Mortgage Delinquency and Default Counseling

Service Categories
Mortgage Delinquency and Default Counseling has no subcategories

    The structure of the services index and definitions of the terms contained herein were originally published in A Taxonomy of Human Services: A Conceptual Framework with Standardized Terminology and Definitions for the Field by the Information and Referral Federation of Los Angeles County, Inc., 3035 Tyler Ave., El Monte, CA 91731; Copyright (c) 1983, 1987, 1991. No part of this listing of human services terms and definitions may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electrical, mechanical, photocopying, recording or otherwise without the prior written permission of the Information and Referral Federation of Los Angeles County, Inc.

    This file's content displays in the left hand side margin of your Taxonomy - Directory of Services.

    Above is the standard disclaimer required by AIRS INFOLINE, please consult locally or with AIRS as to what is appropriate to post for your system Taxonomy.

    www.211taxonomy.org


    We do NOT recommend that you use MS Word to edit or manage this file, be sure to seek out a program or application that is a valid web authoring tool to do so.

    You will want to be sure to retain the exact file name and extension when editing, saving, and re-uploading this file to your directory.

    RegistrationFooter.incl

    Taxonomy Code: DM-1800.5000

    Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.

    Navigation Tips [+/-]

    by distance from Zip Code:

    There are 55 matching records.
    Service NameDescriptionLocationProgramAgency
    Advantage Credit Counseling Service - AltoonaProvides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops.BlairConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    Advantage Credit Counseling Service - GreensburgProvides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops. Money management classes available at Pittsburgh office.WestmorelandConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    Advantage Credit Counseling Service - LawrenceProvides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops. LawrenceConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    Advantage Credit Counseling Service - PittsburghProvides the following counseling services: budget, credit, bankruptcy, first time homebuyer, reverse mortgage and mortgage delinquency prevention. Debt Management Program available to assist clients in repayment of unsecured debt. Speakers available for group financial literacy workshops. Money management classes available at Pittsburgh office. Most counseling services are available in person, by telephone and via the internet. AlleghenyConsumer Credit Counseling Service of Western PAAdvantage Credit Counseling Service
    BASE - Housing CounselingProvides housing counseling including: - pre-purchase counseling - default and delinquency counseling - foreclosure prevention counseling LancasterBASE, Inc.BASE, Inc
    BCAP - Homeowners Emergency Mortgage Assistance Program (HEMAP)A state program to help those who have worked hard to purchase their homes to keep them during short periods of financial turmoil. The Homeowners Emergency Mortgage Assistance Program provides homeowners who have received an Act 91 notice a chance to apply for a loan to pay their mortgage until they are able to regain their financial footing. Counselors review each individual situation and prepare the necessary paperwork to be mailed to the state for a decision.BerksBerks Community Action ProgramBerks Community Action Program, Inc.
    Blair County Community Action Housing Counseling Program Mortgage Foreclosure InformationInformation and access to resources for people who are finding it difficult to make the mortgage payments on their homes and are at risk for foreclosure.BlairBlair County Community Action Housing Counseling ProgramBlair County Community Action Agency
    Center for Family Services - Main Office - Foreclosure CounselingHousing counselor will assist you in negotiations with your lender for a Loan Modification or a Forbearance Plan, budget counseling, referrals to other services, and will help explore additional refinancing options. People with an Act 91 Notice should contact immediately. They have a limited window to apply for assistance.CrawfordCenter for Family Services - Main OfficeCenter for Family Services
    Clarifi - Foreclosure Prevention & Mortgage DefaultClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.PhiladelphiaClarifi - Philadelphia; Center CityClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - JenkintownProvides counseling to individuals facing potential future delinquency to those whose homes are scheduled for sheriff's sale.MontgomeryJenkintown OfficeClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - LevittownClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.BucksLevittown OfficeClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - MediaClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.DelawareMedia OfficeClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - Northeast PhiladelphiaClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.PhiladelphiaNortheast Philadelphia OfficeClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - North PhiladelphiaClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.PhiladelphiaNorth Philadelphia Law CenterClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - North PhiladelphiaClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.PhiladelphiaNorth Philadelphia OfficeClarifi
