Alabama Foreclosure Help Line – Call (877) 400-8577
Your call will be directly routed to a foreclosure defense law firm licensed to practice in ALABAMA. Speak to experienced legal professionals, and get answers today with a FREE CONSULTATION.
Welcome to the Alabama Foreclosure Help page. On this page, you will find direct access to foreclosure defense attorneys and non-profit organizations offering foreclosure prevention services. You will also find general information about the Alabama Foreclosure Process. If you need help with a troubled mortgage or foreclosure in Alabama, you can find it here!
Alabama Foreclosure Help – Foreclosure Defense Attorneys
Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure, or Notice of Foreclosure Sale/Auction, a foreclosure defense or loan modification attorney is in the best position to effectively defend your rights and interests. If you have received one of these notices, call us today!
Alabama Foreclosure Help – Foreclosure Defense and Loan Modification Attorneys
We support foreclosure defense attorneys that can answer complaints, and file counter-claims and motions. They can also represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification and other foreclosure alternatives.
Alabama Foreclosure Help – HUD Approved Agencies
HUD Approved Foreclosure Avoidance Counseling Agencies Located in Alabama
Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.
In many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced foreclosure attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. In some instances, negotiating yourself or through a non-attorney third party can even be detrimental to you. Before you do anything else, have a free consultation with a foreclosure defense attorney.
Alabama Foreclosure Help – HUD Approved Foreclosure Avoidance Counseling Agencies in Alabama
This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.
|ALABAMA COUNCIL ON HUMAN RELATIONS, INC||P: 334-821-8336|
|950 Shelton Mill Rd.|
AUBURN, Alabama 36830-2736
|BIRMINGHAM URBAN LEAGUE, INC.||P: 205-326-0162|
|1229 3rd Ave N|
Birmingham, Alabama 35203-1628
|1401 20th Street South|
BIRMINGHAM, Alabama 35205-4913
|NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) BIRMINGHAM, AL||P: 205-942-8111|
|529 Beacon Pkwy W Ste 204|
Birmingham, Alabama 35209-3127
|NEIGHBORHOOD HOUSING SERVICES OF BIRMINGHAM, INC.||P: 205-328-4292|
|601 19th St N|
Birmingham, Alabama 35203-2229
|UNITED WAY OF CENTRAL ALABAMA,INC.||P: 205-458-8963|
|3600 8th Avenue|
BIRMINGHAM, Alabama 35222-3250
|COMMUNITY ACTION PARTNERSHIP OF NORTH ALABAMA, INC.||P: 256-260-3108|
|1909 Central Pkwy SW|
Decatur, Alabama 35601-6822
|COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA, INC.||P: 256-766-4330|
|745 Thompson St|
Florence, Alabama 35630-3867
|WALKER COUNTY COMMUNITY ACTION AGENCY||P: 205-221-4011|
|644 19th St W|
Jasper, Alabama 35501-5353
|CCCS OF MOBILE||P: 251-602-0011|
|705 Oak Circle Drive East|
MOBILE, Alabama 36609-4221
|CENTER FOR FAIR HOUSING||P: 251-479-1532|
|602 Bel Air Blvd|
Mobile, Alabama 36606-3502
|LEGAL SERVICES ALABAMA INC||P: 886-456-4995|
|2567 Fairlane Drive Suite 300|
MONTGOMERY, Alabama 36116-1643
|HOUSING AUTHORITY OF THE CITY OF PRICHARD||P: 251-452-8500|
|200 W. Prichard Avenue|
Prichard, Alabama 36610
|COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA – FRANKLIN COUNTY||P: 256-332-7534|
|1001-A South Washington Avenue|
RUSSELLVILLE, Alabama 35653-2608
|COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA – COLBERT COUNTY||P: 256-383-3832|
|505 N Columbia Avenue|
SHEFFIELD, Alabama 35660-2900
|COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA, INC.||P: 205-469-0394|
|601 Black Bears Way|
Tuscaloosa, Alabama 35401-4807
Alabama Foreclosure Help – National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in Alabama
|Birmingham Urban League||Phone: 205-326-0162|
|1229 3rd Avenue, North|
Birmingham, Alabama 35203
|Gateway Financial Freedom||Phone: 205-251-1572|
|1401 20th St. South, Suite 100|
Birmingham, Alabama 35205
|Neighborhood Assistance Corporation of America (NACA)||Phone: 205-942-8111|
|529 Beacon Parkway West, Suite 204|
Birmingham, Alabama 35209
|Neighborhood Housing Services of Birmingham, Inc.||Phone: 205-328-4292|
|601 19th St. North|
Birmingham, Alabama 35203
|Consumer Credit Counseling of the Tennessee River Valley||Phone: 2568811000|
|500 Wynn Dr., Suite 522|
Huntsville, Alabama 35816
|Family Counseling Center of Mobile, Inc.||Phone: 251-602-0011|
|705 Oak Circle Drive, E.|
Mobile, Alabama 36609
|Legal Services Alabama, Inc.||Phone: 334-264-1895|
|207 Montgomery St, Suite 1200|
Montgomery, Alabama 36104
|Family Counseling Center of Mobile, Inc.||Phone: 251-990-8499|
|22787 US Highway 98, Bldg B-2|
Montrose, Alabama 36559
|Community Service Programs of West Alabama, Inc.||Phone: 205-752-5429|
|601 Black Bears Way|
Tuscaloosa, Alabama 35401
For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Alabama, please visit the HUD website.
Alabama Foreclosure Help – Foreclosure Process
Security Instrument(s): Both Mortgage and Trust Deed.
Foreclosure Type(s): Judicial (rare) and Non-judicial.
Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.
Non-judicial Foreclosure: A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.
Initial Public Notice: Publication.
First Notice to Sale Time Period:30-60 days.
Redemption Period?: Yes, 12 months.
Deficiency Balance?: Allowed, but rare.
* * *This information represents MRP’s current understanding of the foreclosure process In Alabama. For the most detailed and up to date information, you should contact your local county government.* * *