, storage or distribution of
foods and beverages. The division oversees delegation
agreements with metro-area agencies for inspection of
retail food stores. It administers and enforces dairy laws
and regulations designed to protect the general health
and to be of service to the dairy industries. This is accomplished with inspections, sampling and certification
of both Grade A and manufacturing grade farms, plants
and related facilities. Division personnel also investigate citizen complaints relating to questionable food
products. The division also regulates the commercial
feed industry.
Agricultural Statistics
Doug Hartwig, Director
USDA, National Agricultural Statistics Service works in partnership
with the Minnesota Department of
Agriculture. The NASS, Minnesota
Field Office provides Minnesota farmers, agribusinesses, government and the general public with accurate
data on major crops and livestock, farm income, farm
costs and returns and other special agricultural information. The division measures the current and potential
food supply by collection, summarization, analysis and
publication of agricultural statistics at both the state and
county level. Reports are available at: http://www.nass.
usda.gov/mn.
Pesticide and Fertilizer Management
Greg Buzicky, Director
The Pesticide and Fertilizer Management Division regulates pesticides and fertilizers. Activities
include the oversight of agricultural
chemical site remediation, voluntary
cleanups, waste pesticide collection, licensing of applicators, permitting of ag chemical
facilities, inspection of pesticide, fertilizer and lime facilities. Additionally, division staff respond to emergencies, develop and promote best-management practices,
conduct pesticide misuse investigations and monitor
surface and ground water for agricultural chemicals.
Kurt Markham, Director
brings together a number of the
licensing, registration, certification
and marketing functions within
MDA. This division also works
to develop and identify market
opportunities for Minnesota agricultural industries
and products, including alternative fuels, Minnesota
Grown promotions, risk management, commodity
council oversight, marketing education programs,
livestock development and assisting companies with
international marketing activities. In addition, this
includes auditing, licensing and bonding of grain
buyers and grain warehouses; livestock dealers,
markets and agents; and wholesale produce dealers.
Plant Protection
Geir Friisoe, Director
The Plant Protection Division protects Minnesota’s crops and native
plant species through regulatory
programs and support services. The
division certifies, inspects and regulates the nursery and apiary industries to protect against
invasive or exotic pests, and provides certification
services so nursery stock and bee colonies/equipment
meet export requirements. The division inspects and
certifies the seed industry and the seed potato industry.
The division surveys for agricultural and forest pests
and diseases, and has overall responsibility for reducing
or eliminating exotic and invasive plant pests.
Agricultural Development and
Financial Assistance
Peter Scheffert, Director
• Agricultural Development
and Environmental Review
This team works with
stakeholders on the use and
protection of agricultural
working lands and related natural resources;
identifies and demonstrates sustainable agriculture
practices and systems, including environmental
review and planning.
• Sustainable Agriculture and
Integrated Management
This team develops integrated
pest management approaches for
insects, disease, and weed pests;
fosters research and development activities related to technology or information on agricultural environment issues; and works
to develop and diversify Minnesota’s agricultural
products. The team also provides organic production outreach, biological control agent development
including managing the state biocontrol quarantine
research facility, integrated pest management and
sustainable agriculture.
• Agricultural Finance
This team administers loan
programs offered through
MDA and the Rural Finance
Authority (RFA). MDA offers
Agricultural Best Management
Practices (Ag BMP) Loans, Sustainable Agriculture
Grants and Loans, and Manure Digester Loans. RFA
programs include Beginning-Farmer and SellerAssisted Loans, Aggie Bond Loans which provide
financing for ag land puchases, ag improvements,
breeding livestock, and machinery; Livestock
Expansion Loans, Agricultural Improvement Loans,
Debt Restructuring Loans and Value-Added Stock
Loans for the purchase of stock in an agricultural
processing facility.
December 2009
Minnesota Department of Agriculture, Farm Advocates
www.mda.state.mn.us/farmadvocates.aspx
Farm Advocates provide one-on-one assistance for Minnesota farmers who face crisis caused by either
a natural disaster or financial problems. Farm Advocates understand the needs of our agricultural
families and communities. They are trained and experienced in agricultural lending practices,
mediation, lender negotiation, farm programs, crisis counseling, and disaster programs, as well as to
recognize the need for legal and/or social services.
The Farm Advocate Program has been supported by the Minnesota Department of Agriculture since
1984. There is no charge or fee for Farm Advocate assistance. Farm Advocates receive continuing
education in the changing and complex issues of lender policies, bankruptcy laws, mediation, tax laws,
USDA's Farm Service Agency's loan programs, Farm Credit Services and all other government
programs affecting agriculture. The Farm Advocates have developed a network of attorneys,
accountants, human service professionals, educators and other sources of information and services.
Equipped with all these resources, the Farm Advocates share their expertise with others, enabling them
to make informed decisions.
When should you see a Farm Advocate?
• When you are going into mediation.
• When you negotiate with lenders.
• When you are liquidating assets of the farm operation.
• When you need financial information.
• When you suffer a devastating loss, i.e., fire, disease or natural disaster.
• When you receive an adverse decision from a state or federal agency.
• When your open accounts have substantially increased over 12 months.
• When there is a major drop in your equity over a period of 12 months.
• When you are entering into or dissolving a partnership.
• When you want to begin farming.
Farm Advocate Services
Financial Planning
• FINPACK preparation
• Cash flow projections
• Evaluate financial position
• Identify problem areas
• Discuss options
• Debt restructuring
• Provide information on debt resolution
• Assist/prepare loan applications
• Identify financial goals
• Retirement planning
Lender Negotiations
• Mediation planning/sessions
• Farm Service Agency
• Farm Credit Services
• Banks
• Implement dealers
• Other creditors
December 2009
Farm Programs
• Planning
• Application
• Appeals
Legal Services
• Referrals
• Assist in case preparation
Social and Human Services
• Applications
• Appeals
• Referrals
Farm Advocates
Jan Boll - Trail
Home 218-268-4472 / Fax 218-268-4040
Bruce Lubitz - Frazee
Home 218-346-4866
Connie Dykes - Lake City
651-345-5149
David Elliason - Isle
320-676-3559
David Hesse - Comfrey
Home 507-877-3012
Dean Hetland - Eagle Bend
Home 218-738-5374
Dan Hunz - Clear Lake
320-743-5660
Ruth Ann Karty - Clarkfield
Home 320-669-7135
Evelyn Kluender - Bricelyn
Home 507-653-4651
Carol Kobberman - Hancock
Home 320-392-5536
Mary Reierson - Thief River Falls
Area Ag Info Center 218-681-6236 / Home 218-681-7360
December 2009
Minnesota Department of Agriculture, Rural Finance Authority
625 Robert St N
St Paul, MN 55101
(651) 201-6004
www.mda.state.mn.us/agfinance
The Rural Finance Authority (RFA) partners with local lenders to provide affordable credit to eligible
farmers. Loan participations are purchased by the RFA under the following programs: The Basic Farm
and Seller-Assisted help younger and beginning farmers purchase ag land; Agricultural Improvement
finances improvements to the farm for any ag related purpose, such as grain handling facilities,
machine storage and manure systems; Restructure II is to help farmers reorganize their farm debt to
improve cash flow; and Livestock Expansion creates affordable financing for new state-of-the-art
livestock production facilities. Over $150 million has been invested in 2,290 participations by the RFA
in these programs
Basic Farm Loan Program was established to help people who want to farm in Minnesota. The
program offers affordable financing, a reasonable down payment and built-in safeguards, such as farm
management training and financial planning to help minimize the risk all farmers face. This is a
partnership approach backed by the State'
s financial participation. You may finance a purchase or
possibly refinance an existing farm debt. Funding an improvement may be possible if done in
conjunction with the requested financing package.
Eligibility Requirements
A basic farmer is a person who intends, over time, to become a full time farmer. This definition may
exclude some established farmers who are expanding their operations. Land speculators and investors
looking for tax advantages are not eligible.
The farmer candidate must also meet the following eligibility tests which were established to protect
them as well as the lender and the state. A farmer must:
• Be an individual who is a resident of Minnesota, a domestic family farm corporation, or a
family farm partnership.
• Have sufficient education, training or experience to succeed in the type of farming that they
intend to practice.
• Have a total net worth of less than $409,000, (indexed for inflation; please call the RFA for
current limitation) including the assets and liabilities of their spouse and dependents.
• Have the financial need for a loan and the ability to repay the loan.
• Agree to be the principal operator of the farm to be purchased and intend to make farming
their principal future occupation.
• Agree to consult with a local adult farm management instructor and enroll in a farm
business management program approved by the Minnesota Commissioner of Agriculture
for at least the first three years of the loan, if an approved program is available within 45
miles from the borrower'
s residence.
• Agree to consult with a local Board of Water and Soil Resources office or the county
Natural Resources Conservation Service.
• Agree to obtain credit life insurance for the amount of the debt incurred to purchase the
property.
Additional income may be earned off the farm by an eligible family member. The RFA recognizes that
many farm families will need non-farm incomes to supplement farm earnings, especially in the early
years of farm operations.
December 2009
The Seller Assisted Farm Ownership Program is a cooperative financing effort involving a buyer, a
seller, a local lender, and the Minnesota Rural Finance Authority (RFA).
Under this program, each seller actively participates in financing the sale of their farm by providing a
portion of the financing. The lender and the RFA provide the balance of the funds with a first
mortgage. The RFA portion of the total financing is provided at an affordable interest rate which helps
the buyer by reducing the total interest expense of the entire financing. In addition to the affordable
rate financing, the program has built in safeguards such as farm management training and financial
planning.
To be eligible for assistance under the Seller Assisted Program, all applicants must:
• Be an individual who is a resident of Minnesota, a domestic family farm corporation, or a
family farm partnership.
• Certify that they will be the principal operator of the farm, that they will make farming their
principal future occupation, and the farm will be used for agricultural purposes only.
• Have sufficient education, training or experience to succeed in the type of farming to be
undertaken.
• Have a financial need and the ability to repay their loans.
