Plan and servicer
HUD-approved housing counselor
Free help organizing options, budget, documents, and servicer communication.
Search official counselor listFind legitimate help
Start with free and official help before a commercial promise.
A housing counselor can help with the plan. Local legal help can protect deadlines and rights.
Deadlines and rights
Civil legal aid
Use Legal Services Corporation's finder for funded legal-aid organizations in your area.
Find legal aidServicing problem
CFPB mortgage complaint
Document the issue and contact the company first. CFPB accepts mortgage complaints.
Open CFPB complaint guideBefore paying anyone
Pause when someone guarantees an outcome.
- Do not pay upfront for a mortgage-relief promise.
- Do not transfer title to someone who claims it will protect the home.
- Do not stop speaking with the servicer because a third party told you to.