Have you Discovered yourself Delinquent on Your Loan? (#1) · Issues · Suzanne Abbott / bhoosampatti

Have you Discovered yourself Delinquent on Your Loan?

housingworks.org
Are you falling behind on your monthly mortgage payments? Have you found yourself overdue on your loan? You are not alone. Millions of individuals have trouble with their mortgage every year but foreclosure can often be prevented. Don't hesitate or embarrassed to request for assistance. The following tips may assist you avoid foreclosure.

Contact the Foreclosure Assistance Hotline Contact Your Mortgage Lender or Servicer Contact a HUD-Approved Housing Counselor Explore Refinancing, Loan Modification, and Mortgage Assistance Programs Consider a Reverse Mortgage Contact Legal Services Attend a Foreclosure Prevention Clinic Request the Foreclosure Mediation Program Contact the CT Association for Community Action (CAFCA). Contact the Department of Social Service and Housing Programs. Contact the Mortgage Crisis Job Training Program. Contact Veterans Affairs. Avoid Foreclosure "Rescue" Scams. Protect Your Pet. Rights and Responsibilities of Landlords and Tenants in Foreclosed Properties

Helpful Resources

Foreclosure Hotline Bulletin. Boletín de la Línea Directa para Ejecución Hipotecaria

Contact the Foreclosure Hotline: 1-877-472-8313

The toll-free hotline, 1-877-472-8313, is open Monday-Friday 8:00 a.m. to 5:00 p.m. You can leave a message after hours and your call will be returned within two company days.

Contact Your Mortgage Lender or Servicer

Act early. Contact your lender as quickly as you discover yourself not able to make your monthly payment and make your lender knowledgeable about your monetary troubles. A workout may consist of sensible options and payment plans. More than one-third of those who take effort and seek support achieve success in finding foreclosure options.

Banks and banks will frequently work with delinquent borrowers and find affordable arrangements rather than foreclosing on the loans immediately.

Don't neglect letters from your lending institution if you miss payments. It is essential to understand that if you miss numerous mortgage payments and your loan remains in default, your loan provider might start foreclosure procedures. You can make missed payments, plus any late fees, or get evaluated for mortgage assistance with your lender. It is crucial that you call your lending institution since lenders who believe you are acting in good faith will be ready to work with you.

Take actions to avoid a foreclosure as quickly as you recognize you are having difficulty paying. Be proactive. You can:

1. Take control and make or take the call. Review the terms and conditions of your mortgage. Call your loan provider about your alternatives to avoid foreclosure. 2. Learn about regional, state, and national resources to assist with your financial resources and to work with your lender. 3. Avoid scams. Scammer try to benefit from property owners in default or foreclosure by charging countless dollars for incorrect promises of help. 4. Submit a complete application for mortgage assistance early. Your lender is needed under new Consumer Financial Protection Bureau (CFPB) rules to offer an evaluation of foreclosure alternatives. Submit a query or complaint to the Department of Banking.

Contact a HUD-Approved Housing Counselor

- Assist in identifying options to your financial concerns.

Review your budget.
Negotiate with your mortgage business to deal with problems, consisting of federal and CHFA programs.
Assist in preparing for the Judicial Foreclosure Mediation Program.

Phone: 1-800-569-4287. Website: HUD Approved Housing Counseling Agencies in Connecticut

Contact Homeowner's HOPE

Homeowner's HOPE, a service of the not-for-profit Homeownership Preservation Foundation and NeighborWorks America, is a toll-free hotline to help house owners prevent foreclosure by supplying complimentary assistance consisting of an action strategy, and is available 24 hours a day, 7 days a week.

Phone: 1-888-995-HOPE (4673 )

Contact the Department of Housing and Urban Development (HUD): 860-240-4800

The U.S. Department of Housing and Urban Development (HUD) Hartford Field Office can address your issues relating to HUD loans.

Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800

Have a look at the HUD site, which uses assistance to house owners on Avoiding Foreclosure

Check into Refinancing, Loan Modification, and Mortgage Assistance Programs

Fannie Mae:

Discover if your loan is owned by Fannie Mae. Options and resources offered from Fannie Mae.

Freddie Mac:

Discover if your loan is owned by Freddie Mac. Explore alternatives for aid with your mortgage available from Freddie Mac.

Guaranteed by FHA:

- Discover if your loan is ensured by FHA by calling your loan provider. Information on avoiding foreclosure is discovered on the HUD site.

