The most effective initial action you can take is to read the HUD “How to Avoid Foreclosure” brochure and contact your lender(s). In the event you need extensive one on one assistance you may wish to call 1-888-955-HOPE for individual assistance or visit the following website www.995hope.org/.
Referral to agencies that provide free or low cost advice on mortgage foreclosure and assistance with negotiating with lenders call (800) 540-2227 or visit the following website www.hud.gov.
Information about foreclosure for homeowners can be found at www.consumeraction.org.
Consumer Credit Counseling Services (CCCS) – HUD certified non-profit agency offering free or low-cost advice on mortgage foreclosure, debt management, and bankruptcy call (800) 540-2227 or visit the following website: www.gotdebt.org.
How to Report Fraud
District Attorney’s Office of Santa Cruz County – Your District Attorney investigates consumer complaints of fraud against businesses and individuals, including real estate agents, foreclosure “consultants” and local lenders. Santa Cruz County District Attorney’s Office: (831) 454-2400
California Department of Real Estate (DRE) – The DRE investigates consumer complaints against real estate agents or individuals acting like real estate agents. To make a complaint call (916) 227-0864 or get helpful information online at http://www.dre.ca.gov/indext.html.
For more links to community resources that may be able to assist with housing needs, please visit our Links page.