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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. |
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| IMPORTANT NEWS & UPDATES | |
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| 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? |
| 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? |
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Don’t underestimate the number of con-artists who are out there who will present themselves as legitimate. The will, however, ask you to pay for their services and in most instances do nothing at all for you. A legitimate foreclosure counselor is a housing counselor who has been trained as a foreclosure specialist and certified by the U.S. Department of Housing and Urban Development – HUD. (HUD-certified). They will never ask you to pay for their services. They are FREE and they are available to anyone who is at risk of foreclosure on a home that is their primary residence. This is not a service that is only available to low-income individuals. It is there for anyone who is at risk of foreclosure! Additionally, states also train and certify foreclosure counselors through their state housing agency. In Michigan, the Michigan State Housing Development Agency (MSHDA) trains and certifies housing foreclosure counselors – MSHDA-certified). Counselors trained and certified by either HUD or MSHDA are legitimate, highly trained and FREE to anyone who is at risk of losing the home that is their primary residence. HUD and MSHDA Certified Housing Foreclosure Counselors 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 |
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| 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?
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| 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? |
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JACKSON COUNTY | LENAWEE COUNTY | HILLSDALE COUNTY |
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Community Action
Agency Jackson Affordable
Housing |
Community Action
Agency |
Community Action
Agency |
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| FOUNDING PARTNER | |||