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Foreclosure! Ten Ways to Save Your Home

Get Help! Often it's Free

Alarmed by rapidly rising foreclosure rates, several private and government agencies have established a wide variety of free and low cost programs designed to help you keep your home.

If you're having a problem making payments you may benefit from credit counseling or a debt administration program that includes housing counseling.

Your lender may have such a program, or you can see if your local housing authority or extension service offers debt counseling or foreclosure avoidance services. In recent months several county governments have instituted programs designed to help homeowners in danger of losing their homes. Often these programs are sponsored by the local sheriff's office.

Depending on your circumstances a debt management program may also be a good option. The U.S. Department of Housing and Urban Development (HUD) maintains a list of credit counseling and debt management agencies approved to work with HUD loans, and they may also be able to help with other lenders.

While a credit counseling agency may be able to negotiate an agreement with your lender, keep in mind that you may be able to negotiate the same agreement, without having to pay the agency's fees. Always try to talk with your lender on your own, and if you can't reach a workable solution, seek outside help.

Are you a victim of predatory or deceptive lending?

In recent months, several class action lawsuits have been filed against lending institutions alleging deceptive or predatory practices. If your situation may be the result of predatory or deceptive lending practices you may want to consult a class action attorney. You can submit your case online for evaluation by attorneys that specialize in these issues at Click here for legal help and a free evaluation of your possible case The service is confidential and  free.

In any case, get help quickly so that you can take advantage of all possible remedies. 

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This article is a general guide only and is not intended to replace professional, legal or financial advice. Send this page to a friend