    Clarifi - Foreclosure Prevention & Mortgage Default - West ChesterClarifi works with struggling homeowners in all stages from those who are current but facing potential future delinquency to those whose homes are scheduled for sheriff’s sale.ChesterWest Chester OfficeClarifi
    Community Action - Clarion Office - Emergency Shelter and Rent AssistanceAssistance with housing emergencies such as foreclosure, eviction, and essential utility termination (heat, electric, water/sewage), as well as emergency shelter and assistance to locate permanent housing; assistance with budgeting, and addressing other issues affecting the household through referrals to community resources.ClarionCommunity Action - Clarion OfficeCommunity Action
    Community Action Financial Services- Homeowners' Emergency Mortgage Assistance Program: Provide assistance to homeowners at risk of losing their home to sheriff’s sale - Home Ownership Counseling Program: Provides seminars for first time homebuyers. Certificate presented at completion to help acquire lower interest loans. Call for schedule: held 7 times per year. Offered at various locations in both counties. NorthamptonCommunity Action Financial ServicesCommunity Action Committee of the Lehigh Valley
    Community Action Partnership of Mercer County - Housing CounselingProvides housing counseling services to help homeowners avoid foreclosure.MercerCommunity Action Partnership of Mercer County - HousingCommunity Action Partnership of Mercer County
    Congreso de Latinos Unidos - Housing Counseling and Financial Literacy ProgramThe Housing Counseling and Financial Literacy Program assist individuals to secure decent, safe, and sanitary housing via advocacy, counseling, workshops, and education. This program provides: First time homebuyer counseling,  homebuyer workshops (offered the last Tuesday of every month, mortgage delinquency counseling, homeowner services counseling, tenant & landlord counseling.  Rental/Delinquency counselingPhiladelphiaCongreso de Latinos Unidos - Philadelphia; West KensingtonCongreso de Latinos Unidos
    Credit Counseling Center -Doylestown - Mortgage AssistanceMortgage counseling, foreclosure counseling, mortgage assistance ( alternatives to foreclosure).BucksCredit Counseling Center - DoylestownCredit Counseling Center
    Credit Counseling Center - Levittown - Mortgage AssistanceMortgage counseling, foreclosure counseling and mortgage assistance ( alternatives to foreclosure).BucksCredit Counseling Center - LevittownCredit Counseling Center
    Credit Counseling Center- Richboro - Mortgage AssistanceMortgage counseling, foreclosure counseling and mortgage assistance ( alternatives to foreclosure).BucksCredit Counseling Center - RichboroCredit Counseling Center
    Foreclosure Diversion Program - Monroe CountyCourt of the Common Pleas, 43rd Judicial District in Monroe County office this service in an effort to address the increasing number of property foreclosures in the county. Objective of the program is to provide a streamlined, unified process for the resolution of mortgage foreclosure proceedings through court intervention, housing counseling, and conciliation conferences.MonroeMonroe County GovernmentMonroe County Government
    Foreclosure International GroupOffers solutions for your foreclosures issues. Offer foreclosure assistance with everything from in house techniques to legal approaches to help homeowners save their homes from the banks. Whether you are going through a foreclosure, pre-foreclosure, post foreclosure or loan modification we are here to help you get through the process and once again take control.Foreclosure International GroupForeclosure International Group
    Housing Equality Center of Pennsylvania- Fair Housing Enforcement and Education Services Regional ProgramFair Housing Enforcement and Education Services provides: - Counseling for housing discrimination victims on their rights protected under fair housing laws - Information for consumers, nonprofits, and communities on how to recognize and report violations - Testing investigation services for housing discrimination victims - Information on legal options and assistance in navigating the legal process - Random testing to ensure regional compliance with fair housing laws - Technical assistance to prevent discrimination before it occurs - Comprehensive and individually tailored education programs provided on site, online or at FHCSP's training facility in Fort Washington for private landlords, property managers, real estate professionals, consumers, homeowners' associations, housing authority staff, CDBG funded nonprofits, local government, social service agencies, etc.MontgomeryHousing Equality Center of Pennsylvania - Montgomery; Fort WashingtonHousing Equality Center of Pennsylvania
