Using a HUD-Approved Housing Counselor

The sooner you talk to a HUD-approved housing counselor, the better.

HUD-approved housing counselors will work with you—free of charge—to help you avoid foreclosure. You can have no better advocate if you're trying to work out a mortgage modification or other alternative to foreclosure. (To learn what to do, and what not to do, in the modification process, see Do's and Don'ts for Getting a Loan Modification.)

Finding a HUD-Approved Housing Counselor

The federal Department of Housing and Urban Development (HUD) website has a list of approved counselors. Or you can call 800-569-4287.

You can also find a counselor by calling:

For general information about HUD-approved housing counse­lors, including what counselors do and how counseling works, see Get Help Avoiding Foreclosure: Using a HUD-Approved Housing Counselor.

When to Talk to an Attorney

If you're facing a foreclosure and want details about how the process works in your state or you think you might want to fight the foreclosure in court and want to find out whether you have any defenses to the foreclosure, consider talking to a lawyer. (To learn what to do—and what not do—if you’re facing a foreclosure, see Foreclosure Do's and Don'ts.)

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