• Agree to enroll and continue in an approved farm business management program for the
first three years of the loan, if an approved program is available within 45 miles of the
borrower'
s residence.
• Agree to consult with a local Board of Water and Soil Resources office or the county
Natural Resources Conservation Service.
• Agree to obtain credit life insurance for the amount of the debt incurred to purchase the
property.
In addition to the above, beginning farmer applicants must have a total net worth of less than $409,000.
(Indexed for inflation. Please call the RFA for current limitation.)
Agricultural Improvement Loan Program is a loan participation program to assist eligible farmers
to finance capital improvements to their farming operation. The program may help to improve
production, efficiency, and increase farm income.
Agricultural improvements mean improvements to a farm, including the purchase and construction or
installation of improvements to land, buildings and other permanent structures. This includes
equipment incorporated in or permanently affixed to the land, buildings, or structures which are useful
for and intended to be used for the purpose of farming. For this program, agricultural improvements
also includes wind energy conversion facilities with an output capacity of one megawatt or less.
The farmer will work through their local lender. If the lender agrees to make a mortgage loan to the
applicant, the lender and applicant will jointly complete an application for RFA participation.
Participation is restricted to loans that do not exceed 80 percent of the appraised value of real estate
comprising the collateral. The RFA must have a completed Master Participation Agreement with the
lender on file. The RFA may participate on a loan up to 45% of the loan principal to a maximum of
$300,000. Loan proceeds may be used to refinance a limited amount of existing debt.
The participation loan may be up to a maximum of 30 years. The loan will have a 10-year balloon.
Collateral for the loan must include a first mortgage on farm real estate, but this does not have to
include the farmstead.
December 2009
The incentive to use the RFA program will be an affordable fixed interest rate for a fixed period of
time. Call the RFA for a quote. There is a $50.00 non-refundable application fee on all loans. The
lender may collect normal closing costs.
The borrower must be a Minnesota resident, a Minnesota domestic family farm corporation or a family
farm partnership. The borrower or one of the borrowers must be the principal operator of the farm. The
borrower may not have a total net worth, which exceeds $409,000 (indexed for inflation).
Livestock Expansion Loan Program is a loan program to assist livestock and dairy producers finance
the construction of state-of-the-art facilities is offered through the Rural Finance Authority (RFA) in
the Minnesota Department of Agriculture.
Livestock expansion means improvements to a livestock operation, including the purchase and
construction or installation of improvements to land, buildings, and other permanent structures,
including equipment incorporated in or permanently affixed to the land, buildings or structures, which
are useful for and intended to be used for the purpose of raising livestock. The purchase of livestock is
NOT an eligible purpose for this program.
The livestock producer will work through their local lender. If the lender agrees to make a mortgage
loan to the applicant, the lender and applicant will jointly complete an application for RFA
participation. Participation is restricted to loans that do not exceed 80 percent of the appraised value of
real estate comprising the collateral. The RFA must have a completed Master Participation Agreement
with the lender on file. The RFA may participate on a loan up to 45% of the loan principal to a
maximum of $400,000. The loan proceeds cannot be used to refinance an existing debt.
Collateral for the loan must include a first mortgage on farm real estate, but this does not have to
include the farmstead.
The incentive to use the RFA program will be an affordable fixed interest rate for a certain period of
time. Call the RFA for a quote. There is a $50 non-refundable application fee on all loans. The lender
may collect normal closing costs.
An applicant must meet the following requirements:
1. Be a Minnesota resident, a Minnesota domestic family farm corporation or a family farm
partnership.
2. At least one of the applicants must be the principal operator of the farm and be actively
engaged in a livestock operation. 3. Have a total net worth not to exceed $772,000 (indexed for inflation, please call the RFA for
The Restructure II Loan Program is designed to help farmers who remain in good credit standing
with their local agricultural lender, but are having trouble with cash flow due to adverse events. Only
debt of an agricultural nature is eligible for refinancing.
The farmer will work through their local lender. If the lender agrees to make a mortgage loan to the
applicant, the lender and the applicant will jointly complete an application for RFA participation.
Participation is restricted to loans that do not exceed 80 percent of the appraised value of real estate
comprising the collateral. Borrower net worth must not exceed $772,000 (indexed for inflation, please
call RFA for current limitation) including the assets and liabilities of their spouse and dependents.
December 2009
The RFA will participate on 45 percent of a qualifying loan up to a maximum of $400,000. The
agricultural lender will retain the balance of the loan. Participating lenders are allowed to charge either
a fixed or adjustable rate. The interest rate on the RFA portion of the loan is fixed. Call the RFA for
the current rate.
Collateral for the loan must include a first mortgage on farm real estate. Terms of the loan will be
determined by the type of debt being restructured.
There will be a $50.00 non-refundable application fee on all loans. The lender may collect normal
closing costs.
An applicant must meet the following requirements:
• Be a resident of Minnesota, a Minnesota domestic family farm corporation, or family farm
partnership.
• Be the principal operator of the farm.
• Not be a current or previous participant in an RFA farm debt reorganization program.
• Have a total net worth that does not exceed $772,000 (indexed for inflation).
• Have received 50% of their gross income from farming over the past three years.
• Have expenses that do not exceed 95 percent of income.
• Meet with local SWCD official.
The Livestock Equipment Pilot Loan Program is designed to help finance the purchase of livestock-
related equipment. Loans may be used for the acquisition of equipment for animal housing, confinement, animal feeding, milk production and waste management. This is a loan participation program available through the Rural Finance Authority (RFA). Farmers
will work through their local lender. Upon completion of an application, the lender will apply for RFA
participation. The RFA must have a completed Master Participation Agreement with the lender on file. Eligibility Requirements
The farmer candidate must meet the following criteria:
• Be a resident of Minnesota or general partnership or a family farm corporation, authorized farm
corporation, family farm partnership, or authorized farm partnership as defined in section
500.24, subdivision 2;
• Be the principal owner of the livestock for which the equipment will be used;
• Demonstrate an ability to repay the loan;
• Have a total net worth of less than $409,000, (indexed for inflation; please call the RFA for
December 2009
Rural Finance Authority
Loan Comparison Chart
Requirements
Basic Farm and
Seller Assisted****
Loan Programs
Aggie Bond
Beginning Farmer
Program
Agricultural
Improvement
Program
Residency:
Farm location:
Maximum net worth:
Minnesota only
Minnesota only
$409,000
Minnesota only
Minnesota only
$409,000
Loan purposes:
Real estate
Security required:
1st real estate mortgage filed by
local lender. Additional $$ help
by the seller.****
10% minimum. Lender may
require higher down payment.
Seller may help.****
RFA - Call for current quote.
Lender-negotiate.
Seller-negotiate.****
No limits - but RFA participation
45% of 1st mortgage to a max of
$300,000.
Minnesota only
Minnesota only
$409,000, also can never have
owned more than 30% of the
county median size farm.
Purchase animals, machinery, real
estate or to make an improvement.
(No refinancing)
Secured as lending entity requires.
Equity required:
Interest rate:
Loan amounts:
Sales between related persons?
Off-farm income okay?
Must show adequate
management skills?
Must be or become a full time
farmer?
Must farm unit?
Must contact local SWCD
office?
Must purchase insurance?
Must attend farm management
classes?
RFA Fees:
Yes
Yes
Negotiated with lending entity.
Any physical improvement to
farm operation. (Limited
refinancing)
1st real estate mortgage.
Mortgage does not need to cover
the entire farm.
Negotiated with Lender and RFA.
Reduced interest rate for buyer and RFA - Call for current quote.
tax benefit for lender.
Lender-negotiate.
$470,100 max.; $62,500 max. for No limits - but RFA participation
used depreciable assets; $250,000 45% of 1st mortgage to a max of
for new depreciable farm property. $300,000.
(The RFA does not participate.)
Yes, bank financing only.
N/A
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Permits required?
Yes
Recommended
Recommended
Yes
$50 app fee
(non-refundable)
Yes
$50 app fee
(non-refundable)
plus the following:
$20/40/60/80/100 allo. fee
1.5% loan orig. fee
An Equal Opportunity Employer and Provider
fl TDD:
N/A
$50 app fee
(non-refundable)
1-800-627-3529
10/09
December 2009
Loan Comparison Chart - continued
Requirements
Restructure
II
Program
Livestock
Expansion
Program
Residency:
Location of property:
Maximum net worth:
Income requirements:
Minnesota only
Minnesota only
$772,000
50% avg annual gross income
from farming. Positive cash flow.
Loan purposes:
Restructure existing ag debt only.
Security required:
1st real estate mortgage.
Equity required:
Negotiated per RFA guidelines.
Interest rate:
RFA - Call for current quote.
Lender-negotiate.
Loan amounts:
45% of 1st mortgage to a max of
$400,000.
Yes
Off-farm income okay?
Must show adequate
management skills?
Farm full time?
Must farm unit?
Must contact local SWCD
office?
RFA Fees:
Yes
Yes
Yes
Yes
$50 application fee
(non-refundable)
Livestock Equipment
Pilot Loan
Program
Same
Same
$772,000
Demonstrate ability to repay the
loan.
Same
Same
$409,000
Same
Same
Same
No limit - but RFA participation
45% of mortgage to a max of
$400,000.
Yes
3% fixed
45% of equipment loan to a max
of $40,000.
Yes
Same
Construct NEW, efficient livestock Purchase livestock related
facilities. (No refinancing).
equipment. (No refinancing).
Equipment purchased, Security
Same
Agreement.
Yes
Yes
Yes
Yes
Permits required?
