Foreclosure / Bankruptcy / Debt Collection

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If you have a problem with a bank or other financial institution, contact the Federal Reserve for help.

Foreclosure
- Mortgage and Housing Assistance (CFPB) This website consolidates the CARES Act mortgage relief, protections for renters, resources for additional help, and information on how to avoid COVID-19 related scams.
  
  Español Asistencia hipotecaria y de vivienda (CFPB)
- Coronavirus and Your Mortgage (FTC) Learn more about the options that may be available to you if you are unable to make your mortgage payments.
- Federal Housing Finance Agency (FHFA) Statement Regarding Fannie Mae and Freddie Mac-backed Mortgage Learn about the FHFA's options to help homeowners navigate the forbearance process resulting from financial hardship during the Coronavirus pandemic.
- COVID-19 OIG Bulletin for Homeowners (HUD) Review an outline of the guidance the Federal Housing Administration (FHA) has provided for borrowers and servicers to implement the forbearance provisions of the CARES Act.
- Avoiding Foreclosure (HUD)
  Provides information to help with your current foreclosure or the potential of foreclosure in the future.
  
  Español Guía para evitar la ejecución hipotecaria
- Federal Reserve Mortgage and Foreclosure Resources
  Provides information about Foreclosure Resource Centers established to help address local and regional challenges in mortgage markets and local communities.
- Know Your Options (Fannie Mae)
  Explore various alternatives to foreclosure, including a refinance, a loan modification, a short sale, or a deed-in-lieu of foreclosure.
  
  Español Conozca sus opciones
- National Mortgage Foreclosure Settlement
  Although the time frame for applying for settlement has ended, you can learn more about the relief that was offered to distressed borrowers.
- Struggling With Your Mortgage Payment? (HUD)
  Get in touch with a counselor or your mortgage servicer to find out how you can save your home despite financial difficulties.
  
  Español Encuentre una agencia de asesoramiento hipotecario si tiene dificultades para conservar su casa

Bankruptcy
- Filing for Bankruptcy: What to Know (FTC)
  If you plan to file for bankruptcy protection, you must receive credit counseling from a government-approved organization within 180 days before filing. You must also complete a debtor education course to have your debts discharged. Find out more about these requirements under The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
  
  Español Presentar su declaración de bancarrota personal: Lo que necesita saber

Debt Collection
- *New* Resource Available for Military Families Affected by COVID-19 (CFPB)
  The Consumer Financial Protection Bureau (CFPB) has designed a tool for financial educators, counselors, and agents to assist military families impacted by the pandemic with repairing their finances and meeting financial goals.
- Your Credit and the CARES Act (CFPB)
  Ensure your credit is not negatively impacted if you've received assistance from lenders or creditors due to COVID-19.
- Five Tips for When You Can't Pay Your Bills (CFPB)
  Get some short-term planning tips to help you cover your monthly obligations when there isn't enough money.
- Behind on Car Payments Because of the Coronavirus? (FTC)
  Are you worried that you won't be able to make your next car payment because you've lost your job or income because of the Coronavirus? Here's what you can do.
- Coronavirus and Dealing with Debt: Tips to Help Ease the Impact (CFPB)
  Learn possible steps to take if you have trouble paying your debts during the Coronavirus pandemic.
  
  Español Lidiando con el coronavirus y deudas: Consejos para aliviar el impacto
- Protect Yourself Financially From the Impact of the Coronavirus (CFPB) Find resources for consumers who have lost their income or are unable to pay their debts as a result of the Coronavirus pandemic.
- Debt Collection (CFPB)
  Resources to help you understand how debt collection works and to help you know your rights.
- Debt Collection (FTC)
  Know your rights under the Fair Debt collection Practices Act when debt collectors contact you.
  
  Español Cobranza de deudas
- Debts and Deceased Relatives (FTC)
  Understand whether you are responsible to pay the debt of a deceased family member.
  
  Español Deudas de familiares fallecidos
- Garnishing Federal Benefits (FTC)
  If you have unpaid debt, learn which federal benefits may be exempt from garnishment by a debt collector.
  
  Español Embargo de beneficios federales: Sus derechos
- How Can I Verify Whether or Not a Debt Collector is Legitimate? (CFPB)
  Learn how to spot a debt collection scam.

Last updated: 03/17/2023