Foreclosures

Self Help Legal Information

• Saving Your Home From Foreclosure

  If you are facing foreclosure, there may be an option that will let you keep your home. Some things you can do: Get legal advice • Negotiate with your lender or servicer • Consider refinancing the mortgage or filing for bankruptcy • Beware of foreclosure rescue scams. Read this brochure for more information. Read More

  By:

  National Consumer Law Center

• Tips for Avoiding Foreclosure

  Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them? Here are 10 tips from the U.S. Dept. of Housing and Urban Development. Also in Spanish/Español Read More

  By:

  U.S. Department of Housing and Urban Development (HUD)

• Worried About Foreclosure? What You Should Know

  What exactly is a foreclosure? Can I prevent having a foreclosure started against me? What are my options prior to foreclosure? This brochure answers these questions and more. Read More

  By:

  Alabama State Bar

• Q & A: Home Foreclosure and Debt Cancellation

  What is cancellation of debt? Is cancellation of debt income always taxable? Are there tax issues if I lost my home by foreclosure? Answers to these questions and more in this web site. Content Detail

  By:

  Internal Revenue Service (IRS)

• Steps to Take When You Can't Pay Your Mortgage

  Covers important steps to take including: Contact Your Lender, Talk to a Housing Counselor, Explore Loan Workouts, and more. Also in Spanish/Español Read More

  By:

  U.S. Department of Housing and Urban Development (HUD)

• Worried About Foreclosure?

  If you feel like you may be in danger of facing foreclosure, the time to call 888-995-HOPE is now. Homeowner's HOPE, a counseling service provided by the Homeownership Preservation Foundation, can work with you to find a solution. Content Detail

  By:

  HomeOwnership Preservation Foundation

• Foreclosure Legal Resources

  This website has many helpful resources if you are getting behind in your mortage payments and possibly facing foreclosure. Content Detail

  By:

  Alabama State Bar

• Housing and Economic Recovery Act of 2008: Questions & Answers

  A 2008 law was passed so that the Federal Housing Administration (FHA), could help about 400,000 borrowers in danger of losing their homes refinance into more affordable government-insured mortgages. This website answers questions about this law. Also in Spanish/Español Read More

  By:

  U.S. Department of Housing and Urban Development (HUD)

• Relief Options for FHA Loans

  If you are a homeowner falling behind on a FHA Loan and your home is in a federal disaster area OR you or your spouse is active military, this document has important advice for you. Content Detail

  By:

  U.S. Department of Housing and Urban Development (HUD)

• Facts for Consumers: Foreclosure Rescue Scams

  Fraudulent foreclosure "rescue" professionals use half truths and outright lies to sell services that promise relief and then fail to deliver. Read this for information on how the scams work, where to find legitimate help and red flags that will alert you to the businesses to avoid. Also in Spanish/Español Read More

  By:

  U.S. Federal Trade Commission

• Making Home Affordable

  If you are in trouble with your mortgage, can you get your loan refinanced? Can you get it modified? Programs are available to help - read the information on this website to get started. Also in Spanish/Español Read More

  By:

  Making Home Affordable.gov

• Don't Miss Out!!! Take Advantage of All the Benefits Available to You

  Should you be getting child support? Do you qualify for food stamps? Can your children get free or low-cost health insurance? Can you get a lower telephone bill? Do you need help filing your income taxes? Read this for information about 10 often-overlooked benefits available to many low-income people. Read More

  By:

  Legal Services Alabama

• Foreclosure Rescue Scams

  The possibility of losing your home to foreclosure can be terrifying. Many so-called foreclosure rescue or assistance companies claim they can help you save your home. Unfortunately, once most of these foreclosure fraudsters take your money, you lose your home, too. Read this information for tips on how to avoid these scam artists. Content Detail

  By:

  U.S. Federal Trade Commission

• Save Those Papers!

  In order to protect your rights, you may need to use papers others have given you. This fact sheet tells you what papers you should save. Read More

  By:

  Legal Services Alabama