Know your rights and learn what you can do to help yourself
There are 10 resources
General Information
Worried About Foreclosure? What You Should Know
(Separate Website)
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.
By: Alabama State Bar
Tips for Avoiding Foreclosure
(Separate Website)
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. Read this in: Espaņol By: U.S. Department of Housing and Urban Development (HUD)
Steps to Take When You Can't Pay Your Mortgage
(Separate Website)
Covers important steps to take including: Contact Your Lender, Talk to a Housing Counselor, Explore Loan Workouts, and more. Read this in: Espaņol By: U.S. Department of Housing and Urban Development (HUD)
Housing and Economic Recovery Act of 2008: Questions & Answers
(Separate Website)
A new law has been passed so that the Federal Housing Administration (FHA), can help about 400,000 borrowers in danger of losing their homes refinance into more affordable government-insured mortgages. This website answers questions about this new law.
Read this in: Espaņol By: U.S. Department of Housing and Urban Development (HUD)
Q & A: Home Foreclosure and Debt Cancellation
(Separate Website)
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.
By: Internal Revenue Service (IRS)
Relief Options for FHA Loans
(Separate Website)
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.
By: U.S. Department of Housing and Urban Development (HUD)
Worried About Foreclosure?
(Separate Website)
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.
By: HomeOwnership Preservation Foundation
Foreclosure Legal Resources
(Separate Website)
This website has many helpful resources if you are getting behind in your mortage payments and possibly facing foreclosure.
By: Alabama State Bar
HOPE for Homeowners
(Separate Website)
The HOPE for Homeowners program will refinance mortgages for borrowers who are having difficulty making their payments, but can afford a new loan insured by HUD's Federal Housing Administration (FHA). The program begins October 1, 2008 and ends September 30, 2011. Read this in: Espaņol By: U.S. Department of Housing and Urban Development (HUD)
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.
By: Legal Services Alabama
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
AlabamaLegalHelp.org is a project of Legal Services Alabama and the Legal Services Corporation. It is produced in cooperation with Pro Bono Net and legal services organizations, community organizations and government agencies throughout Alabama and the United States.
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