Foreclosure Prevention

If you're facing foreclosure, it's essential to seek personalized advice to understand your rights and options fully, and as soon as possible. Contact The Housing Council to explore options for avoiding foreclosure or mitigating its impact. You can call us at 585.546-3700 or fill out the intake form on this page.

Your housing counselor can help you create a household budget, based on your income, debt and other factors to assist you in understanding your income, expenses and spending habits. This will help you manage your expenses and debts, prioritize spending, and plan for the future by setting financial goals.

A workout refers to a modified arrangement involving the loan obligations of the borrower, lender, or third parties, potentially leading to the continuation of the loan (e.g., maturity extension) or its termination. Talk to our HUD certified Housing Counselors to learn more by calling us at (585) 546-3700.

During the appointment, your counselor will discuss the specifics of your situation, including:

• What caused your financial difficulty

• A review and analysis of your monthly household expenses and income

• An explanation of the New York State Foreclosure Process and what options are available for your situation

We will create the best action plan suitable for you, with you.

Your counselor will communicate with your lender and answer ANY questions you have during this process. Your file will remain open with your counselor through the entire process. description