    Housing Opportunities of Beaver County - Mortgage Foreclosure AvoidanceProvides housing counseling services. Helps homeowners whose mortgage delinquency is due to involuntary unemployment, to under-employment or to medical reasons.BeaverHousing Opportunities of Beaver County - Mortgage Foreclosure AvoidanceHousing Opportunities of Beaver County
    Laurel Legal Services - Cambria CountyProvides free civil legal representation to low-income clients. Cases handled include family, consumer and housing law and public benefits within program priorities. LLS assists survivors of domestic violence in Protection From Abuse actions without regard to income.CambriaLaurel Legal ServicesLaurel Legal Services
    Laurel Legal Services - Clarion CountyProvides free civil legal representation to low-income clients. Cases handled include family, consumer and housing law and public benefits within program priorities. LLS assists survivors of domestic violence in Protection From Abuse actions without regard to income.ClarionLaurel Legal ServicesLaurel Legal Services
    Laurel Legal Services - Westmoreland CountyProvides free civil legal representation to low-income clients. Cases handled include family, consumer and housing law and public benefits within program priorities. LLS assists survivors of domestic violence in Protection From Abuse actions without regard to income.WestmorelandLaurel Legal ServicesLaurel Legal Services
    Legal Aid of Southeastern Pennsylvania - Legal Services (Bristol)Provides services in civil cases and small claims dealing with consumer issues (bankruptcy, foreclosures), housing, abuse, elder law, custody and public benefits. Pro bono programs available.BucksLegal Aid of Southeastern Pennsylvania- BristolLegal Aid of Southeastern Pennsylvania (LASP)
    Legal Aid of Southeastern Pennsylvania - Legal Services (Chester)Legal Services at Legal Aid of Southeastern Pennsylvania (LASP) provides services in civil cases and small claims. In addition, Pro Bono programs operating in all five counties are avenues through which private attorneys willing to donate their time, advise and represent low-income clients, victims of domestic abuse and the elderly. Legal Services include: - Consumer problems (including bankruptcy, foreclosures and sheriff's sales) - Custody - Denial/Termination of government benefits - Elder law issues - Housing (including Landlord/Tenant disputes, Public Housing and Section 8) - Protection from abuse - Social Security - Employment (including unemployment compensation and expungement of criminal records) - UtilitiesDelawareLASP - Chester OfficeLegal Aid of Southeastern Pennsylvania (LASP)
    Making Home AffordableGovernment program to help homeowners get mortgage relief and avoid foreclosure. Making Home Affordable programs offer a range of solutions that may be able to help:
    • Refinance and take advantage of low mortgage interest rates.
    • Reduce monthly mortgage payments
    • Get mortgage relief while searching for re-employment
    • Get help when you owe more than your home is worth
    • Avoid foreclosure when homeownership is no longer affordable or desirable.
    Making Home AffordableUnited States Department of Housing and Urban Development
    Money Management International - Philadelphia BranchServices include budget and debt counseling, debt management, foreclosure prevention, reverse mortgage counseling, bankruptcy counseling and financial education workshops. Housing counseling services are available 24 hours / 7 days a week by telephone and Internet or at local offices during business hours. PhiladelphiaMoney Management International - Philadelphia BranchMoney Management International
    Mortgage Foreclosure Program - Dushore - TREHABProvides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.SullivanTREHAB - DushoreTREHAB
    Mortgage Foreclosure Program - Honesdale - TREHABProvides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.WayneTREHAB - HonesdaleTREHAB
    Mortgage Foreclosure Program - Mehoopeny - TREHABProvides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.WyomingTREHAB - MehoopenyTREHAB
    Mortgage Foreclosure Program - Wellsboro - TREHABProvides counseling and other assistance to homeowners who have a mortgage that is threatened by foreclosure. Different types of assistance that may be available to the homeowner, depending on his or her financial situation.TiogaTREHAB - WellsboroTREHAB
    Nazareth Housing Services - Mortgage CounselingCounsels homeowners delinquent on their mortgage payments to help them avoid foreclosure by taking advantage of governmental assistance programs and refers to agencies who can negotiate with their mortgage holder and/or restructure debt.AlleghenyNazareth Housing ServicesCommunity at Holy Family Manor
    Neighborhood Housing Services of Greater Berks, Inc. - Foreclosure Intervention AssistanceProvides foreclosure intervention assistance. Assists individuals to apply for a loan through the Pennsylvania Housing Finance Agency's Home Owners Emergency mortgage Assistance Program (HEMAP).BerksNeighborhood Housing Services of Greater Berks, Inc.Neighborhood Housing Services of Greater Berks, Inc.
