1. Contact your lender directly. Banks will often work
with you to find reasonable arrangements rather than foreclosing
immediately. You can also ask them if you are eligible for the Making
Home Affordable program (this is the new Obama administration program). 2. Call 2-1-1 to get a referral to a foreclosure intervention counselor. HUD-certified
foreclosure intervention counselors are a reliable, trustworthy source
of help. They can help you find and negotiate a solution that best fits
your situation. 3. If you have received foreclosure court papers, sign up for the court mediation program. This program will help you talk to your lender about alternatives to foreclosure. To sign up:
(1) Fill out the Foreclosure Mediation Request form (Form JD-CF-93) attached to the foreclosure papers.
(2) Fill out an Appearance form (Form JD-CL-12).
(3) Mail or take forms
to the court clerk so that the clerk will receive them no later than 15
days after the return date. (The return date is on the top right of the
Summons)
If you have questions about the mediation program, visit their website here or contact Roberta Palmer at (860) 263-2734. 4. Seek other types of assistance. Legal Assistance: Statewide Legal Services is a legal aid telephone hotline that assists low-income individuals with noncriminal legal matters, including foreclosure. Contact them directly to determine if you meet the income limits to qualify for services. Call 1-800-453-3320. The Consumer Law Project
for Elders provides free legal assistance to Connecticut seniors 60 and
over who have consumer questions or problems. Call 1-800-296-1467. If you do not qualify
for Statewide Legal Assistance or are not over 60 years of age, you can
find an attorney through the New Haven Bar Association lawyer referral
service. Call (203) 562-5750. You may also attend Foreclosure Prevention Clinics sponsored by the CT Fair Housing Center to learn about your legal rights. Click here for more information. State Mortgage Assistance:
Connecticut Housing Finance Authority can provide information on
borrower assistance programs. Call (877) 571-2432 or (860) 571-3500. Job Training Programs: WorkPlace, Inc. can provide information on their Mortgage Crisis Job Training Program. Call (866) 683-1682. Energy Assistance Programs:
Community Action Agency of New Haven can process applications for the
CT Department of Social Services Energy Assistance Program. Call (203)
387-7700.
Remember, you should NEVER have to pay for help with your mortgage. This document is provided for informational purposes only and not as part of an attorney-client relationship. The information is not a substitute for expert legal or other professional advice tailored to your specific circumstances. |
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