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 


These organizations can help:

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

Legal Aid of Western Ohio (LAWO) &
Advocates for Basic Legal Equality
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


  • 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.