You will find below contact details and useful links from a number of government and non-profit agencies that can help you avoid and/or deal with foreclosure.

HOPENOW.COM

Focused on helping homeowners in crisis, this alliance helps you determine your options.
Helpful pages of this website include:

  • Research your options here
  • Find your mortgage lender here
  • Find here a foreclosure counselor in your area

FTC.GOV

The Federal Trade Commission expert advice.
Helpful pages of this website include:

  • Find a foreclosure counselor here
  • Learn how to raise your own credit score here

MAKINGHOMEAFFORDABLE.GOV

Official government site for loan modifications and foreclosure alternatives.
Helpful pages of this website include:

PORTAL.HUD.GOV

Find resources to avoid foreclosure in your state
Key pages of this website include:

MYFICO.COM

Understand credit and your credit scores.
Helpful pages of this website include:

RESPONSIBLELENDING.ORG

A non-profit organization that works to stop predatory lending practices.

FINDAFORECLOSURECOUNSELOR.ORG

A non-profit organization which was created by Congress to provide financial support, technical assistance, and training for community-based revitalization efforts.

NATIONAL COMMUNITY REINVESTMENT COALITION (NCRC)

A national coalition of more than 800 non-profit organizations that seek to increase the flow of private capital into underserved communities. NCRC’s Consumer Rescue Fund works with victims of predatory lending to provide mediation, refinancing and renegotiation of the mortgages. Refinancing services are currently available in California.

NATIONAL ASSOCIATION OF CONSUMER ADVOCATES

The National Association of Consumer Advocates (NACA) is a nationwide organization of more than 1,000 attorneys who represent and have represented hundreds of thousands of Consumers victimized by fraudulent, abusive and predatory business practices. Legal services are provided by lawyers and private practice attorneys either free of charge or at low-cost.

BAY AREA LEGAL AID

Bay Area Legal provides free legal help for low income people in various counties of the Bay Area: For Santa Clara County call: 408-850-7066

The HOUSING AND ECONOMIC RIGHTS ADVOCATES (HERA)

HERA is a California statewide, not-for-profit legal service and advocacy organization. HERA’s mission is to ensure that all people are protected from discrimination and economic abuses, especially in the realm of housing. They focus particularly on the needs of those who are most vulnerable, which includes lower-income people, the elderly, immigrants, people of color and people with disabilities. In January 2009, HERA was a recipient of the Alameda County Bar Association’s Distinguished Service Award. HERA’s core practice areas are predatory or unfair mortgage lending, foreclosure prevention and fair housing.

 
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