National Foreclosure Council

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We Are Here to Help

If you are experiencing difficulty and need assistance or guidance to get through difficult times, you are not alone. Our purpose is to help guide individuals and families to the local resources that will give the right answers. First, you need to let us know your situation and where you are so we can understand the difficulty you are experiencing and point you in the right direction. Please complete and submit the form to the left and we will direct you to the appropriate organization or agency.

Definitions:

In distress - If you are not able to or know you will soon not be able to make your mortgage payment.

Depending on the hardship you are experiencing, you have several options available to you at this stage. The most desirable is to renegotiate your loan with your current lender to avoid foreclosure, but you need to be careful. There are many useful tools and organizations in the market place to help you renegotiate, but beware as there are just as many who will take your money and not achieve the desired results. We will point you in the right direction.

Notice filed - You have received notice that you are in default on your loan.

At this stage it is sometimes difficult to act because of the situation and the lack of available knowledge. It is imperative that you work with your local resources to explore all of your options. They are there to help you.

In foreclosure - You have received notice of default and have been told that your home will be sold in a foreclosure sale.

If you are in default on your loan, your state has specific time frames and options available to you. Understanding precisely what your next step is and how much time to act can be confusing, but you do have options.

Foreclosed - Your home has been sold at a trustee or foreclosure sale but you have not yet been told you need to move out.

At this stage, times vary state by state and lender by lender, but you still have options to minimize the disruption to your family. Depending on the lender and local regulations, you still have options to help you put the pieces back together.

Notice to Vacate - You have received a notice that you must vacate the premises

At this point, you will need to vacate your home, but make sure you take the right steps. Also, you may need assistance in finding a place to live and getting a handle on everything that is happening.

National Foreclosure Council is a Not For Profit (non-profit) organization dedicated to creating solutions for every individual and every family by reaching out to the community through local non-profit businesses. Please help us by helping them as they work to provide assistance in your area. Contact us for more information.