Tennessee Foreclosure Prevention Counselors
Tennessee Housing Counselors are familiar with the various foreclosure prevention arrangements that lenders will consider. Working with a Certified Housing Counselor is a good way to make sure the advice you receive is accurate, reliable, and appropriate. You Certified Housing Counselor will advise on Tennessee law that may help you to avoid foreclosure. Local counselors are also aware of Tennessee and federal programs that provide additional financial, legal or foreclosure assistance that you may need.
Remember, some housing counselors may charge a fee, so be sure to ask whether their services are free when you contact their office. Meet with the counselor before your mortgage payments are too far behind. Our hope is that the information you find here will help you to avoid foreclosure, and we encourage you to take action right away.
Homeownership Preservation Foundation
Homeowner’s HOPE™, a counseling service provided by the Homeownership Preservation Foundation. Since 2002, HOPE foreclosure counselors have provided advice and education to more than 300,000 homeowners.
Homeownership Preservation Foundation helps homeowners avoid foreclosure. Foundation is an independent nonprofit that provides HUD-approved counselors dedicated to helping homeowners and the help is free. HOPE counselors are experts in foreclosure prevention and trained to set up a plan of action designed to stop foreclosure
Foreclosure Legal Assistance Project program offered by Legal Aid
There are eight Legal Aid or Legal Services organizations in Tennessee. These are not-for-profit law offices that give free foreclosure legal help to people who cannot afford to pay a lawyer. Legal Aid cannot help everyone with every legal problem. Even if Legal Aid cannot represent you directly in a case, they may be able to tell you where to get help or give you advice that will help you handle the case yourself.
The Legal Services organizations also have “Pro Bono” programs. Many private attorneys have agreed to help provide free legal help to low income persons through this program. Your case may be referred to a volunteer attorney who will represent you free of charge through the Pro Bono program.
The Legal Aid offices do not charge for the legal foreclosure help that is given. You may have to pay court costs to take a case to court. You may also have to pay for some other expenses, such as, copies of records, court reporters, and so forth. However, you will not be charged for the attorney’s or paralegal’s time or advice.
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