One of your first stops to go for help should be the government's U.S. Department of Housing and Urban Development, better known as HUD (www.hud.gov). They offer many services but the one that will interest you most now is their referral service to a HUD-approved or certified mortgage counseling agency. Call 1-800-569-4287 (TTY 1-800-877-8399). You can also get a referral from their website by visiting here: http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. Most counseling services are free, some may ask for a modest fee to help pay for obtaining your credit information from the credit bureaus to send to lenders.
Another great place to look for assistance in your area is to visit your State Attorney General's website. To find your state Attorney General's website, hit your favorite search engine and type in "your state Attorney General" and it should come right up! Now each State Attorney General is going to set up their website a little differently, but putting into the search the word "mortgage" should bring up any information on the website related to this topic. If you have trouble finding it on their website, call the State Attorney General's office and ask them where you can find mortgage counselors they would recommend. Each State Attorney General does consumer advocacy, and this topic is certainly related. A complete listing is located at the end of this document.
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