$50 app fee
(non-refundable)
Yes
Yes
Yes
N/A
$50 app fee
(non-refundable)
WEB SITE: Further information on these programs, including current interest rates and application forms, can be
viewed and printed off our web site located at: http://www.mda.state.mn.us/agfinance
FOR ADDITIONAL INFORMATION, CONTACT THE RFA STAFF AT:
OR WRITE:
Gary Blahosky, Sr. Financial Officer, 651-201-6666 - [email protected]
Lori Schmidt, Office Manager, 651-201-6556 - [email protected]
Peter Braun, Loan Technician, 651-201-6602 - [email protected]
Peter Scheffert, Executive Director, 651-201-6486 - [email protected]
Toll Free Number: 1-800-366-8927
Minnesota Department of Agriculture
Rural Finance Authority
625 Robert Street North
St. Paul, MN 55155-2538
Fax: 651-201-6109
December 2009
Minnesota Department of Employment and Economic Development, WorkForce Centers
www.mnworkforcecenter.org/careers.htm
1-888-438-5627 (Job Seekers)
Services offered at Minnesota WorkForce Centers are available to everyone, including those who are
transitioning from one job to another, school to work and welfare to work situations, or who are
entering into formal work for the first time. The services listed below can be customized to meet
specific needs. Currently there are 47 WorkForce Centers in operation.
Business Services
• Self-service job listings on MinnesotaWorks
• Resume searches on MinnesotaWorks
• Job screening and computerized skills matching
• Job-Skills Analysis of position duties and tasks
• Employer Committees
• Labor Market Information
• Special programs, such as Shared Work and Bonding
• Tax Credits for employers
• Conferences and training seminars for employers
• Veterans Employment Representatives
• Plant Closings and Mass Layoffs
• Job/Career Fairs
Job Seeker Services
• Career interest, skills, and values assessment
• Training in job search and job-keeping skills
• Resume Preparation and Interviewing Workshops
• Use of computers and laser printers for resume writing
• Internet access
• Software and tutorials including Microsoft Word, keyboarding, etc.
• Local, state and national Job Openings
• Resource Area library with books, videos, directories, audio tapes, periodicals
• Labor Market Information, i.e., research high-demand and wages for specific occupations in
Minnesota and nationally
• Access to fax and telephone for employer contact
• Specialized services for persons with disabilities
• Links with post-secondary education
• Financial aid, community, supportive services, and other training information
Statewide Listing of WorkForce Centers
Albert Lea Skyline Mall
1649 W. Main Street
Albert Lea, 56007-1868
Phone: 507.379.3409
Fax: 507.379.3413
TTY: 507.379.3409
Hours: 8:00 a.m. - 4:30 p.m., Monday – Friday
December 2009
Alexandria 303 22nd Avenue W, Suite 107
Alexandria, 56308
Phone: 320.762.7800
Fax: 320.762.7530
TTY: 320.762.7805
Anoka County Anoka County Human Services Building
1201 89th Avenue N.E., Suite 235
Blaine, 55434-3372
Phone: 763.783.4800
Fax: 763.783.4814
TTY: 763.785.5987
Hours: 7:30 a.m. - 6:30 p.m., Monday – Thursday
Friday 7:30 a.m. to 4:30 p.m.
Austin Riverland Community College
1600 8th Ave NW
Austin, 55912-1400
Phone: 507.433.0555
Fax: 507.433.0591
TTY: 507.433.0556
Bemidji 616 America Avenue NW, Suite 210
Bemidji, 56601
Phone: 218.333.8200
Fax: 218.755.4458
TTY: 218.755.4422
Brainerd 204 Laurel Street, Suite 21
Brainerd, 56401
Phone: 218.828.2450
Fax: 218.828.6194
TTY: 218.855.5030
Cambridge Cambridge City Center
140 Buchanan St, Suite 152
Cambridge, 55008
Phone: 763.279.4492
Fax: 763.689.7140
TTY: Use MN Relay - 711
December 2009
Cloquet 715 Cloquet Avenue
Cloquet, 55720-1629
Phone: 218.878.4414
Fax: 218.878.4409
TTY: 218.878.4414
Crookston 1730 University Avenue
Crookston, 56716-1112
Phone: 218.281.6020
Fax: 218.281.6025
TTY: 218.281.6020
Dakota County-Northern Area 1 Mendota Road W, Suite 170
West St Paul, 55118
Phone: 651.554.5955
Fax: 651.554.6565
TTY: 651.554.5914
Dakota County-Western Area Southcross Commerce Center IV
2900 W County Road 42, Suite 140
Burnsville, 55337
Phone: 952.895.7600
Fax: 952.895.7660
TTY: 952.895.7661
Detroit Lakes Roosevelt Building
801 Roosevelt Avenue
Detroit Lakes, 56501-3703
Phone: 218.846.7379
Fax: 218.846.0773
TTY: 218.846.0772
Duluth Government Services Center
320 W 2nd Street, Suite 205
Duluth, 55802
Phone: 218.723.4730
Fax: 218.723.4734
TTY: 218.723.4725
Fairmont 412 South State Street
Fairmont, 56031
Phone: 507.235.5518
Fax: 507.238.4214
TTY: 507.235.5518
December 2009
Faribault Faribo Town Square
201 Lyndale Avenue S, Suite 1
Faribault, 55021-5758
Phone: 507.333.2047
Fax: 507.332.5487
TTY: 507.333.2047
Fergus Falls Lincoln Center
125 W Lincoln Avenue, Suite 1
Fergus Falls, 56537
Phone: 218.739.7560
Fax: 218.739.7496
TTY: 218.739.7287
Grand Rapids Itasca Resource Center
1215 SE 2nd Avenue
Grand Rapids, 55744-3982
Phone: 218.327.4480
Fax: 218.327.4179
TTY: 218.327.4480
Hennepin North 7115 Northland Terrace N, Suite 100
Brooklyn Park, 55428
Phone: 763.536.6000
Fax: 763.536.6001
TTY: 763.536.6005
Hennepin South 4220 Old Shakopee Road W
Bloomington, 55437-2949
Phone: 952.346.4000
Fax: 952.346.4042
TTY: 952.346.4043
Hibbing 3920 13th Avenue E
Hibbing, 55746-0068
Phone: 218.262.6777
Fax: 218.262.7316
TTY: 218.262.6777
Hutchinson Ridgewater College
2 Century Avenue SE
Hutchinson, 55350-0550
Phone: 320.587.4740
Fax: 320.234.7769
TTY: 320.587.4740
December 2009
International Falls Rainy River Community College
1501 Highway 71, SC 128
International Falls, 56649
Phone: 218.283.9427
Fax: 218.283.4042
TTY: 218.283.9427
Litchfield Meeker County Family Services Building
114 N. Holcombe Avenue, Suite 170
Litchfield, 55355-2273
Phone: 320.693.2859
Fax: 320.693.9146
TTY: 320.693.2859
Closed from 12:00 noon to 1:00 p.m. daily
Little Falls Coborns Complex
315 12th Street NE
Little Falls, 56345-2910
Phone: 320.616.2400
Fax: 320.616.2424
TTY: 800.627.3529
Hours: 8:00 a.m. - 5:00 p.m., Monday - Friday
Open until 8:00 p.m. every Wednesday
Mankato Mankato Place
12 Civic Center Plaza, Suite 1600A
Mankato, 56001-7796
Phone: 507.389.6723
Fax: 507.389.2708
TTY: 507.389.6512
Marshall Lyon County Courthouse
607 W Main Street
Marshall, 56258
Phone: 507.537.6236
Fax: 507.537.6362
TTY: 507.537.6237
Minneapolis North 1200 Plymouth Avenue N
Minneapolis, 55411-4085
Phone: 612.520.3500
Fax: 612.520.3530
TTY: 612.302.7061
December 2009
Minneapolis South 777 E Lake Street
Minneapolis, 55407-1546
Phone: 612.821.4000
Fax: 612.821.4014
TTY: 612.821.4013
Montevideo 202 North 1st Street
Montevideo, 56265
Phone: 320.269.8819
Fax: 320.269.5696
TTY: 320.269.8819
Monticello 406 E 7th St
PO Box 720
Monticello, 55362-0720
Phone: 763.271.3700
Fax: 763.271.3701
TTY: 763.271.3745
Moorhead Clay County Family Service Center
715 11th Street N, Suite 302
Moorhead, 56560-2086
Phone: 218.287.5060
Fax: 218.299.5871
TTY: 218.236.2001
Mora 903 Forest Avenue E
Mora, 55051-1431
Phone: 320.679.6484
Fax: 320.679.6495
TTY: 320.679.6494
New Ulm 1618 S. Broadway Street
New Ulm, 56073-3756
Phone: 507.354.3138
Fax: 507.354.6997
TTY: 507.354.3138
Owatonna 631 Cedar Avenue N
Owatonna, 55060
Phone: 507.446.1470
Fax: 507.446.1480
TTY: 507.446.1470
December 2009
Ramsey County-North St. Paul McKnight 36 Plaza
2098 11th Avenue E
North St Paul, 55109-5100
Phone: 651.779.5666
Fax: 651.779.5646
TTY: 651.779.5223
Ramsey County-St. Paul 540 Fairview Ave N
St Paul, 55104
Phone: 651.642.0363
Fax: 651.642.0706
TTY: 651.642.0679
Red Wing 1606 W Third Street
Red Wing, 55066
Phone: 651.385.6480
Fax: 651.385.6484
TTY: 651.385.6404
Rochester 300 11th Avenue NW, Suite 112
Rochester, 55901
Phone: 507.285.7315
Fax: 507.280.5523
TTY: 507.280.3584
Scott County 752 Canterbury Road S
Shakopee, 55379
Phone: 952.445.7087
Fax: 952.403.7995
TTY: 952.403.7999
St. Cloud 1542 Northway Drive, Door 2
PO Box 67
St Cloud, 56302-0067
Phone: 320.308.5320
Fax: 320.308.5173
TTY: 320.308.6434
Thief River Falls 1301 Highway 1 E
Thief River Falls, 56701-2500
Phone: 218.681.0909
Fax: 218.681.0913
TTY: 800.627.3529 (Minnesota Relay System)
December 2009
Virginia Olcott Plaza
820 N. 9th Avenue, Suite 250
Virginia, 55792-2345
Phone: 218.748.2200
Fax: 218.748.2288
TTY: 218.748.2222
Wadena 124 1st Street SE, Suite 2
Wadena, 56482-1538
Phone: 218.631.7660
Fax: 218.631.7676
TTY: 218.631.7677
Washington County 2150 Radio Drive
Woodbury, 55125
Phone: 651.275.8650
Fax: 651.275.8682
TTY: 651.275.8653
Willmar Kandiyohi County Health and Human Service Building
2200 23rd Street N.E., Suite 2040
Willmar, 56201-9423
Phone: 320.231.5174
Fax: 320.231.6054
TTY: 320.231.5174
Winona Minnesota State College - Southeast Technical
1250 Homer Road, Suite 200
Winona, 55987-4897
Phone: 507.453.2920
Fax: 507.453.2960
TTY: 507.453.2930
Worthington 318 9th Street
Worthington, 56187-2342
Phone: 507.376.3116
Fax: 507.376.3630
TTY: 507.376.3116
Hours: 8:00 a.m. - 4:30 p.m., Monday - Friday
December 2009
Minnesota State Colleges and Universities, Farm Business Management Education Programs
www.fbm.mnscu.edu
Richard Joerger, PhD
System Director for Agriculture and Business Program Coordination
Minnesota State Colleges and Universities
Office of the Chancellor
Wells Fargo Place
30 7th Street East, Suite 350
Saint Paul, MN 55101-7804
[email protected]
Office Telephone 651-297-1484
Cell: 612-219-7953
Office FAX is 651-296-3214
Farm Business Management (FBM) Education Programs in Minnesota are available through the
Minnesota State Colleges and Universities (MnSCU). These programs are administered through 8
college campuses with 85 different sites across the state. FBM Programs are designed to provide
education to farm owners and operators or persons interested in farming. The purpose of the program
is to assist students in meeting their business and personal goals. This is best accomplished through the
use of quality records and sound business decisions. Effective financial management in the business is
the best way for the business to maintain that competitive edge.
