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Welcome to the Community Foreclosure Coalitions website. We are a nonprofit coalition of community partners in Jackson, Lenawee and Hillsdale counties who are working together to stop preventable foreclosures and to soften their effects on families, neighborhoods and our local communities. We connect homeowners, renters and neighbors with information and resources and advocate for change to stop foreclosures here in our own back yard.
 
IMPORTANT NEWS & UPDATES
 
FOR HOMEOWNERS  | FOR RENTERS | FOR NEIGHBORS
MORTGAGE FORECLOSURE:
1)  I'm having trouble making my mortgage payment.  What should I do?
2) I can no longer afford my home.  What are my options to avoid foreclosure?
3) Is bankruptcy an option for saving my home?
4) I received a letter from my lender letting me know I'm in default.  What should I do?  
 

When you receive the letter from your lender indicating you are in default of your mortgage loan . . .

  1. Take it very seriously!  It requires you to act immediately if you want to save your home. 
  1. Carefully read the default letter from your lender and find the telephone number to the Loss Mitigation Department and the name of the representative assigned to your case. The employees in the Loss Mitigation Department typically are the only individuals with the mortgage company that have an incentive to find a solution other than foreclosure for your loan.
  1. Thoroughly review your loan to find the terms of your loan, for example, prepayment penalty, 15-year, 30-year, fixed rate, adjustable rate, etc.  Write down the dates and amounts of your last twelve payments and evaluate our current budget situation to determine the amount of mortgage payment you can afford.
  1. Contact the Loss Mitigation department and discuss your loan situation.  Be sure to understand completely why the mortgage company sent you the default letter.  Than ask if the mortgage company has begun foreclosure proceedings on your account.  If you think payments you made are not being posted to your account, explain the dates and request a history of your account to compare to your cancelled checks.
  1. If you are late with your payments, explain the reasons, such as loss of employment or reduction in employment hours.  Then ask the mortgage company for a written explanation of the funds required to bring your account current.  Ask if company management would approve a hardship program such as a repayment plan, a loan modification, a refinance, a forbearance agreement, a short sale, or something similar.

If you aren’t comfortable working with your lender on your own, contact a Free HUD or MSHDA certified Foreclosure Counselor:

Jackson County

Community Action Agency (800) 491-0004

Jackson Affordable Housing (517) 788-4626

Lenawee County

Community Action Agency (800) 438-1845

Hillsdale County

Community Action Agency (800) 750-9300

If you think there were misrepresentations or fraud regarding your mortgage loan, contact OFIR 1-877-999-6442 (www.michigan.gov/ofir) or the statewide number for the FBI – (313) 965-2323. Locally, you can also call a FREE legal services attorney Legal Services of South Central Michigan:

 
5) I've received a letter from a law firm about 14 days to ... What should I do?
6) What do you mean by a certified foreclosure counselor?
 
7)   What can I expect when I contact a FREE certified foreclosure counselor?
8) I'm at risk of losing a home that is not my primary residence.  Can a HUD or MSHDA certified foreclosure counselor help me?
9) Can I contact my lender on my own instead of working through a foreclosure counselor?
10) I've tried contacting my lender and can't get anywhere.  What should I do?
11) What is the new Michigan 90 day law I've heard about?
12) What is the Obama Plan I've heard about and am I eligible?
   
TAX FORECLOSURES
1) Can I lose my home if I do not pay my property taxes?
2) What is a delinquent tax?
3) What happens after the property is forwarded from the local municipality in which the property owner lives to the county treasurer for collection?
4) What does it mean for my property to be in forfeiture? Does that mean I lose my property?
5) What happens after my property is in forfeiture?
6) What happens after my property is foreclosed? How do I get it back?
7) What if I can’t come up with all the money I owe right now?
8) Will I receive notification before my property is foreclosed?
9) I am current with my property taxes, but because of my reduced or fixed income I am afraid I can’t afford to pay next year; what can I do?
10) I was current with my property taxes, but this year I haven’t been able to pay; what should I do?
11) I have been unable to pay my property taxes for a couple of years now, and have been receiving notices from my County Treasurer; what should I do?
 
JACKSON COUNTY LENAWEE COUNTY HILLSDALE COUNTY

Community Action Agency
 (800) 491-0004

Jackson Affordable Housing
(517) 788-4626

Community Action Agency
 (800) 438-1845

Community Action Agency
(800) 750-9300
FOUNDING PARTNER