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Avoid Foreclosure: Florida
Don't lose your home! Here is some guidance on default and foreclosure prevention.
Seek Help Early
- Steps to take - act now if you think you will be unable to pay your mortgage
- HUD-approved housing counseling agencies - local agencies that provide FREE foreclosure avoidance counseling
- (888) 995-HOPE - FREE foreclosure prevention counseling on the phone or online
- Florida's Hardest Hit Fund
- Free foreclosure prevention workshops - check our calendar for events in your area
- Financial planning resources
Avoid Scams
- Recognizing, Avoiding and Reporting Scams
- Florida Foreclosure Rescue Fraud Prevention Act of 2008 - do not give money to anyone promising to help you avoid foreclosure without a written agreement and until all services are completed!
- Avoid foreclosure rescue scams
- Recognize predatory lending
- Florida Attorney General's Mortgage Fraud Task Force - report fraud, access current investigations, announcements, and tips
- Florida Office of Financial Regulation - check out a financial institution, file a complaint, read consumer alerts and tips
Know the Law
- Florida foreclosure law summary
- Responding to a foreclosure summons and complaint - self-help information from Legal Services of Greater Miami about foreclosure and other topics
More From HUD
Links
- Know Your Options
- Making Home Affordable Refinance and Modification Options
- Fannie Mae (800) 732-6643
- Freddie Mac (800) 373-3343
- FDIC (IndyMac loans) (800) 781-7399
- VA Regional Loan Center (888) 611-5916
- USDA Rural Development Loan Servicing Center (800) 414-1226
- LoanScamAlert.org
- PreventLoanScam.org
- Federal Trade Commission (877) 382-4357
- More consumer resources
- FBI--Mortgage Fraud
Certainly! The information you provided seems to focus on foreclosure prevention in Florida. I've got quite a bit of knowledge about this topic, so let's break it down:
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Default and Foreclosure Prevention: It's crucial to take action as soon as you foresee difficulties in paying your mortgage. Early intervention is key to avoiding foreclosure. HUD-approved housing counseling agencies offer free counseling to assist in foreclosure avoidance. The toll-free hotline (888) 995-HOPE provides additional counseling resources online or via phone.
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Florida's Hardest Hit Fund: This initiative offers assistance and resources to help homeowners prevent foreclosure. They often organize free workshops and provide financial planning resources to aid individuals in navigating this challenging situation.
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Scam Awareness and Prevention: There are numerous scams related to foreclosure rescue promises. Florida has specific laws, like the 2008 Florida Foreclosure Rescue Fraud Prevention Act, designed to protect homeowners. It's essential not to give money to anyone without a written agreement and until all services are completed. Entities like the Florida Attorney General's Mortgage Fraud Task Force and the Florida Office of Financial Regulation assist in reporting fraud and provide essential consumer alerts.
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Legal Assistance and Knowledge of Rights: Understanding Florida foreclosure laws is crucial when responding to a foreclosure summons and complaint. Organizations like Legal Services of Greater Miami offer self-help information about foreclosure and other legal topics.
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Resources from Various Institutions: There's a plethora of resources available from different institutions to aid homeowners in avoiding foreclosure. These include FHA loan options, guidelines from Fannie Mae, Freddie Mac, VA Regional Loan Center, USDA Rural Development Loan Servicing Center, and organizations like LoanScamAlert.org, PreventLoanScam.org, Federal Trade Commission, and FBI - Mortgage Fraud.
Overall, the key takeaway is to act swiftly, seek help from HUD-approved agencies, be cautious of scams, know your legal rights, and leverage the resources available through governmental and non-governmental institutions to prevent foreclosure in Florida.
