Resources
Before contacting anyone else, call your loan servicer. If you are behind on payments, ask to speak with someone in loss mitigation. There are alternatives to foreclosure that may be available to you. Your servicer's name and contact information is listed on the monthly mortgage statement or coupons you receive to make your payments.
State
Better Business Bureau
The Better Business Bureau offers the “Reliability Report” which serves as a business report card. Consumers are encouraged to check the report before they do business with an unfamiliar company.
http://www.bbb.org
Kentucky Attorney General
The state's Attorney General protects consumers from crimes of all types.
Consumer protection: 1-888-432-9257
Identity theft: 1-800-804-7556
http://ag.ky.gov/
Kentucky Cabinet for Health and Family Services
Food stamps, health care, Medicaid, child care assistance, child support, heating and utility assistance.
http://chfs.ky.gov
Kentucky Department of Financial Institutions
The state's Department of Financial Institutions supervises the financial services industry.
Beginning January 1, 2009, all mortgagees shall provide the "Notification to Homeowners of the Kentucky Homeownership Protection Center" document to all Kentucky borrowers, as required by KRS 286.2-020. This form is available to download by going to http://www.kfi.ky.gov/nondepository/khpc.htm
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Consumers can call to check background and license status of their loan officer, file a complaint or to report fraud.
1-502-573-3390
1-800-223-2579
http://www.kfi.ky.gov
National
U.S. Department of Agriculture-Rural Development Office
1-800-793-8861
www.rurdev.usda.gov
U.S. Department of Housing and Urban Development (HUD)
www.hud.gov
U.S. Department of Veterans Affairs (Veterans Administration)
1-800-827-1000
www.va.gov
Fannie Mae
1-800-7FANNIE (1-800-732-6643)
www.fanniemae.com
Freddie Mac
Information on how to buy a home and avoid foreclosure as well as financial calculators and budgeting tools.
www.freddiemac.com
Calculators and tools: http://www.freddiemac.com/corporate/buyown/english/calcs_tools/
Federal Trade Commission
Consumer protection, information and complaint procedures.
1-877-FTC-HELP (1-877-382-4357)
TTY: 1-866-653-4261
Main site: www.ftc.gov/
Credit repair facts: www.ftc.gov/bcp/conlin/pubs/credit/repair
National Foundation for Credit Counseling
Consumer debt advice
www.nfcc.org.
Annual Credit Reports
www.annualcreditreports.com
Equifax
Credit reports, credit fraud protection and credit dispute information.
www.equifax.com
Experian
Credit reports, credit fraud protection and credit dispute information.
www.experian.com/
TransUnion
Credit reports, credit fraud protection and credit dispute information.
www.transunion.com
Internal Revenue Service
For Individuals: 1-800-829-1040
For Businesses: 1-800-829-4933
For Hearing Impaired: 1-800-829-4059 (TDD)
Hours of Operation: Monday through Friday, 7 a.m. to 10 p.m. local time (Alaska & Hawaii follow Pacific Time)
www.irs.gov
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Local
Counselors
The Kentucky Homeownership Protection Center works with counseling agencies to provide foreclosure prevention and intervention counseling services to Kentucky residents. If you are in danger of foreclosure or need budgeting and credit help, contact the Protection Center. A representative will call you to schedule an appointment with a counselor in your area at no cost to you.
Dial 2-1-1
Some areas of Kentucky have 2-1-1 service which you can call for additional services. Where available, 2-1-1 can help locate the services you need including food, utilities, medical care, toiletries, household items, furniture and security deposits for rental units.
The Salvation Army
The Salvation Army may have funding available to assist homeowners who are behind on their mortgage payments. Visit the Salvation Army Web site to find a location near you.
Churches
Contact your church to find out if they have services available. Churches will often assist parishioners in need.