Contact Connecticut Housing Finance Authority (CHFA)

CHFA offers mortgage funding at rates below the conventional market to offer inexpensive options to low and moderate income first-time property buyers in Connecticut.

Phone: (860) 721-9501/ (877) 571-CHFA (2432 ). E-mail: customer.service@chfa.org!.?.! Emergency Mortgage Assistance Program( EMAP) EMAP is administered by CHFA to

offer emergency mortgage help payments to qualified property owners suffering a financial hardship. Assistance is in the kind of a 30-year, fixed rate fully amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service
has loan programs that may be available to re-finance your mortgage if you remain in risk of foreclosure, have a fixed rate mortgage, and depending on your family earnings and the location of your home. Contact USDA for available programs, certifications, income guidelines and loan limits. Windham & New London Counties:. Norwich Service Center. 238 West Town Street. Norwich, CT 06360.

Phone:( 860) 859-5218, X 200 or X 201 Tolland, Middlesex, Hartford, Litchfield, New Haven & Fairfield Counties: Windsor Service Center.

100 Northfield Drive, fourth floor. Windsor, CT 06095-4729. Phone:

( 860) 688-7725, X 130 Review FHA Streamlined Refinancing FHA Streamlined Refinance enables you to minimize the rate of interest on the

existing mortgage quickly and without an appraisal. -If you have an existing FHA loan, contact the FHA National Servicing Center at 877-622-8525.- If you have questions concerning the refinancing programs, get in touch with the FHA Resource Center at 1-800-225-5342, 8 am- 8 pm EST, Monday- Friday. Consider a Reverse Mortgage If one or both of the property owners on the title is over age 62, you might wish to consider a reverse
mortgage. The Consumer Financial
Protection Bureau and the Federal Trade Commission provide info on reverse mortgages. CHFA offers a Reverse Annuity Mortgage that permits a low-income property owner who is at least 70 years of age, with a need

for long-term care or helpful services, to utilize the equity in his or her single-family home, condominium or prepared system development to provide a monthly tax-free cash payment or swelling sum at the closing. Contact CHFA, at( 860 )517-3502 or 1-877-571-2432. Contact Legal Services There are numerous choices for complimentary and inexpensive legal help in Connecticut if you have mortgage and/or foreclosure issues. Attend the Volunteer Attorney Program (VAP )Volunteer lawyers are available through a State of Connecticut Judicial Branch program for suggestions and to answer questions about foreclosure and mortgage problems. Homeowners
facing foreclosure throughout Connecticut are welcome to attend at any court house. The Foreclosure Volunteer Attorney Program will be held every 1st and 3rd Wednesday of the month from 2:00 PM to 4:00 PM. See the schedule for particular dates. Please note: The schedules go through change due to the availability of volunteers, vacations, and harsh weather condition. To verify the volunteer attorney program schedule, please call 860-263-2734. Contact the County Bar Associations' Lawyer Referral Service County Bar Associations in Connecticut have a Lawyer Referral Service, with an attorney who can respond to legal concerns. Appointments are$ 25 -$ 40 depending upon the county. Services beyond the

initial half hour are at the lawyer's market rate. Hartford County *- 860-525-6052-$ 35 fee for 1/2 hour assessment. New Haven County- 203-562-5750-$ 35 fee for 1/2 hour consultation. New London County- 860-889-9384- $25.75 cost for 1/2 hour consultation * The Hartford County Bar likewise covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services supplies complimentary legal suggestions and support to low-income individuals with noncriminal legal matters, consisting of landlord/tenant concerns and foreclosure cases
resulting in Housing Court evictions. Note: Does not presently provide foreclosure assistance.

Phone:( 860) 344-0380( Central Connecticut & Middletown ), or 1-800-453-3320( for other regions ). Reference: Foreclosure: Your Rights and Options Visit a Court Service Center Court Service Centers readily available at some Superior Court areas offer the following to Connecticut homeowners: complimentary printers, fax machines, copiers, scanners, phones

, electronic filing, work space, personnel assistance, Notary Public Services, calendar and docket info, court forms, judicial publications, and work
space. Superior Court areas:
Ansonia-Milford, Danbury, Fairfield, Hartford, Litchfield, Meriden, Middlesex, New Britain, New Haven, Norwich, Stamford, Tolland, Waterbury, and Windham.

