Consumer Resources
If you have received notice of foreclosure, seek legal help immediately
Foreclosure Defense Project, a joint project of 6 non-profit legal service agencies
866-219-5262 if the borrower lives in all counties except those listed below
704 -749-7498 if the borrower lives in Mecklenburg County
800-489-6144 if the borrower lives in Buncombe, Madison, Transylvania, Henderson, Polk, Yancey, and Rutherford Counties.
When calling, tell them that you are facing foreclosure. Legal services may be available to represent a borrower facing foreclosure through the Foreclosure Defense Project. Eligibility is limited to households earning 200% of the federal poverty level. In some areas, funds are also available to serve all seniors, regardless of income, though these funds may run out before the end of the year. Pro bono attorneys have also agreed to donate legal services as part of this effort. The borrower will be referred to an available attorney through the project. The Foreclosure Defense Project is a joint project of six non-profit legal service agencies in North Carolina: Legal Aid of North Carolina, Land Loss Prevention Project, Pisgah Legal Services, Legal Services of Southern Piedmont, Financial Protection Law Center and the North Carolina Justice Center.
NC Academy of Trial Lawyers
The Academy offers NC Free Legal Help, an education program to provide free initial legal information over the phone or by email. Participants will not provide legal advice, but will provide information about the law.
If you are having trouble paying your mortgage or are at risk of falling behind, seek help from a housing counselor immediately
NC Commissioner of Banks Foreclosure Hotline
Servicers initiating foreclosure proceedings on subprime loans made from 2005-2007 must notify the borrower and the NC Commissioner of Banks 45 days in advance. Borrowers receives information about the NC Hotline (from the servicer as well as NCCOB), direct referral to local housing counselors, and tracking of their case. NCCOB can intervene to encourage the servicer to offer a reasonable loan modification, and can delay the foreclosure by 30 additional days. This NC law sunsets 10/31/10.
NC Housing Counseling Agencies participating in the NC Foreclosure Hotline
http://www.ncforeclosurehelp.org/
NC Housing Counseling Agencies with federal funding through NCHFA
http://www.nchfa.com/About/08Press/NFMC_Organizations.pdf, list of 20 agencies
http://www.nchfa.com/About/08Press/NFMC_Counties.pdf, list of 90 counties covered
National HOPE Hotline/ NeighborWorks Center for Foreclosure Solutions 1-888-995-HOPE
NeighborWorks organizations work with the Homeownership Preservation Foundation to support a nationwide assistance number – 888-995-HOPE. Speak to a counselor, day or night, on how to avoid foreclosure. Available in English and Spanish 24/7. www.995hope.org.
