If Foreclosure is Unavoidable
GET LEGAL HELP IMMEDIATELY!
Get legal help early using an attorney you trust even if the fee is a little higher.
Be realistic about what is possible. If you are unable to afford the home over the long term, your best option may be to sell. (You must get the mortgage company's permission to sell the home for less than what is owed. If you have no equity in the home, you may choose to walk away from it by giving it back to the mortgage company. Loan modifications do not make sense if you will lose the home anyway because of another mortgage problem that cannot be worked out. Do not throw money away.
Click here for a list of legal representatives approved by the City of Jacksonville.
Other supportive services in your area, such as emergency housing, can be found by contacting United Way's 211/First Call for Help at 632-0600, 1/866-318-0211, or, in most regions, 211. This organization is also reachable by accessing their website at http://www.nefl211.org/.
There are also many other organizations that could assist. To find out more about these organizations, click here.