Contact the Consumer Law for Elders (CLPE): 1-800-296-1467

Consumer Law Project for Elders (CLPE), a service of Statewide Legal Services, provides complimentary legal support to Connecticut seniors 60 and over who have customer concerns or problems, including financial obligation collection, predatory loaning and identity theft. Note: Does not offer foreclosure services.

Attend a Foreclosure Advice Virtual Meeting

The Connecticut Fair Housing Center uses property owners at threat of foreclosure the opportunity to set up a free Foreclosure Advice Virtual Meeting to speak to an attorney and receive advice about foreclosure. Eligible individuals will be able to arrange 15-minute appointments on set dates with an attorney.

Phone: 1-888-247-4401 or toll complimentary: 888-247-4401 Reference: Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners

The Connecticut Fair Housing Center, a non-profit company in Hartford, works as a resource for borrowers, housing counselors, customer attorneys, and policy makers on foreclosure avoidance, accountable financing, and mortgage lending discrimination.

Request the Foreclosure Mediation Program

Foreclosure is a court process and you need to follow the process thoroughly to safeguard your rights. If you have actually been served with a summons and complaint and can not work with an attorney to represent you or you do not qualify for totally free legal assistance, you might represent yourself. The Judicial Department provides FAQs for persons who wish to represent themselves in court, which consists of information about filing an Appearance form. Filing an Appearance entitles you to get all court notifications and calendars worrying your foreclosure at the address you offer in the Appearance.

Foreclosure Mediation Program is a voluntary program that was developed in 2008, by the Chief Court Administrator in each judicial district to assist house owners whose one-to-four family, owner-occupied residential property in Connecticut is the subject of a foreclosure action. The homeowner/borrower must submit a Foreclosure Mediation Certificate type (JD-CV-108), and an Appearance kind (JD-CL-12). These types must be submitted not more than fifteen (15) days from the return date on the Summons.

If you have questions about the Foreclosure Mediation Program, please contact Julia Xia at 860-263-2734, ext. 3041, or email her at Yujia.Xai@jud.ct.gov.

Contact the CT Association for Community Action (CAFCA)

Connecticut's 12 Community Action Agencies (CAAs) help individuals fulfill immediate requirements through services such as expulsion and foreclosure avoidance, energy/heating assistance, food pantries, and Weatherization. CAAs also empower individuals to improve their monetary future through employment services, financial literacy training, and other programs.

To find your local CAA check out the Connecticut Association for Community Action, or call (860) 832-9438.

Contact the Department of Social Services and Review Housing Programs

2-1-1 is a collaboration in between the State of Connecticut and United Way of Connecticut to offer a single source of info to Connecticut homeowners to help them in locating community services, human services and crisis intervention services in your area. Professional call specialists assist callers evaluate their situation and find proper services utilizing an extensive database of human service resources.

Connecticut Department of Social Services (DSS), the Connecticut Housing Finance Authority, United Way's 2-1-1 Infoline, the U.S. Department of Housing and Urban Development and the U.S. Department of Agriculture - Rural Development are founding sponsors of a complimentary housing computer system registry to help individuals discover accessible and cost effective rental housing in Connecticut. For information, call 1-877-428-8844 (en español, 1-877-428-8844, ext. 204).

Contact the Mortgage Crisis Job Training Program

The state-funded Mortgage Crisis Job Training Program is a job of The WorkPlace, Inc. and Capital Workforce Partners that helps homeowners increase their task skills and earning potential through customized work services and job training scholarships.

Phone: 1-866-683-1682

Contact Veterans Affairs

The State of Connecticut Department of Veterans' Affairs, Office of Advocacy and Assistance provides assistance to veterans, qualified partners and dependents in obtaining veterans advantages under federal, state and regional laws.

Phone: 1-866-9CT-VETS (1-866-928-8387) for the Veterans Info Line

The Soldiers', Sailors' and Marines' Fund is a company of the State of Connecticut developed to assist clingy wartime veterans and their families and is administered by The American Legion. Connecticut veterans requiring support might get in touch with a full-time Veterans Aid Investigator to discuss their situation, the help that may be readily available and how to apply. Assistance, which might consist of assistance with mortgage interest payments, is attended to short-term durations just.

Phone: 1-800-491-4941

The U.S. Department of Veterans Affairs Mortgage Guaranty Program helps eligible veterans, active responsibility personnel, Reserve members and National Guard personnel with getting and retaining a home. If you have a VA loan and are having a problem paying, the program may have the ability to set up a payment plan or other alternative to foreclosure. For mortgage counseling, contact the Regional Loan Center for Connecticut at:

Phone: 1-800-827-6311 or 1-800-827-0336

Avoid Foreclosure "Rescue" Scams

People in foreclosure are often targeted for foreclosure rescue scams. Be very mindful of non-lawyers who ask you to pay a fee for a counseling service, adjustment of an existing loan, or foreclosure avoidance, or claim to be able to perform a "forensic audit" of your loan files, no matter their promises or claims. Many out-of-state attorneys target Connecticut residents: you need to never ever pay lawyers that you do not fulfill. To learn more, see Mortgage Relief Scams from the FTC and the CFPB's How to Spot and Avoid Foreclosure Relief Scams.

In a few of these "rescue" rip-offs, a scam artist assures to help you conserve your home, but is in fact bent on stealing your home or the majority of the equity you have actually built up in your house. According to the FTC, the following are warning indications of a mortgage relief rip-off:

Scammers will demand payment in advance, before you get any services. That's unlawful - and a warning indication to avoid them. Scammers may want you to pay only by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay in this manner due to the fact that it's hard to get your cash back. Scammers might try to encourage you to transfer the deed to your home to them. The deed is the legal document that proves who owns the home. If you transfer the deed, you're not likely to get it back.
Scammers might impersonate a foreclosure avoidance specialist, however truly is a counterfeit therapist who charges substantial charges in exchange for making a couple of phone calls or finishing some paperwork that a house owner could easily provide for himself. None of the actions result in saving the home. Turning to a HUD-approved counselor for help is one way to avoid this kind of scams.

Protect Your Pet

Pets are not just buddies, however part of the family. If you are faced with foreclosure and require to move where pets are not permitted, or if you can no longer afford to preserve your family pet, please do not desert your animal. Try to discover a friend, co-worker or member of the family happy to accept your pet.

[housingworks.org](https://www.housingworks.org/) Are you falling behind on your monthly mortgage payments? Have you found yourself overdue on your loan? You are not alone. Millions of individuals have trouble with their mortgage every year but foreclosure can often be prevented. Don't hesitate or embarrassed to request for assistance. The following tips may assist you avoid foreclosure. 
 Contact the Foreclosure Assistance Hotline
Contact Your Mortgage Lender or Servicer
Contact a HUD-Approved Housing Counselor
Explore Refinancing, Loan Modification, and Mortgage Assistance Programs
Consider a Reverse Mortgage
Contact Legal Services
Attend a Foreclosure Prevention Clinic
Request the Foreclosure Mediation Program
Contact the CT Association for Community Action (CAFCA).
Contact the Department of Social Service and [Housing](https://yourlandstore.co.uk) Programs.
Contact the Mortgage Crisis Job Training Program.
Contact Veterans Affairs.
Avoid Foreclosure "Rescue" Scams.
Protect Your Pet.
Rights and Responsibilities of Landlords and Tenants in Foreclosed Properties 
 Helpful Resources 
 Foreclosure Hotline Bulletin.
Boletín de la Línea Directa para Ejecución Hipotecaria 
 Contact the Foreclosure Hotline: 1-877-472-8313 
 The toll-free hotline, 1-877-472-8313, is open Monday-Friday 8:00 a.m. to 5:00 p.m. You can leave a message after hours and your call will be returned within two company days. 
 Contact Your Mortgage Lender or Servicer 
 Act early. Contact your lender as quickly as you discover yourself not able to make your monthly payment and make your lender knowledgeable about your monetary troubles. A workout may consist of sensible options and payment plans. More than one-third of those who take effort and seek support achieve success in finding foreclosure options. 
 Banks and banks will frequently work with delinquent borrowers and find affordable arrangements rather than foreclosing on the loans immediately. 
 Don't [neglect letters](https://www.realesta8.com) from your [lending institution](https://altamiz.com) if you miss payments. It is essential to understand that if you miss numerous mortgage payments and your loan remains in default, your loan provider might start foreclosure procedures. You can make missed payments, plus any late fees, or get evaluated for mortgage assistance with your lender. It is crucial that you call your lending institution since lenders who believe you are acting in good faith will be ready to work with you. 
 Take actions to avoid a foreclosure as quickly as you recognize you are having difficulty paying. Be proactive. You can: 
 1. Take control and make or take the call. Review the terms and conditions of your mortgage. Call your loan provider about your alternatives to avoid foreclosure.
2. Learn about regional, state, and national resources to assist with your financial resources and to work with your lender.
3. Avoid scams. Scammer try to benefit from property owners in default or foreclosure by charging countless dollars for incorrect promises of help.
4. Submit a complete application for mortgage assistance early. Your lender is needed under new Consumer Financial [Protection Bureau](https://drakebayrealestate.com) (CFPB) rules to offer an evaluation of foreclosure alternatives.
Submit a query or complaint to the Department of Banking. 
 Contact a HUD-Approved Housing Counselor 
 - Assist in identifying options to your financial concerns.
- Review your budget.
- Negotiate with your mortgage business to deal with problems, consisting of federal and CHFA programs.
- Assist in preparing for the Judicial Foreclosure Mediation Program. 
 Phone: 1-800-569-4287.
Website: HUD Approved Housing Counseling Agencies in Connecticut 
 Contact Homeowner's HOPE 
 Homeowner's HOPE, a service of the not-for-profit Homeownership Preservation Foundation and NeighborWorks America, is a toll-free hotline to help house owners prevent foreclosure by supplying complimentary assistance consisting of an action strategy, and is available 24 hours a day, 7 days a week. 
 Phone: 1-888-995-HOPE (4673 ) 
 Contact the Department of Housing and Urban Development (HUD): 860-240-4800 
 The U.S. Department of Housing and Urban Development (HUD) Hartford Field Office can address your issues relating to HUD loans. 
 Contact: Suzanne Piacentini, Field Office Director.
Phone: (860) 240-4800 
 Have a look at the HUD site, which uses assistance to house owners on Avoiding Foreclosure 
 Check into Refinancing, Loan Modification, and Mortgage Assistance Programs 
 Fannie Mae: 
 Discover if your loan is owned by Fannie Mae.
Options and resources offered from Fannie Mae. 
 Freddie Mac: 
 Discover if your loan is owned by Freddie Mac.
Explore alternatives for aid with your mortgage available from Freddie Mac. 
 Guaranteed by FHA: 
 - Discover if your loan is ensured by FHA by calling your loan provider.
Information on avoiding foreclosure is discovered on the [HUD site](https://mrentals.ca). 
 Contact Connecticut Housing Finance Authority (CHFA) 
 CHFA offers mortgage funding at rates below the conventional market to offer inexpensive options to low and moderate income first-time property buyers in [Connecticut](https://islandhomefiji.com). 
 Phone: (860) 721-9501/ (877) 571-CHFA (2432 ).
E-mail: customer.service@chfa.org!.?.! Emergency Mortgage Assistance Program( EMAP) EMAP is [administered](https://vintara.co.uk) by CHFA to 
 offer emergency mortgage help payments to qualified property owners suffering a financial hardship. Assistance is in the kind of a 30-year, fixed rate fully amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service
 has loan programs that may be available to re-finance your mortgage if you remain in risk of foreclosure, have a fixed rate mortgage, and depending on your family earnings and the [location](https://ban-rai.com) of your home. Contact USDA for available programs, certifications, income guidelines and loan limits. Windham & New London Counties:. Norwich Service Center. 238 West Town Street. Norwich, CT 06360. 
 Phone:( 860) 859-5218, X 200 or X 201 Tolland, Middlesex, Hartford, Litchfield, New Haven &
Fairfield Counties: Windsor Service Center. 
 100 Northfield Drive, fourth floor. Windsor, CT 06095-4729. Phone: 
 ( 860) 688-7725, X 130 Review FHA Streamlined Refinancing FHA Streamlined Refinance enables you to minimize the rate of interest on the 
 existing mortgage quickly and without an appraisal. -If you have an existing FHA loan, contact the FHA National Servicing Center at 877-622-8525.- If you have questions concerning the refinancing programs, get in touch with the [FHA Resource](https://skroyalgroup.com) Center at 1-800-225-5342, 8 am- 8 pm EST, Monday- Friday. Consider a Reverse Mortgage If one or both of the property owners on the title is over age 62, you might wish to consider a reverse mortgage. The Consumer Financial
 Protection Bureau and the Federal Trade Commission provide info on reverse mortgages. CHFA offers a Reverse Annuity Mortgage that permits a low-income property owner who is at least 70 years of age, with a need 
 for long-term care or helpful services, to utilize the equity in his or her single-family home, condominium or prepared system development to provide a monthly tax-free cash payment or swelling sum at the closing. Contact CHFA, at( 860 )517-3502 or 1-877-571-2432. Contact Legal Services There are numerous choices for complimentary and inexpensive legal help in Connecticut if you have mortgage and/or foreclosure issues. Attend the Volunteer Attorney Program (VAP )Volunteer lawyers are available through a State of Connecticut Judicial Branch program for suggestions and to answer questions about foreclosure and mortgage problems. Homeowners facing foreclosure throughout Connecticut are welcome to attend at any court house. The Foreclosure Volunteer Attorney Program will be held every 1st and 3rd Wednesday of the month from 2:00 PM to 4:00 PM. See the schedule for particular dates. Please note: The schedules go through change due to the availability of volunteers, vacations, and harsh weather condition. To verify the volunteer attorney program schedule, please call 860-263-2734. Contact the County Bar Associations' Lawyer Referral Service County Bar Associations in Connecticut have a Lawyer Referral Service, with an attorney who can respond to legal concerns. Appointments are$ 25 -$ 40 depending upon the county. Services beyond the 
 initial half hour are at the lawyer's market rate. Hartford County *- 860-525-6052-$ 35 fee for 1/2 hour assessment. New Haven County- 203-562-5750-$ 35 fee for 1/2 hour consultation. New London County- 860-889-9384- $25.75 cost for 1/2 hour consultation * The Hartford County Bar likewise covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services supplies complimentary legal suggestions and support to low-income individuals with noncriminal legal matters, consisting of landlord/tenant concerns and foreclosure cases
 resulting in Housing Court evictions. Note: Does not presently provide foreclosure assistance. 
 Phone:( 860) 344-0380( Central Connecticut & Middletown ), or 1-800-453-3320( for other regions ). Reference: Foreclosure: Your Rights and Options Visit a Court Service Center [Court Service](https://navyareality.com) Centers readily available at some Superior Court areas offer the following to Connecticut homeowners: complimentary printers, fax machines, copiers, scanners, phones 
 , electronic filing, work space, personnel assistance, Notary Public Services, calendar and docket
info, court forms, judicial publications, and work space. Superior Court areas:
 Ansonia-Milford, Danbury, Fairfield, Hartford, Litchfield, Meriden, Middlesex, New Britain, New Haven, Norwich, Stamford, Tolland, Waterbury, and Windham. 
 Contact the Consumer Law for Elders (CLPE): 1-800-296-1467 
 Consumer Law Project for Elders (CLPE), a service of Statewide Legal Services, provides complimentary legal support to Connecticut seniors 60 and over who have customer concerns or problems, including financial obligation collection, predatory loaning and identity theft. Note: Does not offer foreclosure services. 
 Attend a Foreclosure Advice Virtual Meeting 
 The Connecticut Fair Housing Center uses property owners at threat of foreclosure the opportunity to set up a free Foreclosure Advice Virtual Meeting to speak to an attorney and receive advice about foreclosure. Eligible individuals will be able to arrange 15-minute appointments on set dates with an attorney. 
 Phone: 1-888-247-4401 or toll complimentary: 888-247-4401
Reference: Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners 
 The Connecticut Fair Housing Center, a non-profit company in Hartford, works as a resource for borrowers, housing counselors, customer attorneys, and policy makers on foreclosure avoidance, accountable financing, and mortgage lending discrimination. 
 Request the Foreclosure Mediation Program 
 Foreclosure is a court process and you need to follow the process thoroughly to safeguard your rights. If you have actually been served with a summons and complaint and can not work with an attorney to represent you or you do not qualify for totally free legal assistance, you might represent yourself. The Judicial Department provides FAQs for persons who wish to represent themselves in court, which consists of information about filing an Appearance form. Filing an Appearance entitles you to get all court notifications and calendars worrying your foreclosure at the address you offer in the Appearance. 
 Foreclosure Mediation Program is a voluntary program that was developed in 2008, by the Chief Court Administrator in each judicial district to assist house owners whose one-to-four family, owner-occupied residential property in Connecticut is the subject of a foreclosure action. The homeowner/borrower must submit a Foreclosure Mediation Certificate type (JD-CV-108), and an Appearance kind (JD-CL-12). These types must be submitted not more than fifteen (15) days from the return date on the Summons. 
 If you have questions about the Foreclosure Mediation Program, please contact Julia Xia at 860-263-2734, ext. 3041, or email her at Yujia.Xai@jud.ct.gov. 
 Contact the CT Association for Community Action (CAFCA) 
 Connecticut's 12 Community Action Agencies (CAAs) help individuals fulfill immediate requirements through services such as expulsion and foreclosure avoidance, energy/heating assistance, food pantries, and Weatherization. CAAs also empower individuals to improve their monetary future through employment services, financial literacy training, and other programs. 
 To find your local CAA check out the Connecticut Association for Community Action, or call (860) 832-9438. 
 Contact the Department of Social Services and Review Housing Programs 
 2-1-1 is a collaboration in between the State of Connecticut and United Way of Connecticut to offer a single source of info to Connecticut homeowners to help them in locating community services, human services and crisis intervention services in your area. Professional call specialists assist callers evaluate their situation and find proper services utilizing an extensive database of human service resources. 
 Connecticut Department of Social Services (DSS), the Connecticut Housing Finance Authority, United Way's 2-1-1 Infoline, the U.S. Department of Housing and Urban Development and the U.S. Department of Agriculture - Rural Development are founding sponsors of a complimentary housing computer system registry to help individuals discover accessible and cost effective rental housing in Connecticut. For information, call 1-877-428-8844 (en español, 1-877-428-8844, ext. 204). 
 Contact the Mortgage Crisis Job Training Program 
 The state-funded Mortgage Crisis Job Training Program is a job of The WorkPlace, Inc. and Capital Workforce Partners that helps homeowners increase their task skills and earning potential through customized work services and job training scholarships. 
 Phone: 1-866-683-1682 
 Contact Veterans Affairs 
 The State of Connecticut Department of Veterans' Affairs, Office of Advocacy and Assistance provides assistance to veterans, qualified partners and dependents in obtaining veterans advantages under federal, state and regional laws. 
 Phone: 1-866-9CT-VETS (1-866-928-8387) for the Veterans Info Line 
 The Soldiers', Sailors' and Marines' Fund is a company of the State of [Connecticut developed](https://monnara.co) to assist clingy wartime veterans and their families and is administered by The American Legion. Connecticut veterans requiring support might get in touch with a full-time Veterans Aid Investigator to discuss their situation, the help that may be readily available and how to apply. Assistance, which might consist of assistance with mortgage interest payments, is attended to short-term durations just. 
 Phone: 1-800-491-4941 
 The U.S. Department of Veterans Affairs Mortgage Guaranty Program helps eligible veterans, active responsibility personnel, Reserve members and National Guard personnel with getting and retaining a home. If you have a VA loan and are having a problem paying, the program may have the ability to set up a payment plan or other alternative to foreclosure. For mortgage counseling, contact the Regional Loan Center for Connecticut at: 
 Phone: 1-800-827-6311 or 1-800-827-0336 
 Avoid Foreclosure "Rescue" Scams 
 People in foreclosure are often targeted for foreclosure rescue scams. Be very mindful of non-lawyers who ask you to pay a fee for a counseling service, adjustment of an existing loan, or foreclosure avoidance, or claim to be able to perform a "forensic audit" of your loan files, no matter their promises or claims. Many out-of-state attorneys target Connecticut residents: you need to never ever pay lawyers that you do not fulfill. To learn more, see Mortgage Relief Scams from the FTC and the CFPB's How to Spot and Avoid Foreclosure Relief Scams. 
 In a few of these "rescue" rip-offs, a scam artist assures to help you conserve your home, but is in fact bent on stealing your home or the majority of the equity you have actually built up in your house. According to the FTC, the following are warning indications of a mortgage relief rip-off: 
 Scammers will demand payment in advance, before you get any services. That's unlawful - and a warning indication to avoid them.
Scammers may want you to pay only by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay in this manner due to the fact that it's hard to get your cash back.
Scammers might try to encourage you to transfer the deed to your home to them. The deed is the legal document that proves who owns the home. If you transfer the deed, you're not likely to get it back.
- Scammers might impersonate a foreclosure avoidance specialist, however truly is a counterfeit therapist who charges substantial charges in exchange for making a couple of phone calls or finishing some paperwork that a house owner could easily provide for himself. None of the actions result in saving the home. Turning to a HUD-approved counselor for help is one way to avoid this kind of scams. 
 Protect Your Pet 
 Pets are not just buddies, however part of the family. If you are faced with foreclosure and require to move where pets are not permitted, or if you can no longer afford to preserve your family pet, please do not desert your animal. Try to discover a friend, co-worker or member of the family happy to accept your pet.