FBM College Contacts:
NORTHWEST REGION
Local Program Administrator
Ron Dvergsten
Northland Community and Technical College
1101 Highway One East
Thief River Falls, MN 56701
Office: (218) 681 - 0797
Cell: (218) 686-5448
Toll Free: (800) 959 - 6282 Ext. 1797
Fax: (218) 681 - 0871
[email protected]
NORTHEAST/EAST CENTRAL REGION
DelRay Lecy
Central Lakes College
1830 Airport Road
Staples, MN 56479
Office: (218) 894-5164
Cell: (218) 820-9976
Toll Free: (800) 247-6836
Fax: (218) 894-5165
[email protected]
WEST CENTRAL REGION
December 2009
Jim Molenaar
Ridgewater Community and Technical College
2101 15th Avenue Northwest
Willmar, MN 56201
Office: (320) 222 - 5211
Cell: (320) 979-9222
Toll Free: (800) 722 - 1151
Fax: (320) 231 - 7676
[email protected]
SOUTHWEST REGION
Al Brudelie
Minnesota West Community and Technical College
401 West Street
Jackson MN 56143 Office: (507) 847-7928
Cell: (507) 360-3182
Toll Free: (800) 658-2522, ext. 7928
Fax: 507-847-5389
[email protected]
SOUTH CENTRAL REGION
Al Brudelie
South Central Technical College
1920 Lee Blvd. , Box 1920
North Mankato, MN 56002-1920
Office: (507) 389 - 7264
Cell: (507) 360-3182
Toll Free: (800) 722 - 9359
Fax: (507) 388 - 9951
[email protected]
SOUTHEAST REGION
Eric Deters, Program Director
Riverland Community College
Austin, MN 55912
Office: (507)433-0614
Cell: (507)259-6262
Toll Free:(800)247-5039
FAX (507)789-8812
[email protected]
Lamb and Wool Management Program
The Lamb and Wool Management Program is concerned with developing the sheep enterprise
operators ability to organize and manage resources to meet family and business goals. Good
management requires a sound knowledge of economic and scientific principles because they are the
framework for a profitable sheep enterprise. Good management provides a perspective that considers
the relationship of all parts to the whole farm business. Good sheep management requires knowledge
of sheep production practices and animal science, as well as new technology developments in the field.
December 2009
Minnesota West Community and Technical College
Dean of Management Education
Al Brudelie
401 West St. Box 269
Jackson MN 56143
Office: (507) 847-7928
Cell: (507) 360-3182
Toll Free: (800) 658-2522, ext. 7928
Fax: 507-847-5389
[email protected]
Specialty Crops Management
The Specialty Crops Management Program is designed to provide training in management skills and
production technology needed to achieve success in the production and sale of fruits, vegetables,
ornamentals and other specialty crops. The Specialty Crops Management Program is concerned
with the development of a persons knowledge of economics, management, and scientific principles
and using them in a profit oriented decision making process that enables them to meet their business
and personal goals.
Northland Community and Technical College
Dean of Management Education
Ron Dvergsten
Office: (218) 681 - 0797
Cell: (218) 686-5448
Toll Free: (800) 959 - 6282 Ext. 1797
FAX (218) 681 - 0871
[email protected]
December 2009
Rural Mental Health Program
Farm Business Management
The Rural Mental Health Program is a multi-faceted approach to addressing the importance
of mental health in helping farm families achieve their business and family goals. Ted Matthews,
Program Director, has worked with rural issues in counseling for nearly 30 years. He has been
director of mental health services during two natural disasters in the 1990's. Ted has provided
crisis outreach training in several states. He also has extensive counseling experiences in the
areas of PTSD, crisis intervention, family issues, suicidology and domestic abuse.
The Rural Mental Health Program seeks to reduce the mounting stress, anxiety and
depression experienced by farmers, Farm Business Management Instructors, farm service
providers, and their respective families. Many situations cause stress and anxiety. The object of
the Rural Mental Health Program is to create an appropriate help network, thereby reducing the
overall stress and anxiety on all parties.
The program is operated through the Ridgewater College Farm Business Management
Program. The Rural Mental Health Program compliments the array of services already available
to farmers and farm families through the Farm Business Management program.
For more information, contact:
Ted Matthews
Rural Mental Health Program Director
6 East State Highway 8
Morris, MN 56267
320-585-5671 (office)
320-266-3290 (cell)
[email protected]
Jim Molenaar
Dean of Management Programs
Ridgewater Community and Technical College
Willmar, MN 56201
320-222-5211 (office)
320-979-9222 (cell)
[email protected]
December 2009
Farm Business Management Instructors
December 2009
Name
Office Location
Address
Eric Deters
30 - 7th Street East, Suite 350
Office of the Chancellor St. Paul, MN 55101-7804
Northland College 1830 Airport Road, PO Box 99
Staples, MN 56479
2101 - 15th Ave. NW
Willmar, MN 56201
Ridgewater College
401 West Street, PO Box 269
South Central & MnWest Jackson, MN 56143
602A - 2nd Street
Kenyon, MN 55946
Riverland College
Barry Kurtz
Riverland College
Dan Hoffman
Riverland College
Dave Marr
Riverland College
Gary Thome
Riverland College
John Hobert
Riverland College
Rex Quam
Riverland College
Eric Deters
Riverland College
Wayne Pike
Riverland College
Pauline Van Nurden
Riverland College
Tom Anderson
Riverland College
Jack LaValla
Riverland College
Jennifer Smith
Riverland College
Dan Miller
Riverland College
Al Roesler
South Central College
Kirk Roe
Brad Augustin
Gene Kuntz
Douglas Wertish
Mark Wehe
Dick Joerger
Ron Dvergsten
DelRay Lecy
Jim Molenaar
Al Brudelie
Box 246
Adams, MN 55909
4207 Arbor Lane NW
Rochester, MN 55901
1900 Eighth Ave. NW
Austin, MN 55912
1900 Eighth Ave. NW
Austin, MN 55912
602A 2nd St.
Kenyon, MN 55946
602A 2nd St.
Kenyon, MN 55946
602A 2nd St.
Kenyon, MN 55946
6540 - 65 St. NE
Rochester, MN 55906
122 E. McKinley
Owatonna, MN 55060
Box 423
Plainview, MN 55964
PO Box 732
St. Charles, MN 55972
602A 2nd St.
Kenyon, MN 55946
819 N. Broadway
Spring Valley, MN 55975
415 So. Grove, Suite 3
Blue Earth, MN 56013
415 So. Grove, Suite 3
Blue Earth, MN 56013
PO Box 38
Fairfax, MN 55332
1225 S.W. 3rd Street
Faribault, MN 55021
Faribault, MN 55021
Faribault, MN 55021
Telephone
Number
Email
651-297-1484
[email protected]
218-683-8747
[email protected]
218-894-5164
[email protected]
320-222-5211
[email protected]
507-847-7928
[email protected]
507-259-6262
[email protected]
507-438-2126
[email protected]
507-421-7167
[email protected]
641-398-2847
[email protected]
507-433-0617
[email protected]
507-789-8801
[email protected]
507-789-8801
[email protected]
507-789-8801
[email protected]
866-324-5588
[email protected]
507-444-7950
[email protected]
507-534-1214
[email protected]
507-932-8013
[email protected]
507-789-8801
[email protected]
507-346-7875
[email protected]
507-526-2894
[email protected]
507-526-5380
[email protected]
507-426-8355
[email protected]
507-332-5845
[email protected]
507-332-5837
[email protected]
507-332-5836
[email protected]
December 2009
Name
Office Location
Myron Oftedahl
Paul Gorman
Tina Standtherr
�ra Beckman
Richard Baumann
Robin Schwieger
John Woodford
Todd Stencel
Address
1621 - 16th Street East
Glencoe, MN 55336
1920 Lee Blvd.
No. Mankato, MN 56002-1920
1920 Lee Blvd.
No. Mankato, MN 56002-1920
1720 West 195th Street
Jordan, MN 55352
PO Box 608
New �lm, MN 56073
Nicollet High School, PO Box 46
New �lm, MN 56074-0046
400 4th Ave. S.W.
