Steps for Help
If you are facing mortgage issues or possible foreclosure, you need to take these steps:
- Get a Housing Counselor. The Attorney General’s Office cannot
represent individuals, but we do assist you by helping to fund homeowner
relief projects that include housing counselors. Specifically, we
contribute to the Washington State Bar Association and the Northwest
Justice Project’s Home Foreclosure Legal Aid Project. A housing
counselor in this program can assist you even if you are not currently
facing foreclosure and the services they provide are free of charge. An
appointment with a housing counselor can be scheduled by calling
- Be Prepared to Gather Documents.
For a bank to be able to review your situation, you will need to supply
your counselor with many documents regarding your income and expenses.
You may also need bank statements, tax returns and pay stubs, along with
other supporting documents. Start gathering these documents and have
them handy. It is not uncommon to have to submit updated documents
throughout the process — this is normal, and timely documents are a
requirement of many of the programs.
- Contact Your
Lender. Call your servicer. A servicer is the company that sends you
your monthly statements. Let them know you are having problems making
your payments and that you are seeking the assistance of a housing
- Do Not Ignore Documents or Mail You Receive.
Your servicer is required to send you timely notifications of the
process and these contain important information regarding your rights.
We know that when you are having trouble making payments it can be
overwhelming, but do not ignore the information you are being sent from
your servicer. Ignoring it will not make it go away and you could miss
- Beware of Scams. Foreclosures are a
public process. Therefore, scammers can simply look through public
records to find homeowners that are facing difficulty. They will send
you official looking solicitations, often claiming to be a government
agency, that promise to assist you in ‘stopping your foreclosure’ or
guaranteeing to get your loan modified for a fee. These are most likely
scams. You should never pay for mortgage relief. Remember, a housing
counselor will assist you for free.