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)

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.