Urgent path

If a sale is scheduled, use the three-call plan today.

Do not assume that an application, appeal, phone promise, property listing, or bankruptcy consultation stopped the sale.

Verify

Confirm the sale date, time, place, and current status with the servicer and an official source.

Contact the servicer, a HUD-approved counselor, and local legal help today.

Record names, times, reference numbers, required documents, and every statement about the sale.

Call 1

Ask whether the sale remains active, what is required to stop or postpone it, and whether your application is complete.

Call 2

Lead with the sale date. Ask for help reviewing the application and working with the servicer.

Call 3

Ask about court dates, sale timing, application protections, bankruptcy, ownership, and any servicing error.