Foreclosure is the legal process a mortgage company must follow to end the homeowner’s ownership rights to the home if the homeowner has failed to make mortgage payments and has been...
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A stack of unpaid bills on your desk. A ringing phone that you're afraid to answer. A gnawing feeling that you're sliding closer and closer to losing the home you've worked so hard to keep...
These are warning signs that foreclosure might be in your future - unless you take action immediately. You've come to the right place to Get Help and Get Hope.
Take the opportunity to learn about foreclosure and options to avoid it by visiting the Learning Center. Then take the first step to avoid foreclosure by visiting the Get Hope Now section. Don't Let the Walls Foreclose in on You.
Your Right to a Settlement Conference
If your mortgage lender has filed to foreclose on your home, you may be entitled to a court-ordered settlement conference with your lender to negotiate an agreement tha could allow you to avoid foreclosure. Look for the notice of your right to a settlement conference in your foreclosure papers. To take advantage of this right, YOU MUST NOTIFY THE COURT that you desire a settlement conference within 30 days after receiving your notice.
At the settlement conference, you have the right to be represented by an attorney or assisted by a mortgage foreclosure counselor, either in person or by telephone. Click on the mailbox on the right side of the page to receive assistance. In order to have sufficient time to prepare, try to call at least two weeks before your scheduled settlement conference.