    Neighborhood Legal Services Association - AlleghenyProvides free civil legal services to low income individuals and families without the means to hire a private attorney. Provides representation to survivors of domestic violence in Protection from Abuse (PFA) proceedings. May provide direct representation, advice, assistance in self-representation, brief service, limited legal assistance or referral to a private attorney (including free and reduced-fee), depending on case. Provides community education on legal topics. While NLSA does not provide assistance with Veterans' Benefits, they can provide legal assistance to eligible veterans who are having problems with their housing, utilities, or other issues within NLSA's priorities.AlleghenyNeighborhood Legal Services AssociationNeighborhood Legal Services Association
    Neighborhood Legal Services Association - BeaverProvides free civil legal services to low income individuals and families without the means to hire a private attorney. Provides representation to survivors of domestic violence in Protection from Abuse (PFA) proceedings. May provide direct representation, advice, assistance in self-representation, brief service, limited legal assistance or referral to a private attorney (including free and reduced-fee), depending on case. Provides community education on legal topics. While NLSA does not provide assistance with Veterans' Benefits, they can provide legal assistance to eligible veterans who are having problems with their housing, utilities, or other issues within NLSA's priorities.BeaverNeighborhood Legal Services AssociationNeighborhood Legal Services Association
    Neighborhood Legal Services Association - LawrenceProvides free civil legal services to low income individuals and families without the means to hire a private attorney. Provides representation to survivors of domestic violence in Protection from Abuse (PFA) proceedings. May provide direct representation, advice, assistance in self-representation, brief service, limited legal assistance or referral to a private attorney (including free and reduced-fee), depending on case. Provides community education on legal topics. While NLSA does not provide assistance with Veterans' Benefits, they can provide legal assistance to eligible veterans who are having problems with their housing, utilities, or other issues within NLSA's priorities.LawrenceNeighborhood Legal Services AssociationNeighborhood Legal Services Association
    Neighborhood Legal Services Association - Project ShapeNeighborhood Legal Services (NLS) provides free civil legal services to low income individuals and families without the means to hire a private attorney. Provides representation to survivors of domestic violence in Protection from Abuse proceedings; public housing and subsidized housing evictions, denials, and terminations; private housing evictions; mortgage foreclosure; property tax sales; tangled title issues; debt advice; public benefits; employment issues; family law issues; utility terminations; expungements; some bankruptcy; and support and divorce referrals etc. NLS may provide direct representation, advice, assistance in self-representation, brief service/limited legal assistance or referral to a private attorney (including free and reduced-fee), depending on case. Provides community education on legal topics. Free interpretation services are provided to those with limited English abilities and the hearing-impaired. NLS also provides assistance with Veterans' Benefits as well as multiple other areas of legal assistance to eligible veterans who are having problems with their housing, utilities, custody, benefits, employment law, or other legal issues within NLS's priorities. NLS also provides representation in certain civil matters to “crime victims”. NLS in Allegheny County provides legal assistance to those 60 and older in the additional areas such as, Powers of Attorney, and Advanced Directives. These individuals are referred from area senior centers. AlleghenyNeighborhood Legal Services AssociationNeighborhood Legal Services Association
    NeighborWorks - Allegheny CountyProvides free housing counseling services, homebuyer education and financial literacy courses. Foreclosure prevention services help homeowners whose mortgage delinquency is due to involuntary unemployment, adjustable rate resets, income disruption, family/medical emergency, or predatory lending. Provides free credit scores, budgeting advice, and pre-purchase counseling for FHA loans. Satellite Locations:
    • Eastside Neighborhood Employment Center - Garfield,
    • Hosanna House - Wilkinsburg,
    • Human Services Inc. - Turtle Creek,
    • The Kingley Association - Larimer,
    • North Hills Community Outreach,
    • North Side Leadership Conference,
    • NWWPA Homeownership Center - Main Office in Uptown/Downtown Pittsburgh,
    • Lawrence County Community Action Partnership - New Castle,
    • South Hills Interfaith Ministries,
    • Operation Better Block,
    • Veterans's Administration - Delafield Road,
    • Hazelwood.
    AlleghenyNeighborWorks - Western PANeighborWorks Western PA
