Foreclosure Prevention

If you are facing foreclosure, help is as close as your telephone. Just make the first call...

Call the United Way at 1-800-650-4357 (or 2-1-1), or visit United Way of Toledo for referral to the most appropriate local or national resources.

Hope is available to any homeowner in America having trouble paying their mortgage. Call 1-888-995-HOPE (1-888-995-4673) any time. Counselors are available 24 hours a day, 7 days a week and provide free foreclosure prevention counseling. They will help you negotiate with your lender free of charge!

Printable Foreclosure Prevention Pamphlet  (PDF)

These organizations can help:

Foreclosure Intervention Hotline (24 hours/7 days a week)
Ohio Home Rescue Fund managed by the Homeownership Preservation Foundation


Ohio Home Rescue Fund

Legal Aid of Western Ohio (LAWO) &
Advocates for Basic Legal Equality (ABLE)
Legal Services

(419) 724-0640 1-888-534-1432

Legal Aid of Western Ohio

Apprisen (FKA Consumer Credit Counseling
of Northwest Ohio)

HUD-certified counseling agency

(419) 531-2227 1-800-355-2227

Consumer Credit Counseling of Northwest Ohio


Lucas County Veteran Services
Mortgage assistance to veterans

(419) 213-6090

Lucas County Veterans Services


NeighborWorks Toledo Region
Financial Opportunity Center (financial counseling)

(419) 691-2900

NeighborWorks Toledo Region


Toledo Bar Association
Legal services

(419) 242-9363

Toledo Bar Association


The Fair Housing Center
Investigation of lending discrimination complaints

(419) 243-6163

Toledo Fair Housing Center


Adelante LRC
Bilingual homeownership and financial literacy

(419) 244-8440

Adelante Toledo


Toledo Tax Controversy Clinic
University of Toledo College of Law
The Clinic provides free representation to taxpayers who are facing tax difficulties (including federal income tax).

(419) 684-8822 (ext. 1)

Toledo Tax Controversy Clinic



  • Do not ignore letters from creditors. Some foreclosures can be halted if you communicate with your lender promptly.
  • Typically, lenders do not want your home; they want your house payments.
  • Foreclosure proceedings may cost your lender a lot of money.
  • Often it is in everyone's best interest to agree on new terms that modify the current mortgage.
  • Call or write your lender.
  • Contact the lender's "Loss Mitigation" or "Foreclosure Prevention" department.
  • Ask the lender to send you a "work-out' packet to update your financial information including current income, expenses and other debts.

Be aware of scams

  • Solutions sounding too good to be true usually are.
  • Be aware of predatory lending and don't be a victim.
  • Be aware of unscrupulous people who will take advantage of your troubles.
  • Be aware of phony counseling agencies that charge large fees to perform services you can do for yourself with assistance from the sources listed in the directory above.