Sleepy Eye, MN 56085
PO Box 9
Waldorf, MN 56091
Telephone
Number
Email
320-864-2633
[email protected]
507-389-7288
[email protected]
507-389-7391
[email protected]
952-492-2141
[email protected]
507-354-7836
[email protected]
507-225-3109
[email protected]
507-794-4241
[email protected]
507-461-3146
[email protected]
507-223-7252
[email protected]
507-223-7252
[email protected]
320-226-1003
[email protected]
507-847-7982
[email protected]
507-847-7937
[email protected]
507-776-2974
kent�[email protected]
Kent Janssen
1011 First Street West
MN West Comm. & Tech. Canby,
CollegeMN 56220
1011 First Street West
MN West Comm. & Tech. Canby,
CollegeMN 56220
1593 - 11th Avenue
MN West Comm. & Tech. Granite
College Falls, MN 56241
MN West Comm. & Tech. Jackson,
College MN 56143
MN West Comm. & Tech. Jackson,
College MN 56143
401 E. First St. South
MN West Comm. & Tech. Truman,
College MN 56088
Paul Bartz
MN 56178
MN West Comm. & Tech. Tyler,
College
507-247-5913
[email protected]
Larry Griffin
MN West Comm. & Tech. Welcome,
College MN 56181
507-728-8400
larry�[email protected]
Robert Roesler
MN West Comm. & Tech. Welcome,
College MN 56181
507-728-8400
bob�[email protected]
320-762-4503
[email protected]
320-528-2659
[email protected]
320-254-8068
[email protected]
Dennis Schroeder
Troy Otto
Tim Radermacher
Chad Benda
Mike Dierks
Bill Januszewski
Deron Erickson
Mike Mastey
Richard Bonde
Kurt Schoephoerster
Paul Filzen
Shawn Meyer
Kevin Hansen
Bob Stommes
Dan Perkins
1601 Jefferson Street
Alexandria, MN 56308-3799
Alexandria Technical College
W. Co Rd. 2
Barrett,
MN 56311
Ridgewater Comm. & Tech.
College
PO Box 36, 405 Washburn Ave.
Belgrade,
College MN 56312
1400 Montana Ave.
Benson,
CollegeMN 56215
848 Chestnut St.
Dawson,
CollegeMN 56232
Two Century Avenue
Hutchinson,
College MN 55350
Two Century Avenue
Hutchinson,
College MN 55350
4539 - 368th Ave.
Montevideo,
College MN 56265
PO Box 44
Melrose,
CollegeMN 56352
6 East State Hwy 28
Morris,
MN 56267
College
320-843-2710 ext. [email protected]
1146
320-769-2710
[email protected]
320-234-8558
[email protected]
320-234-8557
[email protected]
320-752-4505
[email protected]
320-256-4340
[email protected]
320-589-3323
[email protected]
December 2009
Name
Office Location
Address
�ach Rada
701 So. Ninth St.
Olivia,
MN 56277
College
200 Trojan Drive
Ortonville,
College MN 56278
1540 Northway Drive
St. Cloud Tech. College St. Cloud, MN 56303-1240
1540 Northway Drive
St. Cloud Tech. College St. Cloud, MN 56303-1240
2101 - 15th Ave. NW, Box 1097
Willmar,
CollegeMN 56201
Jim Takala
Nathan Converse
Lee Todnem
Bob Rick
Keith Olander
Steve �enk
Tim Holtguist
Brad Burklund
Ken Thiesen
Mark Berg
Thaddeus McCamant
Paul Ramsey
Betsy Jensen
Paul Oehlke
Jon Christensen
Doug Fjerstad
Rick Morgan
Greg Tullis
Greg Kalinoski
Dave Grafstrom
Greg Dvergsten
Dannie Packard
Mike Lockhart
Randy �immerman
9281 Hwy 37
�ron, MN 55751
Morrison County Hist. Courthouse
Little Falls, MN 56345
Milaca High School
Milaca, MN 56353
1830 Airport Road
Staples, MN 56479
1830 Airport Road
Staples, MN 56479
916 Washington Ave., Suite 2
Northland Comm. & Tech.Detroit
CollegeLakes, MN 56501
916 Washington Ave., Suite 4
Northland Comm. & Tech.Detroit
CollegeLakes, MN 56501
420 Crocker Avenue North
River Falls, MN 56701
Northland Comm. & Tech.Thief
College
2022 Central Ave. NE
Grand Forks, MN 56721
Northland Comm. & Tech.East
College
125 W Lincoln Drive, Suite 6
Falls, MN 56537
Northland Comm. & Tech.Fergus
College
Box 608, 714 Joseph Street
Northland Comm. & Tech.Hawley,
CollegeMN 56549
209 Second Street N.W., Suite 3
Northland Comm. & Tech.Fosston,
College MN 56542
810 4th Ave S, Townsite Ctr, 144
Northland Comm. & Tech.Moorhead,
College MN 56560
810 4th Ave S, Townsite Ctr, 144
Northland Comm. & Tech.Moorhead,
College MN 56560
2606 Wheat Drive
Lake Falls, MN 56750
Northland Comm. & Tech.Red
College
121 Center Street East
Northland Comm. & Tech.Roseau,
CollegeMN 56751
College
College
5 Northwest 1st Street, PO Box 56
MN 56585
Northland Comm. & Tech.�len,
College
5 Northwest 1st Street, PO Box 56
MN 56585
Northland Comm. & Tech.�len,
College
Telephone
Number
Email
320-523-5468
[email protected]
320-839-6181
[email protected]
320-308-5033
[email protected]
320-308-5925
[email protected]
320-222-7561
[email protected]
218-744-1162
[email protected]
218-296-1272
[email protected]
320-982-7205
[email protected]
218-894-5169
[email protected]
218-894-5163
[email protected]
218-849-4337
[email protected]
218-841-9709
[email protected]
218-686-4250
[email protected]
218-689-5375
[email protected]
218-739-7670
[email protected]
218-483-3498
[email protected]
218-435-6656
[email protected]
218-299-5827
[email protected]
218-299-5863
[email protected]
218-253-4208
[email protected]
218-463-1071
[email protected]
218-683-8751
[email protected]
218-683-8749
[email protected]
218-596-8150
[email protected]
218-596-8150
[email protected]
December 2009
United States Department of Agriculture, Farm Service Agency (FSA), Minnesota State Office
375 Jackson Street, Suite 400
St. Paul, MN 55101
Phone 651-602-7700
Fax 651-602-7743
www.fsa.usda.gov/mn
Farm Loan Programs
FSA offers a variety of loan programs for farmers which are all based on eligibility. Each county has a
FSA and all producers should contact their local county office loan manager for assistance and/or loan
application packet. The following is a short review of the loans available to farmers who qualify.
Guaranteed Farm Ownership Loan
A loan made by another lender and guaranteed by FSA to eligible applicants to purchase, enlarge, or
make capital improvements to family farms, promote soil and water conservation and protection or to
refinance farm debt. The maximum loan amount is $949,000 (for FY 2008).
Guaranteed Operating Loan
A loan made by another lender and guaranteed by FSA to an eligible applicant to assist with the
financial costs of operating a farm. Authorized uses of loan funds include financing the purchase of
farm equipment or livestock, paying for annual operating expenses and refinancing farm operating
debts. The maximum loan amount is $949,000 (for FY 2008).
Beginning Farmer Down Payment Loan
A type of farm ownership loan with special rates and terms made to Beginning Farmers to finance a
portion of a real estate purchase. FSA finances 40% of the cost, 10% is paid for by the applicant and
50% is financed by either a Contract for Deed or by a commercial lender (possibly with a Guarantee).
Direct Farm Ownership Loan
A FSA loan made to a farmer to purchase, enlarge, or make capital improvements to family farms, or
to promote soil and water conservation and protection. The maximum loan amount is $200,000. The
FSA loan can be combined with another lender'
s loan to finance costs that total over $200,000.
Direct Operating Loan
A FSA loan made to a farmer to assist with the financial costs of operating a farm. Authorized uses of
loan funds include financing the purchase of farm equipment or livestock, paying for annual operating
expenses and refinancing farm operating debts. The maximum loan amount is $200,000.
Emergency Farm Loans
Emergency Loans are available to eligible applicants who have incurred substantial financial losses
from a disaster. The maximum outstanding Emergency loan amount is $500,000.
Youth Loans
A FSA loan to eligible rural youth applicants (age 10-21) to finance a modest income-producing
agricultural project. The maximum loan amount is $5,000.
December 2009
UNITED STATES DEPARTMENT OF AGRICULTURE
FARM SERVICE AGENCY
Minnesota State Office
375 Jackson Street, Suite 400
Saint Paul, MN 55101-1828
Voice: (651) 602-7700
Fax: (651) 602-7743
www.fsa.usda.gov/mn
USDA Farm Service Agency Minnesota’s Agricultural Lender of First Opportunity FSA offers Minnesota’s family farmers access to credit through a wide variety of farm loan programs.
Our knowledgeable staff specializes in tailoring our loan products to meet the needs of your operation.
Beyond access to financing, we are the industry leaders in supervised credit. This means we help famers
and ranchers with farm planning, credit counseling, financial planning, and farm and financial
education throughout the term of the loan.
FSA offers a wide spectrum of lending options that can be tailored to an individual’s situation. We can
make direct fixed rate farm ownership loans (FO) and fixed rate farm operating loans (OL) in amounts
up to $300,000. We can also work with the borrower’s local agricultural lender to guarantee
commercial credit for both operating and ownership loans of up to $1,112,000.
Your situation is unique. Contact your local FSA Service Center to speak to a local loan officer.
