Alabama State Bar

	For Free Legal Help call the Legal Services Alabama Foreclosure Hotline 1-877-393-2333 STEP 1. Don't ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house. STEP 2. Contact your lender as soon as you realize that you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times. STEP 3. Call 888-995-HOPE (4673) Absolutely free foreclosure prevention counseling by expert counselors at HUD-approved agencies. To any homeowner in America having trouble paying their mortgage 24 hours a day/7 days a week Service begins immediately—the counselors themselves answer the phone (learn more) Funding for this project was made possible, in part, with a grant from the Alabama Civil Justice Foundation and the participation of the Alabama Access to Justice Commission

Resources Homeowner Affordability and Stability Plan HUD Approved Housing Counseling Agencies (Alabama) Avoiding Foreclosure: Alabama You Can Avoid Foreclosure and Keep Your Home (FHA) Tips for Avoiding Foreclosure Help for Homeowners Facing the Loss of Their Home The Homeowner's HOPE Hotline, 888-995-HOPE www.995hope.org		» Foreclosure Resources Brochure (PDF)
The following web sites will help with financial education, clarify mortgage terminology, free services available to the homeowner, free counseling, and outreach events coming to your area. Fannie Mae: http://www.fanniemae.com Freddie Mac: http://www.freddiemac.com/corporate/buying_and_owning.html Home Loan Learning Center: www.homeloanlearningcenter.com Homeownership Preservation Foundation: http://www.995hope.org/ MyMoneyManagement: www.MyMoneyManagement.net NeighborWorks America: http://www.nw.org/network/home.asp Foreclosure Hotline Radio-TV Spots Call the Hotline (mp3) Lawyers can assist (mp3) Resources (mp3) Foreclosure Hotline TV Disclaimer The information provided by the Alabama State Bar at this Web site is done as a service to members of the Alabama State Bar and to the public. Since certain of the site information is provided by other sources, the Alabama State Bar does not warrant or guarantee the accuracy of the content of this site, nor that of any site for which a link is provided. Providing a link to another site shall in no way be deemed an endorsement by the Alabama State Bar, express or implied, of any such site.The Alabama State Bar does not guarantee accessibility to this site, nor any other linked site, and will not be liable for damages for reliance upon the information at this site, nor the unavailability or lack of access to this site or information contained thereon. The information contained at this site is not legal advice, and should not be relied on by the user of this site as such. The user is encouraged to retain the services of a lawyer for legal advice. Use of this site constitutes an agreement by the user that the user will hold the Alabama State Bar harmless for any inaccurate information contained herein, or the inability to access this site or any other site herein referenced.