Foreclosure Prevention

If you are facing foreclosure, help is as close as your telephone. Just make the first call...



Call the UNITED WAY at 1-800-650-4357 (or 2-1-1), or visit United Way of Toledo for referral to the most appropriate local or national resources.

Hope is available to any homeowner in America having trouble paying their mortgage. Call 1-888-995-HOPE (1-888-995-4673) any time. Counselors are available 24 hours a day, 7 days a week and provide free foreclosure prevention counseling. They will help you negotiate with your lender free of charge!

Printable Foreclosure Prevention Pamphlet 

(PDF)



Foreclosure Information Directory

(PDF)



These organizations can help:

Foreclosure Intervention Hotline
24 hours/7 days a week
Ohio Home Rescue Fund managed by the
Homeownership Preservation Foundation
1-888-995-4673
Ohio Home Rescue Fund

Legal Aid of Western Ohio (LAWO) &
Advocates for Basic Legal Equality
(ABLE)
Legal Services
(419) 724-0640 1-888-534-1432
Legal Aid of Western Ohio

Apprisen (FKA Consumer Credit Counseling
of Northwest Ohio)

HUD-certified counseling agency
(419) 531-2227 1-800-355-2227
Consumer Credit Counseling of Northwest Ohio
  
Lucas County Veteran Services
Mortgage assistance to veterans
(419) 213-6090
Lucas County Veterans Services
 
NeighborWorks Toledo Region
Financial Opportunity Center (financial counseling)
(419) 691-2900
NeighborWorks Toledo Region
 
Toledo Bar Association
Legal services
(419) 242-9363
Toledo Bar Association
 
The Fair Housing Center
Investigation of lending discrimination complaints
(419) 243-6163
Toledo Fair Housing Center
  
Adelante LRC
Bilingual homeownership and financial literacy
(419) 244-8440
Adelante Toledo
 
 

Remember...


  • Do not ignore letters from creditors. Some foreclosures can be halted if you communicate with your lender promptly.
  • Typically, lenders do not want your home; they want your house payments.
  • Foreclosure proceedings may cost your lender a lot of money.
  • Often it is in everyone's best interest to agree on new terms that modify the current mortgage.
  • Call or write your lender.
  • Contact the lender's "Loss Mitigation" or "Foreclosure Prevention" department.
  • Ask the lender to send you a "work-out' packet to update your financial information including current income, expenses and other debts.

Be aware of scams


  • Solutions sounding too good to be true usually are.
  • Be aware of predatory lending and DON'T be a victim.
  • Be aware of unscrupulous people who will take advantage of your troubles.
  • Be aware of phony counseling agencies that charge large fees to perform services you can do for yourself with assistance from the sources listed in the directory above.