Alabama

Alabama Foreclosure Process

Foreclosure NoticeSecurity 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.

Estimated Foreclosure Process Period: 49-74 days.

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, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

foreclosure defense attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and 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, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In Alabama! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

foreclosure litigation attorneysIn recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

Alabama Hardest Hit FundAlabama is a “Hardest Hit Fund” State

($162,521,345)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.hardesthitalabama.com

HUD SealHUD 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.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced 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. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Alabama

Agency Name Phone
Website
Address Languages
Birmingham Urban League Phone: 205-326-0162
Web: www.birminghamurbanleague.net
1229 3rd Avenue, North
Birmingham, Alabama 35203
– English
Gateway Financial Freedom Phone: 205-251-1572
Web: www.gway.org
1401 20th St. South, Suite 100
Birmingham, Alabama 35205
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 205-942-8111
Web: www.naca.com
529 Beacon Parkway West, Suite 204
Birmingham, Alabama 35209
– English
Neighborhood Housing Services of Birmingham, Inc. Phone: 205-328-4292
Web: www.nhsbham.org
601 19th St. North
Birmingham, Alabama 35203
– English
Consumer Credit Counseling of the Tennessee River Valley Phone: 256-881-1000
Web: www.CreditHelpToday.org
500 Wynn Dr., Suite 522
Huntsville, Alabama 35816
– English
Family Counseling Center of Mobile, Inc. Phone: 251-602-0011
Web: www.cccsmobile.org
705 Oak Circle Drive, E.
Mobile, Alabama 36609
– English
Legal Services Alabama, Inc. Phone: 334-264-1895
Web: www.alsp.org
207 Montgomery St, Suite 1200
Montgomery, Alabama 36104
– English
Family Counseling Center of Mobile, Inc. Phone: 251-990-8499
Web: www.cccsmobile.org
22787 US Highway 98, Bldg B-2
Montrose, Alabama 36559
– English
Community Service Programs of West Alabama, Inc. Phone: 205-752-5429
Web: www.cspwal.com
601 Black Bears Way
Tuscaloosa, Alabama 35401
– English