    NeighborWorks - Lawrence CountyProvides free housing counseling services, home-buyer education and financial literacy courses. Foreclosure prevention services help homeowners whose mortgage delinquency is due to involuntary unemployment, adjustable rate resets, income disruption, family/medical emergency, or predatory lending. Provides free credit scores, budgeting advice, and pre-purchase counseling for FHA loans. Call or email for Satellite Locations nearest you. AlleghenyNeighborWorks - Western PANeighborWorks Western PA
    Northwest Counseling Services - Real Estate and HousingProvides real estate and housing counseling services. Provides expert advice and quality services in the areas of pre and post purchase, pre and post rental, mortgage default/delinquency/foreclosure, ant-predatory lending, rental default, reverse mortgage counseling/certification and housing consumer education.PhiladelphiaNorthwest Counseling Services - Philadelphia; LoganNorthwest Counseling Services
    Remote Housing Counseling - Advantage Credit Counseling Services NEPARemote sessions take about 90 minutes to complete while the traditional face-to-face sessions can take over 2-3 hours. Counselors are certified by PHFA and NeighborWorks. Participants needs to have a Smartphone, tablet, laptop, or desktop computer and a device that has a web camera so that the counselor can clearly see you during the session.LuzerneAdvantage Credit Counseling Services NEPAAdvantage Credit Counseling Services of NEPA
    Saint Martin Center - Main Office - Foreclosure PreventionEducates homeowners on topics relating to foreclosure prevention.ErieSaint Martin Center - Main OfficeSaint Martin Center
    Tabor Community Services - Barshinger Financial Empowerment Center - Mortgage CounselingForeclosure prevention counseling helps people struggling to make their mortgage payments by helping them to: understand their options to avoid foreclosure; access emergency mortgage assistance through HEMAP; work with their lenders to obtain loan modifications. Reverse mortgage counseling helps people who are over 62 to understand reverse mortgages (also known as Home Equity Conversion Mortgage or HECM) and to decide if this is a good option for them. This counseling is required by law before any lender can make a reverse mortgage to a client. LancasterTabor Community Services - Ann B Barshinger Financial Empowerment CenterTabor Community Services, Inc.
    United Communities Southeast Philadelphia - Housing CounselingOffers pre-purchase and post-purchase workshops and counseling, including foreclosure intervention.PhiladelphiaUnited Communities Southeast Philadelphia - Philadelphia; South PhiladelphiaUnited Communities Southeast Philadelphia
    United States Department of Housing and Urban DevelopmentResponsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws. Headquarters (Washington office): 451 Seventh Street, S.W., Washington, DC 20410 888-995-4673 Hope for HomeownersUnited States Department of Housing and Urban DevelopmentUnited States Department of Housing and Urban Development
    United States Department of Housing and Urban Development - Foreclosure Avoidance CounselingHUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. As part of President Obama's comprehensive Homeowner Affordability and Stability Plan (HASP), you may be eligible for a special Making Home Affordable loan modification or refinance, to reduce your monthly payments and help you keep your home. If you need help understanding the Making Home Affordable programs, you can use this search tool to find a counseling agency in your area that will provide you with free foreclosure prevention services. If you are eligible for the loan modification or refinance program, the counselor will work with you to compile an intake package for your servicer. Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Conveniently located housing counseling agencies listed at website in searchable state page. United States Department of Housing and Urban DevelopmentUnited States Department of Housing and Urban Development
    US Department of Housing and Urban Development - Philadelphia Field OfficeResponsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws. Also provides consumers with information on a range of housing issues, including foreclosures and reverse mortgages, and referrals to approved local housing counseling agencies. Headquarters (Washington office): 451 Seventh Street, S.W., Washington, DC 20410PhiladelphiaHUD - Philadelphia Field OfficeUnited States Department of Housing and Urban Development
    US Housing and Urban Development ( HUD )- Pittsburgh Field OfficeHUD / FHA mortgage insurance, low and moderate income and elderly housing programs, community development assistance to local governments, and financial and technical assistance to organizations administering ongoing HUD programs, projects, and developments. Literature and speakers available. In most cases, HUD does not provide direct service to the public. Callers can request the list of HUD - subsidized housing. There are three housing lists, one for families, one for the elderly, and one for persons with disabilities.AlleghenyHUD - Pittsburgh Field OfficeUnited States Department of Housing and Urban Development

    Outline of Categories [+/-]

    Select a main category outline to be viewed: