Mortgage Delinquency and Default Counseling

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    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.

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    There are 34 matching records.
    Service NameDescriptionLocationProgramAgency
    ACTION-Housing, Inc. - Mortgage AssistanceAssists homeowners to avoid foreclosure through counseling, working with lenders, and applying to available programs; can also connect to additional social, health and financial resources as well as educational and employment opportunities.AlleghenyMortgage Assistance ProgramACTION-Housing, Inc.
    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
    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
    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
    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 - Armstrong 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.ArmstrongLaurel Legal ServicesLaurel Legal Services
    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 - Indiana CountyProvides free civil legal representation to low-income clients. Cases handled include family, consumer and housing law, emergency child custody cases, utility cut offs, eviction, mortgage foreclosure and tax sale; and public benefits within program priorities. LLS assists survivors of domestic violence in Protection From Abuse actions without regard to income.IndianaLaurel Legal ServicesLaurel Legal Services
    Laurel Legal Services - Jefferson 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.JeffersonLaurel 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
    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
    Mon Valley Initiative - Housing Counseling ProgramPre-purchase housing counseling, reverse mortgage counseling, and homebuyer education.AlleghenyHousing Counseling ProgramMon Valley Initiative
    Nazareth Housing Services - Mortgage CounselingCounsels homeowners delinquent on their mortgage payments to help them avoid foreclosure by taking advantage of governmental assistance programs and negotiating with their mortgage holder.AlleghenyNazareth Housing ServicesNazareth Housing Services
    Neighborhood Legal Services Association - AlleghenyNeighborhood Legal Services Association (NLSA) 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. 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. 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. Please contact the Veterans Leadership Program to obtain a referral.AlleghenyNeighborhood Legal Services AssociationNeighborhood Legal Services Association
    Neighborhood Legal Services Association - BeaverNeighborhood Legal Services Association (NLSA) provides free civil legal services to low income individuals and families without the means to hire a private attorney. 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. While NLSA does not provide assistance with Veterans' Benefits, we can provide legal assistance to eligible veterans who are having problems with their housing, utilities, or other issues within NLSA's priorities. Please contact the Veterans Leadership Program to obtain a referral.BeaverNeighborhood Legal Services AssociationNeighborhood Legal Services Association
    Neighborhood Legal Services Association - LawrenceNeighborhood Legal Services Association (NLSA) provides free civil legal services to low income individuals and families without the means to hire a private attorney. 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. While NLSA does not provide assistance with Veterans' Benefits, we can provide legal assistance to eligible veterans who are having problems with their housing, utilities, or other issues within NLSA's priorities. Please contact the Veterans Leadership Program to obtain a referral.LawrenceNeighborhood 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
    Opportunity, Inc.To Provide Education, Training And Housing Programs For Youth And Adults. Services: Mortgage Assistance Counseling Foreclosure Counseling Home-buyer Counseling Credit Repair Adult Education Programs Including Career Education, Life Skills, Adult Basic Education, Pre-Ged Preparation And Ged Preparation Youth Sports Programs For Children Ages 8 To 18 Tutoring And Career Guidance For Youth And Adults Ages 16 To 23 Summer Camps For Kids Ages 8 To 16 In Grassflats, Pa And Poconos, Pa Annual ScholarshipYorkOpportunity, Inc.Opportunity, Inc.
    Saint Martin Center - Foreclosure PreventionEducates homeowners on topics relating to foreclosure prevention.ErieSaint Martin Center - Main OfficeSaint Martin Center
    Southwestern Pennsylvania Legal Services - Fayette CountyHelps low-income citizens with a variety of civil legal problems, especially those of an emergency nature. Works with clients to improve their ability to be self-sufficient through obtaining and/or enforcing their right to necessary economic, employment, housing, medical and other public resources. Legal services include family law, consumer law, housing, Protection From Abuse, public benefits and unemployment compensation, and mortgage foreclosure avoidance.FayetteSouthwestern Pennsylvania Legal ServicesSouthwestern Pennsylvania Legal Services
    Southwestern Pennsylvania Legal Services - Greene CountyHelps low-income citizens with a variety of civil legal problems, especially those of an emergency nature. Works with clients to improve their ability to be self-sufficient through obtaining and/or enforcing their right to necessary economic, employment, housing, medical and other public resources. Legal services include family law, consumer law, housing, Protection From Abuse, public benefits and unemployment compensation, and mortgage foreclosure avoidance.GreeneSouthwestern Pennsylvania Legal ServicesSouthwestern Pennsylvania Legal Services
    Southwestern Pennsylvania Legal Services - Somerset CountyHelps low-income citizens with a variety of civil legal problems, especially those of an emergency nature. Works with clients to improve their ability to be self-sufficient through obtaining and/or enforcing their right to necessary economic, employment, housing, medical and other public resources. Legal services include family law, consumer law, housing, Protection From Abuse, public benefits and unemployment compensation, and mortgage foreclosure avoidance.SomersetSouthwestern Pennsylvania Legal ServicesSouthwestern Pennsylvania Legal Services
    Southwestern Pennsylvania Legal Services - Washington CountyHelps low-income citizens with a variety of civil legal problems, especially those of an emergency nature. Works with clients to improve their ability to be self-sufficient through obtaining and/or enforcing their right to necessary economic, employment, housing, medical and other public resources. Legal services include family law, consumer law, housing, Protection From Abuse, public benefits and unemployment compensation, and mortgage foreclosure avoidance.WashingtonSouthwestern Pennsylvania Legal ServicesSouthwestern Pennsylvania Legal Services
    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 20410United 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
    Urban League of Greater Pittsburgh - Home Safe Foreclosure Prevention ProgramHelps homeowners prevent foreclosure and helps homeowners whose homes are being foreclosed on. If received an ACT 91 Notice, there is a Foreclosure Prevention Counselor on staff certified to do HEMAP applications to the Pennsylvania Housing Finance Agency (PHFA) which can assist with your housing crisis. The Urban League of Greater Pittsburgh is a HUD certified agency with certified mortgage foreclosure prevention counselors to assist. The Urban League of Greater Pittsburgh may be able to assist with a loan modification that will make mortgage payments affordable based on current set of circumstances. If behind or anticipate falling behind in mortgage payments due to the following: • Loss of income • Illness • Separation • Death of a spouse • Medical bills • Unforeseen ExpensesAlleghenyHousing DepartmentUrban League of Greater Pittsburgh
    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

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