Upcoming Events

Watch this space for upcoming
 Homeowners Legal Clinics


at The Legal Project Office
Stuyvesant Plaza, Albany
Call 518-435-1770 for details

Foreclosure Counseling Agencies

Foreclosure Timeline

Foreclosure Counseling Intake Form

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I'm Having Trouble Paying My Mortgage

• Understanding New York State's Mortgage Foreclosure Process
  
• Budgeting to Weather the Storm (PDF) | Budget Excel File
• Developing a Case for Loan Modification
• Common Mortgage and Foreclosure Terms
• How To Be Your Own Advocate

I've received a foreclosure notice and/or  I've missed 3+ mortgage payments

• Frequently Asked Questions About Foreclosure in New York State
• I Received a Summons and Complaint in Foreclosure - Now What?
• Beware of Loan Modification Scams
• New York State's Mandatory Settlement Conferences
• Getting Help from Federal Programs
• Options for Leaving Your Home and Avoiding Foreclosure

My home has been foreclosed - now what?

• Rebuilding Your Credit Record
  
  
• When Does It Make Sense To Move Toward Homeownership Again?
  
  
• Helpful resources for all homeowners:
  

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Online Resources for All Homeowners

• Find HUD-approved housing counseling agencies in New York State: Click Here To Find Counselors or call 1-800-569-4287


• Find a nonprofit foreclosure counselor by state or zip:
  www.findaforeclosurecounselor.org


• Free foreclosure counseling is available 24 hours a day, seven days a week:
  www.995hope.org or 1-888-995-HOPE


• NeighborWorks America's foreclosure resources:
  nw.org/network/foreclosure/default.asp


• National Foundation for Credit Counseling:
  www.nfcc.org or 1-800-388-2227

Free Legal Assistance

Legal assistance through Legal Aid of NNY and partner agencies - If you have received a summons and complaint from the lender’s attorney, call (518) 462-6765 to obtain legal assistance.

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The Legal Project is a private, not-for-profit organization that believes all people, regardless of income, gender, disability, race, religion, age, sexual orientation or ethnicity should have access to legal services. Call (518) 435-1770 to obtain legal assistance.

How To Avoid Foreclosure Booklet

Glossary of Foreclosure Terms

Photo by Chris Dlugosz