Direct Loans
Guaranteed Loans
BF/SDA/Down
Payment FO
EM
OL
FO
Real
Estate
Purchase
Real Estate
Recovery from
Natural
Disaster
Annual
operating
expense,
Livestock,
Equipment
Real
Estate
$5,000
$300,000
45% of Purchase
or $225,000
whichever is less
$500,000
$1,112,000
OL & FO Combination
Regular
2.875%
Regular
2.875%
Regular
4.625%
1.5%
3.750%
Set by lender
Terms
1 year for
Annual
Operating, Up
to 7 years for
Livestock and
Equipment
1 year for
Annual
Operating, up
to 7 years for
Livestock and
Equipment
Up to 40
years
5% cash down,
45% FSA 20
years, 50% other
credit 30 year
amortization,
can balloon after
20 years
Primary
Security
Crops
Livestock
Equipment
Crops
Livestock
Equipment
Real
Estate
Real Estate
Normally, on
Chattel1-7
years, on Real
Estate 20-30
years but not
more than 40
years
Chattels
and/or
Real Estate
OL
OL-Youth
Loan
Purpose
Annual
operating
expenses,
Livestock,
Equipment
Agricultural
Income
producing
youth project
Maximum
Amount
$300,000
Interest
Rates
FO
1 year for Annual
Operating, -Up to
a 5 year line of
credit, Up to 7
years for
Livestock and
Equipment
Crops
Livestock
Equipment
Up to
40
years
Real
Estate
*Rates are fixed for the term of the loan but are subject to change. Interest rates are as of 12/01/2009.
The United States Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where
applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual’s
income is derived from any public assistance programs. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication
of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, write
USDA, Director, Office of Civil Rights, 1400 Independence Avenue, SW, Washington, DC 20250-9410 or call (800) 795-3272 (voice) or (202)-720-6382 (TDD). USDA is an equal
opportunity provider and employer.
December 2009
For more information concerning USDA FSA Farm Loan Programs, please contact your local USDA Service Center. Farm Loan Credit Teams are headquartered in the following locations: USDA Service
Center by
County
Aitkin
Becker
Blue Earth
Clay
Clearwater
Douglas
East Polk
Fillmore
Freeborn
Kanabec
Kittson
Lyon
Marshall
Martin
McLeod
Meeker
Morrison
Nobles/Murray
Norman
Olmsted
Pennington
Redwood
Roseau
Stearns
Swift
Wadena
West Otter Tail
West Polk
Phone
Street Address
City
Zip
218-927-2912
218-847-9392
507-345-4651
218-233-7773
218-694-6584
320-763-3191
218-563-3615
507-765-3892
507-373-7960
320-679-2080
218-843-2692
507-537-1401
218-745-4251
507-235-6661
320-864-5178
320-693-2854
320-632-5477
507-376-6194
218-784-4000
507-282-6153
218-681-1612
507-637-5735
218-463-2452
320-251-7800
320-842-7201
218-631-2876
218-739-4694
218-281-2809
130 Southgate Dr
809 8th Street SE
1160 Victory Dr, Suite 1
1506 30th Ave S, Suite A
312 Main Ave N, Suite 2
900 Robert St NE, Suite 101
240 Cleveland Ave SW
413 Farmers St NW
1400 W Main St
2008 Mahogany St, Suite 1
410 S. 5th St, Suite 110
1424 E Colege Dr, Suite 700
105 S Division St
923 N State St
2570 9th St E
916 E St Paul St
16776 Heron Rd
1567 N McMillan, Suite 1
10 E 2nd Ave S
1485 Industrial Dr NW
201 Sherwood Ave S
1241 E Bridge St #D
502 7th St SW, Suite 7
110 2nd St S, Suite 125
1430 Utah Ave
4 Alfred St NE
506 Western Ave N
528 Strander Ave #A
Aitkin
Detroit Lakes
Mankato
Moorhead
Bagley
Alexandria
McIntosh
Preston
Albert Lea
Mora
Hallock
Marshall
Warren
Fairmont
Glencoe
Litchfield
Little Falls
Worthington
Ada
Olmsted
Thief River Falls
Redwood Falls
Roseau
Waite Park
Benson
Wadena
Fergus Falls
Crookston
56431
56501
56001
56560
56621
56308
56556
55965
56007
55051
56728
56258
56762
56301
55336
55355
56345
56187
56510
55901
56701
56283
56751
56387
56215
56482
56537
56716
The United States Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where
applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual’s
income is derived from any public assistance programs. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication
of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, write
USDA, Director, Office of Civil Rights, 1400 Independence Avenue, SW, Washington, DC 20250-9410 or call (800) 795-3272 (voice) or (202)-720-6382 (TDD). USDA is an equal
opportunity provider and employer.
December 2009
Dial: 211
Online: www.211.org
What is 2-1-1?
2-1-1 is an easy to remember telephone number that connects callers to information about critical
health and human services available in their community.
2-1-1 reaches approximately 234 million people (over 78% of the total U.S. population) in 47 states
and the District of Columbia. Yet, millions of Americans still need to be connected.
America needs 2-1-1 to be accessible nationwide. As the number of organizations providing
specialized services is on the rise, people find it frustrating and confusing to access community
services. 2-1-1 provides a one-stop service for vital information.
While services that are offered through 2-1-1 vary from community to community, 2-1-1 provides
callers with information about and referrals to human services for every day needs and in times of
crisis. For example, 2-1-1 can offer access to the following types of services:
• Basic Human Needs Resource: food banks, clothing, shelters, rent assistance, utility
assistance. • Physical and Mental Health Resources: medical information lines, crisis intervention services,
support groups, counseling, drug and alcohol intervention, rehabilitation, health insurance
programs, Medicaid and Medicare, maternal health, children’s health insurance programs.
• Employment Support: unemployment benefits, financial assistance, job training, transportation assistance, education programs. • Support for Older Americans and Persons with Disabilities: home health care, adult day care,
congregate meals, Meals on Wheels, respite care, transportation, and homemaker services.
• Support for Children, Youth and Families: Quality childcare, Success by 6, after school
programs, Head Start, family resource centers, summer camps and recreation programs,
mentoring, tutoring, protective services.
December 2009
Food Support Common Questions & Answers
Farmers
IfIown my farm am Ieligible for Food Support?
Yes, if your farm produces income for you and your family.
Does the value ofmy farm land count toward my asset limit?
For self-employed farmers, the farm land you own to produce income is excluded from the
Food Support asset limit.
IfIquit farming,willmy farm land continue to be excluded?
Yes, for one year after you quit farming. After one year, the farm land would be a counted
asset.
Does the value ofmy licensed vehicles,equipment and supplies count
toward my asset limit?
If you are a self-employed farmer, these items are excluded as long as they are being used
to produce income.
W hat happens ifIsellmy farm on a contract for deed?
If the contract produces income consistent with the farm’s fair market value, it is excluded.
W hat happens ifIlease my land,but stilllive on the homestead?
If the lease contract produces income consistent with its fair market value, it is excluded as
an income-producing asset. Your homestead and the surrounding land you own would be
excluded as an asset as long as you live in it.
W hat ifI’m trying to sellmy farm,but can’t sellit?
If you are making a good faith effort to sell it, the property is excluded as an asset. The farm
might be considered a nonliquid asset under one of the following conditions:
• You are unable to sell the asset for any significant return. A significant return is any
return that is determined to be more than $1,500, after estimating costs of sale or
disposition and taking into account the ownership for the household.
• The cost of selling the asset would be relatively great.
• The sale is unlikely to produce significant funds of more than $1,500 for the support
of your household.
County offices are the best places to begin
Because Minnesota’s Food Support program is county-administered, it is best to begin by
contacting the county office where you live.
You can also call:
• The Food Support hotline at DHS in the Twin Cities metro area is (651) 431-4050.
• Outside the metro area, call toll-free at 1-800-657-3698.
• For TTY service, call the Minnesota Relay at 711 or 1-800-627-3529. Or go to the U.S.
Department of Agriculture’s Food and Nutrition Web site.
December 2009
University of Minnesota, Center for Farm Financial Management
130 Classroom Office Building
1994 Buford Avenue
St. Paul, Minnesota 55108
612-625-1964
www.cffm.umn.edu
email: [email protected]
The Center for Farm Financial Management (CFFM) provides educational programs and software
tools that are practical, timely, and applicable to real-world farm situations.
Products and training focus on farm financial planning, financial analysis, commodity marketing, and
ag credit analysis. CFFM products are widely used by farmers, agricultural lenders and educators
across the United States. FINPACK, the Center’s flagship software product, provides a suite of tools
that guide producers and ag professionals to sound financial decisions. Commodity marketing
workshops provide a “hands-on” opportunity for producers to test their marketing skills and learn
marketing strategies that will help improve their bottom line.
The Center for Farm Financial Management is located in the Classroom Office Building on the St.
Paul Campus of the University of Minnesota. It is a unit in the Department of Applied Economics. It
is also a part of the College of Food, Agricultural and Natural Resource Sciences and the University
of Minnesota Extension.
Looking for data as to the cost per acre, net return per cow, the Center for Farm Financial
Management has a large data base for just that, its called FINBIN available at the website.
FINBIN, is one of the largest and most accessible sources of farm financial and production
benchmark information in the world. FINBIN places detailed reports on whole farm, crop, and
livestock financials at your fingertips.
With just a few clicks of the mouse, you can see reports such as:
• Cost and returns from Roundup Ready soybeans
• Dairy cost and returns by size or location of herd
• Farm financial standards measures by type or size of farm
The possibilities are endless. Select Whole Farm Reports, Crop Reports, or Livestock Reports to
create your own custom report.
The Center for Farm Financial management also has publications dealing with Farm Management
and Risk Management available on the website as well.
December 2009
http://www.extension.umn.edu/mnext.html
Extension takes the latest research from the University labs into people's lives - where they live, work
and play. We address issues that are important to Minnesota ... safe water ... farm profitability ...
healthy food ... renewable energy ... main street business challenges ... limited family finances ...
youth with too much time on their hands ... and the list goes on. We listen to and collaborate with
individuals, organizations and communities in order to discover, develop and deliver research-based
education and information that is relevant, practical and useful. Extension combines University
scholarship and research with local expertise and engages people; organizations and communities
across Minnesota to build capacity create opportunities and solve problems.
Extension is in all parts of the state, including urban, suburban and rural areas.
Extension Center for Food, Agricultural and Natural Resource Sciences (EFANS)
EFANS offers more than 40 programs uniting expertise throughout food, agricultural and natural
resource sciences. Our educational programs make research practical and useful to Minnesotans.
Below is the EFANS Program Directory.
