| 1) Check whether your family's total income is equal to or below the income in this guide. If it is, look to #2. If it is above the income listed, look to #4. | ||||||||||||||||||||||||||||||||||||||||||||||||
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| 2) Do you feel that your mortgage paperwork was not filled out correctly, or that there was something done while you were getting a mortgage that appears unfair? If yes, look to #3 | ||||||||||||||||||||||||||||||||||||||||||||||||
| 3) Please contact one these organizations in your county: | ||||||||||||||||||||||||||||||||||||||||||||||||
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| 4) If you are looking for someone to help you with foreclosure questions, please complete the Lawyers Helping Homeowners form. With the current demand, please understand that it may take over two weeks for someone to contact you, if you need immediate assistance with your housing situation contact: | ||||||||||||||||||||||||||||||||||||||||||||||||
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Arizona Department of Housing: Free counseling service help-line - 877-448-1211 Links to support services for rental and mortgage assistance Arizona Department of Financial Institutions: Foreclosure Help U.S. Department of Housing: HUD approved Counseling Agencies |
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Foreclosure Events: Saturday, January 10, 2009 City of Mesa Utilities Building - Mesa |
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Lawyers on Call: Foreclosures and Evictions Tuesday, July 7, 2009, 4:30 to 6:30 pm Call 602-258-1212 Lawyers on Call is a public service program sponsored by the State Bar of Arizona and Phoenix’s Channel 12 KPNX TV. On the first Tuesday of the month, members of the public can have their legal questions answered by volunteer lawyers. |
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 The "Lawyers Helping Homeowners" program calls upon volunteer lawyers to assist homeowners in working with their lenders to find appropriate financial arrangements to avoid foreclosure. Keeping people in their homes helps stabilize the economy and increase family security. This initiative, coordinated by the State Bar of Arizona, the Arizona Foundation for Legal Services & Education, and the Arizona Supreme Court, will not save all homes from foreclosure, but will offer hope and opportunity to many who might otherwise have none.
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Can a lender sell my property? If you bought a home and signed a deed of trust giving a lender a security interest in your property, the lender can start a process to take legal action to sell the property at a Trustee's Sale. The legal process can be started if you are in default - if you do not do what you agreed when the loan was given. Usually this happens if you are behind on your payments. It also could happen if you fail to pay your property insurance or real estate taxes on the property or don't maintain the property. Click here to find out more... |
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How Do I Avoid Foreclosure? You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a HUD approved housing counselor will provide free if you contact them. Click here to find out more... |
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