If you are facing foreclosure, or worry that you might be facing foreclosure soon, you’ll find easy-to understand information about foreclosure and your options at these websites:
- Nolo’s Foreclosure Law Section. Learn everything you need to know about foreclosure, including how it works, how to avoid it, and your options if you are in danger of losing your home.
- Federal Reserve System. The Federal Reserve System has established regional Foreclosure Resource Centers throughout the country to address local concerns about the foreclosure crisis. Click your region to get consumer information and foreclosure resources in your area.
- Federal Trade Commission (FTC). The FTC publishes fact sheets for consumers on foreclosure scams.
- Homeownership Preservation Foundation. The Homeownership Preservation Foundation is a nonprofit that offers free foreclosure counseling. The website also provides links to federal and some state government websites offering foreclosure information.
- MakingHomeAffordable.gov. This government website provides comprehensive information about the 2009 federal Making Home Affordable program. You can check eligibility requirements for the loan modification, refinancing, or second lien programs, and apply for a modification online. You can also find program FAQs and calculators to help determine which program might work for you. The site provides information about foreclosure alternatives and a link to a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor directory.
- National Consumer Law Center (NCLC). The consumer section of NCLC's website has helpful information and links on foreclosure, predatory lending, and foreclosure scams.
- National Foundation for Credit Counseling (NFCC). The NFCC website has a national directory of local member agencies—nonprofit credit counseling agencies staffed by NFCC-trained, certified counselors. NFCC housing counselors can provide assistance with foreclosure and other homeowner issues.
- U.S. Department of Housing and Urban Development (HUD). The HUD website has a section on foreclosure that includes tips on avoiding foreclosure, information about various government loan modification and refinancing programs, links to government assisted rental programs, links to local and state resources, and a national directory of HUD-approved housing counselors that provide assistance free of charge.
- ForeclosureLaw.org. Click a state to get a summary of that state's foreclosure laws. The site also has a handy glossary of common foreclosure terms.
- Nolo’s Bankruptcy Section. One-stop shopping when it comes to coping with financial trouble. The website includes comprehensive information on surviving foreclosure, filing for bankruptcy, dealing with debt and credit problems, handling collection agencies, dealing with student loan debt, repairing credit, and more.
- ForeclosureHamlet.org. A social-network website for people facing foreclosure. The website also includes updates on foreclosure-related cases, blogs, and articles (especially of Florida origin).
- Foreclosure-Fight.com. A website focusing on foreclosure defense in Ohio. The information is relevant to other states where judicial foreclosures are the norm.
Excerpted from The Foreclosure Survival Guide, by Stephen Elias (Nolo).