Agricultural Business Management
•
•
Agricultural Business Management
Minnesota Land Economics
Crops
•
•
•
•
•
•
•
Agricultural Safety and Health
Climate/Weather
Drainage Program
Forage
Institute for Agricultural Professionals
Pesticide Safety
Commodity Crops
o Corn
o Small Grains
o Soybeans
o Sugar Beet Production
Environmental Science Education
•
•
•
•
•
Best Practices for Field Days
K-12 Programs
MN Master Naturalist Program
Nature-Engaged Families
White Earth Programming
Food Science
•
Food Safety Education
Forestry
•
•
Agroforestry
Forest Products
December 2009
•
•
Urban and Community Forestry
Woodland Management
Horticulture
•
•
•
•
•
Bee Lab
Commercial Fruit and Vegetable Production
Consumer Horticulture
o Master Gardeners
Nursery and Plant Health
Turfgrass Management
Housing Technology
•
•
Best Practices for High Performing Homes
Radon Education
Livestock
•
•
•
•
•
•
•
Beef/Meat Science
Dairy Modernization
Horse
Manure Management and Air Quality Education
Poultry Production and Health
Small Ruminants and Alternative Livestock
Swine
Small Farms
• Living on the Land
• Small Farm and Rural Living Expo
• Livestock for Small Acreages
• New Farm Incubator Program
Water Resource Management
•
•
•
Onsite Sewage Treatment Program
Shoreland Education
Stormwater Education
December 2009
University of Minnesota, Extension, County O ffices and Staff
Resources available to Minnesota farmers include access to County Extension Educators. These
Educators can assist individuals and families with production, financial, and management questions or
concerns. County Extension Educators, Agriculture, include the following people and their associated
Counties, office location and phone numbers.
CO UN TY
Blue Earth
Carlton
Carver
Clay
Clearw ater
Crow W ing
D akota
D ouglas
Fillm ore
H ennepin
H ouston
itasca
Kandiyohi
Lake
Le Sueur
Leech Lake Tribal College
M ahnom en
M arshall
M cLeod
M eeker
M urray N icollet
N orm an
Pennington
Pipestone
Polk
Rice
Scott
Sherburne
Sibley (AG - CV)
St.Louis
St.Louis
Stearns-Benton H orticulture
Stearns-Benton-M orrison Crops
Steele
Todd
W inona
W right
N A ME
D iane Stouffer
Troy Salzer
Laura Kieser
Randy N elson
Jim Stordahl
Jackie Froem m ing
Phyllis Bongard
Robin Trott
Jerry Tesm er
Betsy W ieland
Jerry Tesm er
Julie Miedtke
Rhonda W ulf
W ayne Seidel
D iane Stouffer
Shirley N ordrum
Ray Bisek
H ow ard Person
N athan W inter
N athan W inter
Mike Boersm a
W ayne Schoper
Ray Bisek
H ow ard Person
Mike Boersm a
Jim Stordahl
Brad Carlson
Laura Kieser
Tana H augen-Brow n
Tim D olan
KendallD ykhuis
Robert O len
CarlH offm an
D an Martens
Brad Carlson
Randy Pepin
Tom Van der Linden
Brenda Postels
O FFICE
M ankato
Carlton
Cologne
M oorhead
Bagley
Brainerd
Farm ington
Alexandria
Preston
M inneapolis
Caledonia
G rand Rapids
W illm ar
Tw o H arbors
Le Center
Cass Lake
M ahnom en
W arren
H utchinson
Litchfield
Slayton
N ew U lm
Ada
ThiefRiver Falls
Pipestone
M acintosh
Faribault
Jordan
Elk River
G aylord
Virginia
D uluth
St.Cloud
Foley
O w atonna
Long Prairie
W inona
Buffalo
TELEPH O N E
507-304-4143
218-384-3511
952-466-5300
218-299-5020
218-563-2465
218-824-1068
651-480-7757
320-762-3890
507-765-3896
612-596-1175
507-725-5807
218-327-7365
320-231-7890
218-834-8377
507-357-8230
218-335-4258
218-935-2226
218-745-5232
800-587-0770
320-693-5275
507-836-6927
507-931-6800
218-784-5550
218-683-7030
507-825-6715
218-694-6151
507-332-6165
952-492-5410
763-241-2723
507-237-4103
218-749-7120
218-733-2870
320-255-6169
320-968-5077
507-444-7689
320-732-4435
507-457-6440
763-682-7394
December 2009
Family Resource Management Resource List
Agriculture Resources
• University of MN Extension; http://www.extension.umn.edu/Agriculture/
Annual Credit Report.com
• Receive free annual credit report from three main credit bureaus; www.annualcreditreport.com or 877-322-8228;
Annual Credit Report Request Service, P.O. Box 105283, Atlanta, GA 30348-5283
American Association of Daily Money Managers (AADMM)
• A membership organization provides daily money management services to clients; www.aadmm.com/
Bankruptcy Resources
• Bankruptcy Information in multiple languages. US Trustee Program - www.usdoj.gov/ust/index.htm
• Law Help MN - http://www.lawhelpmn.org/MN/index.cfm - Click ‘Consumer & Debt’ then ‘Bankruptcy’
Community Action Programs
• Offers local assistance to families in need, including: energy assistance, weatherization, food & clothing shelves,
Head Start, child care programs, job assistance/training, etc.; www.mncaa.org/
County Family Services (in some counties referred to as Human or Social Services)
• Helps people meet their basic needs by providing or administering health care coverage, economic assistance, and
a variety of services for children, people with disabilities and older Minnesotans. Consult local phone book or
www.dhs.state.mn.us
County Public Health
• Resources to protect, maintain and improve your health. Consult local phone book or www.health.state.mn.us
Credit Counseling - Assistance with financial challenges, including budgets, money management and debt repayment
plans
• National Foundation for Credit Counseling; www.nfcc.org or 800-388-2227; (Find a certified agency near you)
• Consumer Credit Counseling Services; www.cccs.org or (metro) 651-439-4840 or (greater MN) 888-577-2227
• LSS Financial Counseling Service; www.cccs.org or 888-577-2227
• The Village Financial Resource Center (MN & ND); www.helpwithmoney.org or 800-450-4019
• Family Means Consumer Credit Counseling (MN & WI); www.familymeans.org or 800-780-2890 or 651-789
4014
Employment Resources
•
MN Department of Employment and Economic Development- economic development agency;
www.deed.state.mn.us
•
MN Unemployment Insurance-temporary benefits to persons out of work through no fault of their own;
http://www.uimn.org
Federal Trade Commission
• Provides consumer protection information; www.ftc.gov or 877-382-4357
Food Resources
• Fare for All- Prepackaged groceries at half off; www.fareforall.org or (metro) 763-450-3880 or (greater MN) 800
582-4291
• Food Shelves- refer to Hunger Solutions or Minnesota Food Helpline to locate food shelves
December 2009
• Food Support and Food Assistance Programs www.dhs.state.mn.us or contact County Family Services
• Hunger Solutions - helps locate food assistance programs (such as food shelves, WIC offices);
www.hungersolutions.org/find
• Free or Reduced School Breakfast and Lunches – application can be made anytime during the school year; contact
local school district for application.
• Minnesota Food Help Line –assists in applying for food support or finding local food assistance programs; 888
711-1151
• University of MN Extension Nutrition Education Program- discover how to make healthy food choices while
stretching food dollars; www.extension.umn.edu/Nutrition/ or 612-625-8260
• WIC (Women, Infants & Children) - supplemental foods, health care referrals, and nutrition education for lowincome pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age
five who are at nutritional risk; www.fns.usda.gov/wic/
Gambling Resources
• Gambling Problems Resource Center; prevention, education & resources; www.miph.org/gambling/ or 800-333
HOPE (4673)
• National Council on Problem Gambling; www.ncpgambling.org or 202-547-9204
• Gamblers Anonymous; www.minnesotaga.org or 888-GA-HELPS
Heating Assistance
• Heat Share (Salvation Army); emergency heat & utility bill assistance; www.heatshare-mn.org; 800-842-7279
• Energy Assistance & Weatherization Programs; contact local Community Action Program for assistance for low
income families
Housing and Foreclosure Prevention Resources
• Minnesota Homeownership Center: www.hocmn.org/ or (metro) 651-659-9336 or (greater MN) 866- 462-6466
• Minnesota Housing Finance Agency: www.mnhousing.gov or 800-657-3769
• Federal Reserve: www.federalreserve.gov/consumerinfo/foreclosure.htm
• US Department of Housing and Urban Development: www.hud.gov/foreclosure or 800-569-4287
• FDIC Foreclosure Prevention: http://www.fdic.gov/consumers/loans/prevention/
• Hope for Homeowners www.hopenow.com or 888-995-HOPE (4673)
• Federal Housing Administration www.fha.gov
Insurance Federation of Minnesota
• Insurance help line; www.insurancemn.org or 651-292-1099
Legal Resources
• Law Help MN - Info on legal questions, self help legal forms, free/low cost legal services, etc.;
www.lawhelpmn.org
• MN Bar Association Attorney Referral - Identify attorney for free consultation; www.mnfindalawyer.com or 800
292-4152
Medical Resources
• MN Health Care Program Primary Care Resources-list of low-cost medical, dental and mental health care
providers; http://edocs.dhs.state.mn.us/lfserver/Legacy/DHS-4741-ENG
• MN Department of Human Services-information on health care programs: General Assistance, MN Care &
Medical Assistance; www.dhs.state.mn.us (at top of page click on ‘health care’)
Minnesota Attorney General
• Resources on consumer protection, housing, healthcare, seniors, cars, personal finance, identity theft, charities
search, fraud, etc.; www.ag.state.mn.us/ or 800-657-3787 or 651-296-3353
Minnesota Department of Commerce
• Info and guidance about banking & insurance; www.commerce.state.mn.us or 800-657-3602 or 651-296-2488
December 2009
Phone Discounts for Low Income Users
• Lifeline, Telephone Assistance Plan (TAP), and Link-up. Contact local phone company for information.
