If you are at-risk of foreclosure and need help, communication is key. Here are two numbers you can call for assistance. And, as always, you can contact any of my offices for additional help.

Consumer Credit Counseling Service
1-702-364-0344

Consumer Credit Counseling Service is the nation’s oldest consumer credit counseling organization. The agency helps consumers learn to manage their finances, balance their budgets and get out of debt. Their services are confidential and counselors are available in person, over the telephone, or via the internet.

Addtional Hotline Numbers

888-995-HOPE is available:

• To any homeowner in America having trouble paying their mortgage
  
  
• Any time--24/7

888-995-HOPE offers:

• Absolutely free foreclosure prevention counseling by expert counselors at HUD-approved agencies.

When a constituent calls 888-995-HOPE:

• Service begins immediately—the counselors themselves answer the phone
  
  
• Homeowners can get budgeting help, a written financial plan, assistance contacting their lender
  
  
• If they'd like face-to-face counseling, they are referred to their local NeighborWorks® agency or other counseling agencies
  
  
• If they need additional services, they are referred to agencies in their area.

The details:

888-995-HOPE is provided free of charge by the Homeownership Preservation Foundation, a nonprofit dedicated to preserving homeownership. The Foundation partners with local governments, nonprofits, borrowers, and mortgage lenders/servicers to deliver innovative homeownership preservation opportunities.

In 2006, over 40,000 homeowners sought help through our counseling. Nearly half have avoided foreclosure by working out new loan terms or by selling their home. Currently call volume is increasing by 25% every 6-8 weeks. Callers tend to be female, married, with children, mid to lower income.

In-person counseling is provided by NeighborWorks® organizations, located around the country in all 50 states, Puerto Rico and the District of Columbia. NeighborWorks® organizations are chartered by NeighborWorks® America, a national nonprofit created by Congress to provide financial support, technical assistance, and training for community-based revitalization efforts.

Partners:

American General Financial Services, a member of AIG, Inc., Bank of America, BBWCDF, Citigroup, Countrywide Home Loans, EMC Mortgage, Fannie Mae, Freddie Mac, GE Money, GMAC ResCap, Homeownership Preservation Foundation, Housing Policy Council, HSBC– North America, JPMorgan Chase, LaSalle Bank, Mortgage Bankers Association, National City Mortgage Co., NeighborWorks® America, Ocwen Loan Servicing, LLC, Option One Mortgage, State Farm Insurance, SunTrust Banks, Inc., Washington Mutual and Wells Fargo Home Mortgage.

If you need more information:

• About 888-995-HOPE: info@995HOPE.org
  
  
• About in-person counseling: foreclosuresolutions@nw.org
  
  
• HUD Approved Housing Counseling Agencies (link)