1. Make or answer a call for help Take control by
   accepting calls from your mortgage servicer. Even
   better, call your mortgage servicer as soon as you
   know you can’t make your monthly payment. The phone number is on your
   monthly bill. Tell your servicer why you are unable to
   make your monthly payment, and ask the servicer for help
   avoiding foreclosure.
   2.Ask for free help from experts Your mortgage servicer can
   help if you find yourself in trouble with your loan payments. If
   you cannot get what you need from your mortgage servicer, ask for the
   expert help with housing counseling agencies that are
   located near you. Counselors can develop a
   custom action plan and help you work with your mortgage company. Visit
   consumerfinance.gov/mortgagehelp or call the
   CFPB phone number (855) 411- CFPB (2372) to find a housing counselor
   tested by the US Department of Housing and Urban Development
   3. Stop Scams Scammers try to take advantage of
   homeowners in trouble, charging them a
   lot of money, even thousands of dollars — for false promises of help.
   You do not have to pay anyone to help you avoid a
   foreclosure. The help you need is available from your
   mortgage servicer, at no cost to you, or through a
   housing counseling agency approved by the US Department of Housing
   and Urban Development. 1 of 2 Office
   of Consumer Financial Protection Learn more at consumerfinance.gov.
   4. Ask for help If you send a completed application to your servicer on time, your servicer has to tell you the options you have to keep your home, or if it makes more sense, get out of your home. Housing counselors have a lot of experience helping people work to avoid foreclosures. 

They can help you with the complicated steps of understanding your options and requesting help. Your mortgage servicer cannot make a first notice or filing of a foreclosure until you are more than 120 days late in your payments. Also, when you submit a completed application for mortgage assistance on time, the servicer cannot initiate a foreclosure while you are being evaluated or following the requirements of a loan modification. So get it done and don’t delay. The sooner you complete the application, the more protective measures you receive.

Be heard.