Power Pay
• Interactive calculator helps determine how to manage credit & debt; www.extension.usu.edu/finance
Reduce Access to Information
• Direct Marketing Association (DMA) – remove name from lists to stop direct mail, telemarketing and email lists
o Direct Mail Marketing: Mail Preference Service; Direct Marketing Assoc., PO Box 643, Carmel, NY
10512
o Telemarketing: Telephone Preference Service; Direct Marketing Assoc., PO Box 1559, Carmel, NY
10512
o Email: www.e-mps.org
• Do Not Call Registry – place phone numbers on FTC’s national registry; www.donotcall.gov or 888-382-1222
• Opt Out of Credit -“opt-out” of pre-approved credit offers; www.optoutprescreen.com or 888-567-8688
Tax Assistance (Federal & Minnesota) - Listing of free tax filing clinics across Minnesota
• Accountability Minnesota; www.accountabilitymn.org or 651-287-0187
• AARP Tax Aide Sites; 888-227-7669
• Internal Revenue Service; www.irs.gov or 800-829-1040
• MN Department of Revenue; www.taxes.state.mn.us or 651-297-3724 or tax help line 651-296-3781
United States Department of Education
• Student loan consolidation information; www.ed.gov or 800-872-5327
University of Minnesota Extension
• Family: provides links to Extension programs that focus on resource management; housing; parenting; and food
nutrition, and health; www.extension.umn.edu/family
• Parenting: Information: resources on family and parenting concerns; www.parenting.umn.edu
December 2009
University of Minnesota, Extension, Families in Tough Times
www.extension.umn.edu/projects/family/ToughTimes
You are not alone. The current economic crisis has taken a toll on many Minnesota families. The resources
found on this website are designed to help families tackle tough times today and tomorrow. Whether facing
unemployment, foreclosure, increasing expenses, accumulating debt, or another difficult financial situation,
your family most likely needs resources and they need them fast.
We are here to help.
December 2009
University of Minnesota, Extension, Farm Information Line
www.extension.umn.edu/issues/fil/
When you call the Farm Information Line, you'll get reliable, research-based answers from Extension
agriculture experts. It's a statewide service backed by a network of local and regional educators, so you'll get
information to meet your specific needs. Oh, and did we mention it's free?
Call: 1-800-232-9077
Hours: 8:30 a.m. to 1:30 p.m., Monday through Friday. After Hours: Leave a voicemail and we'll return your call the next business day. Anytime: Email us at [email protected]. What kind of calls does the Farm Information Line answer?
°
°
°
°
°
°
°
°
°
What should I pay for land rent in my area?
How much fertilizer should I put on my horse pasture?
The leaf tips on my oats are turning white. What is causing this?
Is the plant Dyers Woad toxic to cattle?
How do I get rid of rats in my goat barn?
How do I get my land certified for organic crop production?
What are the feedlot regulations in my county?
How many tons of haylage do I have in a 20x60 silo about 10 feet high?
Is CRP open for pasturing?
Other sources of information available to Minnesota residents
Answer Line: 1-800-854-1678
Answer Line staff answer questions about:
•
•
•
safely cooking, canning and freezing foods
cleaning stains and mildew from homes and clothes
other household issues
Answer Line provides research-based information through University of Minnesota Extension and Iowa State
University Extension. Hours: 9-12; 1-4 Monday – Friday.
December 2009
University of Minnesota, Extension, Farmer-Lender Mediation
www.extension.umn.edu/Community/Mediation
What is Mandatory Farmer-Lender Mediation?
First, and most important, to take advantage of the mediation opportunity, the debtor must request
services within 14 days of a creditor’s notice. Mediation is the use of a trained neutral facilitator —a
mediator—to assist in the negotiations of parties in a dispute. Mediation is an informal and confidential process
that generally requires less cost and time than adversarial court litigation.
A farmer in debt has the opportunity to renegotiate, restructure, or resolve farm debt through Mandatory
Farmer-Lender Mediation. During a 90 day period, creditors in mediation may or may not collect on the debt.
The use of the term mandatory does not mean that the farmer must use mediation. It means that no creditor can
start a proceeding to collect debt against a property until the offer of mediation has been extended and, if the
farmer so chooses, completed.
The goals of Farmer-Lender Mediation are to:
• achieve open communications between the parties in order to resolve differences
• create a non hostile environment
• define the rights and responsibilities of the debtor and creditor
• treat all parties with dignity and respect
• produce agreements that are acceptable to all the parties involved
How Do I Begin the Mediation Process?
Complete a Request for Mandatory Mediation Form. Make sure to identify all the creditors necessary for your
farming operation. Send the form to:
Mary Nell Preisler
Director, Farmer Lender Mediation
1526 170th Ave
Bejou, MN 56516
Phone: 218-935-5785
Fax: 218-935-9053
December 2009
w w w .ruralmn.umn.edu
Rural Minnesota Life Online Resources
This w ebsite is designed to contribute to fam ily business and fam ily vitality.It includes research,interactive w orksheets,
publications,and presentations.Arm ed w ith this inform ation,ruralbusiness and fam ilies w illgrow stronger. Inform ation and resources available on this w ebsite include:
Family Business Research
Tensions in fam ily businesses can be constructive and m otivate ow ners and other fam ily m em bers to change in w ays
that m aintain viability.O r,it can becom e destructive and affect the productivity ofthe fam ily business. O n this site
you can learn m ore about D r.D anes research on Fam ily tensions in fam ily businesses and about m utualgains
negotiation.
• Farm Fam ily Businesses:2001
• M innesota Farm W om en:1988 to 1995
• Fam ily Farm Business Sum m ary
• Research on Focused Issues for Fam ily Businesses
• Resort Fam ily Business Sum m ary
• Fam ily Business Research Articles by D r.Sharon
D anes
• M otel& Restaurant Fam ily Business Sum m ary
Succession:Family Business Succession
Transferring the fam ily business is not just about legaldecisions.It is also about transferring m anagem ent decision
authority.But too m any fam ily businesses don't do the latter.As a result,research show s only 30% offam ily
businesses m ake it to the second generation. Below is a list ofpresentations and resources available to help fam ilies
during this transition.
• Identifying W hat's Im portant:O lder G eneration
• Com pleting the Fam ily Business M anagem ent
Transfer Planning W orksheets
• Identifying W hat's Im portant:Younger G eneration
• Q ualified Therapist Locator
• D iscusses the stages often excluded in the fam ily
business transfer process.
Staying Resilient:M anage �hange In O ur Family Business
Change is happening allaround us.To help you understand your responses and those ofothers,check out these audio
and visualpresentations:
• Staying Resilient In Tim es ofChange
• Change and Being a Leader
• Change:Loss,O pportunity and Resilience
Business Tensions:�onflict in Family Business
Conflict in fam ily business is different than in other w orkplaces.Fam ily em ployees often live and w ork together and
have long,com plex history ofrelationships.Tensions don't alw ays have to detract from business success.Available
on this site you can take the Fam ily Business Conflict Identification Toolassessm ent and listen to stream ing-audio
presentations,such as:
• Fam ily Business Tensions:The G ood and the N ot So G ood
• Interpreting the Fam ily Business Conflict Identification ToolScore
• M anaging Conflict in Fam ily Business
U nderstanding A nger
W hen leading a business,understanding how anger and conflict are related is im portant in problem solving around
conflict w ith em ployees and fam ily m em bers.Review these presentations to learn m ore.
• W hat's This Anger About Anyw ay?
• Anger:W hen You D o N ot H ave Influence.
• Anger and the Conflict Style.
December 2009
�onflictStyles
People have differentconflictstyles.Som e styles w ork bestin differentsituations.O veruse ofcertain styles can cause
problem s.Com plete the ConflictM anagem entStyles assessm ent,and view the otherpresentations to help you
interpretthe results.
• Interpreting the ConflictM anagem entStyles Assessm ent.
• ConflictM anagem entVersus ConflictResolution
Tough Financial Times
People can face tough financialtim es forany num berofreasons.Below are seventeen practicalguides thatw illassist
you in getting through tough financialtim es.The guides address fam ily finances,stress experienced,getting help,and
helping children understand the changes.
• Com m unity Agencies ThatCan H elp
• Stretching YourFood D ollar
• Looking fora Job
• Setting Spending Priorities
• Keeping a RoofO verhead
• Strategies forSpending Less
• Bartering
• Talking W ith Creditors
• M eeting YourInsurance N eeds
• M aking the M ostofW hatYou H ave
• D eciding W hich Bills to Pay First
• H ow You Can H elp M om orD ad
• Com m unicating U nderPressure
• D eciding ifTeens Should W ork
• Controlling Stress
• H elping Children Cope
• Identifying Sources ofSupportand Friendship
Reduced Income?:D ealing w ith Reduced Income
W hen incom e is reduced forany reason,(forexam ple,w hen one loses a job orbecause ofthe results ofa natural
disaster),people respond in certain w ays.Below is a listofavailable resources and strategies to assess how you are
doing orto getideas from others experiencing reduced incom e.
• Adjusting to Suddenly Reduced Incom e
• Increasing and Extending M oney Incom e
• D ecreasing M oney Expenditures
• Increasing H ousehold LaborIncom e
• Increasing H ousehold M anagem entIncom e
• Ideas on W ays To Save
Practical G uides for Family Finances
Available resources include:
• Planning Ahead forRetirem ent
• Life Attitude Assessm ent
• Children and M oney:Teaching Children M oney H abits forLife
• Children and M oney:Allow ances and Alternatives
The follow ing are additional educational resource topics available on the Rural M innesota Life w ebsite:
• Parenting
• Fam ilies and Stress
• RuralFarm Businesses
• Tourism Businesses
• Food & Restaurants Businesses
These topics and more can be found athttp://w w w .cehd.umn.edu/fsos/� enters/RuralM N Life/
Sharon M. Danes • U niversity ofMinnesota College ofEducation and H um an Developm ent • sdanes@ um n.edu
December 2009

Minnesota Farmer Assistance Network Resource Guide

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