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TIPS TO AVOID FORECLOSURE

1. Contact your lender.

2. Open and respond to all mail from your lender.

3. Call a HUD-approved Housing Counseling Agency.

4. Create a personal budget and review your financial resources.

5. Consider ways to increase your income and reduce expenses.

6. Retaining your home should be your first priority-prioritize your spending.

7. Use your Assets. Consider selling vehicles and nonessential items.

8. Don’t lose your house to foreclosure recovery scams! Never sign a legal document or title to your home without having it reviewed by an attorney or HUD-approved counselor.

9. Avoid foreclosure prevention companies that charge fees. HUD - approved counselors received extensive training and provide their services at no or minimal charge.

Questions about an attorney? Check with the Florida Bar (www.floridabar.org) or your local Legal Aid Services office.

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