Individual Counseling
If you are having trouble making your mortgage loan payments, we will work with you and your lender to try to reach a resolution. Call us if you have had a loss of income, if you have an adjustable rate or a high interest rate mortgage, or if you anticipate falling behind. Once you fill out the Mortgage Delinquency Intake Form and meet with us, we will assess your situation and help you sort out your options. Counseling services are provided free of charge.
Foreclosure Process
We can help you understand your rights and options, and to navigate this process. Call us as early in the process as possible. Again, there is no charge for WWHT counseling services. The following information may also be helpful:
- Legal Aid has great information on its website about the foreclosure process. It is important that you understand your rights, let the court know you are an owner occupant, and let them know if you want to stay in your home or sell. Click Here
- In Vermont, before the bank can take your home, the bank has to sue you in court. The court case starts when a sheriff gives you legal papers called a “Summons and Complaint.” If the sheriff can’t find you, they might give the papers to someone who lives with you, or leave the papers on your door. All of this is called “serving” you with the lawsuit. This is how the lawsuit starts. The bank also sends the Summons and Complaint to your county Superior Court. If you wish to file an “answer” within 20 days of receiving the Summons, Legal Aid provides a form.
Mediation
The State of Vermont gives you the right to request mediation. Mediation can be a helpful tool in trying to negotiate with your lender when you are in foreclosure. WWHT’s housing counselors will help you with this process. If you would like to request mediation, the form is attached here.
Click here to contact a housing counselor to inquire about our services.