HUD Approved Housing Counseling Agencies

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.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
ORGANIZED COMMUNITY ACTION PROGRAMS INC – COVINGTON COUNTY P: 334-428-2660
T:
F: 334-428-2652
E: ocap20@alaweb.com
W: www.ocaptroy.com
242 Hillcrest Drive
ANDALUSIA, Alabama 36420-2570
– English
ALABAMA COUNCIL ON HUMAN RELATIONS, INC P: 334-821-8336
T:
F: 334-826-6397
E: ed.thompson@achr.com
W: www.achr.com
319 W. Glenn Ave.
AUBURN, Alabama 36830-4607
– English
– Spanish
BIRMINGHAM URBAN LEAGUE, INC. P: 205-326-0162
T:
F: 205-521-6951
E: N/A
W: www.birminghamurbanleague.net
1229 3rd Ave N
Birmingham, Alabama 35203-1628
– English
GATEWAY FINANCIAL FREEDOM/CCCS OF CENTRAL ALABAMA P: 205-251-1572
T: 888-260-2227
F: 205-313-7205
E: AClolinger@gateway.org
W: www.gway.org
1401 20th St S
Suite 100
BIRMINGHAM, Alabama 35205-4913
– English
JEFFERSON COUNTY COMMITTEE FOR ECONOMIC OPPORTUNITY P: 205-201-7501
T:
F: 205-201-7591
E: ataylor@jcceo.org
W: www.jcceo.org
801 46th Street North
BIRMINGHAM, Alabama 35212-2213
– English
– Spanish
JEFFERSON COUNTY HOUSING AUTHORITY P: 205-244-1324
T:
F: 205-849-0137
E: dspencer@jcha.com
W: www.jeffcntyhousing.com
3700 Industrial Parkway
BIRMINGHAM, Alabama 35217-5316
– English
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) BIRMINGHAM, AL P: 205-942-8111
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
529 Beacon Pkwy W Ste 204
Birmingham, Alabama 35209-3127
– English
– Spanish
NEIGHBORHOOD HOUSING SERVICES OF BIRMINGHAM, INC. P: 205-328-4292
T:
F:
E: kim@nhsbham.org
W: www.nhsbham.org
601 19th St N
Birmingham, Alabama 35203-2229
– English
UNITED WAY OF CENTRAL ALABAMA, INC. P: 205-251-5131
T:
F: 205-323-8730
E: financialstability@uwca.org
W: www.uwca.org
PO Box 320189
Birmingham, Alabama 35232-0189
– English
UNITED WAY OF CENTRAL ALABAMA,INC. P: 205-251-5131
T:
F: 205-323-2872
E: financialstability@uwca.org
W: www.uwca.org
3600 8th Avenue
BIRMINGHAM, Alabama 35222-3250
– German
– Korean
COMMUNITY ACTION PARTNERSHIP OF NORTH ALABAMA, INC. P: 256-355-7843
T: 256-260-3130
F: 256-260-3200
E: lmauro@capna.org
W: www.capna.org
1909 Central Pkwy SW
Decatur, Alabama 35601-6822
– English
– Spanish
COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA, INC. P: 256-766-4330
T:
F:
E: info@caanw.org
W: www.caanw.org
745 Thompson St
Florence, Alabama 35630-3867
– English
ORGANIZED COMMUNITY ACTION PROGRAMS INC – BUTLER COUNTY P: 334-382-2351
T:
F: 334-382-2541
E: jojoner@centurytel.net
W: www.ocaptroy.com
204 School Highland Road
GREENVILLE, Alabama 36037-3214
– English
ORGANIZED COMMUNITY ACTION PROGRAMS INC – LOWNDES COUNTY P: 334-548-2768
T:
F: 334-548-2838
E: cpeter@htcnet.net
W: www.ocaptroy.com
506 Montgomery Hwy
HAYNEVILLE, Alabama 36040-2665
– English
CCCS OF TENNESSEE RIVER VALLEY P: 256-881-1000
T:
F:
E: CCCSReception@partnershipfca.com
W: www.credithelptoday.org
500 Wynn Dr.
Suite 522
HUNTSVILLE, Alabama 35816-3428
– English
COMMUNITY ACTION PARTNERSHIP, HUNTSVILLE/MADISON & LIMESTONE COUNTIES, INC P: 256-851-9800
T:
F:
E: lcrutcher@caa-htsval.org
W: www.caa-htsval.org
PO Box 3975
Huntsville, Alabama 35810-0975
– English
– Spanish
FAMILY SERVICES CENTER, INC. P: 256-551-1610
T:
F:
E: info@fsc-hsv.org
W: www.fsc-hsv.org
4092 Memorial Pkwy SW Ste 205
Huntsville, Alabama 35802-4367
– English
CCCS OF MOBILE – JACKSON P: 251-246-9898
T: 888-880-1413
F: 251-666-6850
E: dunaway@cccsmobile.org
W: www.cccsmobile.org
208 Commerce Street
JACKSON, Alabama 36545-2718
– English
CCCS OF MOBILE P: 251-602-0011
T: 251-602-0909
F: 251-666-6850
E: dunaway@cccsmobile.org
W: www.cccsmobile.org
PO Box 91068
Mobile, AL 36691-1068
Mobile, Alabama 36691-1068
– English
CENTER FOR FAIR HOUSING P: 251-479-1532
T:
F: 251-479-1488
E: tfbettis@sacfh.org
W: sacfh.org
602 Bel Air Blvd,
Suite 7
MOBILE, Alabama 36606-3502
– English
MOBILE HOUSING BOARD P: 251-434-2205
T:
F: 251-434-2374
E: amccants@mde-mobile.com
W: www.mhb.gov
151 S Claiborne St
Mobile, Alabama 36602-2323
– English
CCCS OF ALABAMA – MONTGOMERY P: 334-265-8545
T: 800-662-6119
F: 334-265-5926
E: rknauff@budgethelp.com
W: www.budgethelp.com
640 South Lawrence Street
MONTGOMERY, Alabama 36104-5810
– English
LEGAL SERVICES ALABAMA INC P: 334-832-4570-3013
T: 866-456-4995
F: 334-241-8682
E: lgardella@alsp.org
W: www.legalservicesalabama.org
2567 Fairlane Drive Suite 300
MONTGOMERY, Alabama 36116-1643
– English
– Spanish
CCCS OF MOBILE – MONTROSE AL P: 251-990-8499
T: 888-880-1412
F: 251-666-6850
E: dunaway@cccsmobile.org
W: www.cccsmobile.org
22787 U.S. Highway 98, Building B-2
Montrose, Alabama 36559
– English
ORGANIZED COMMUNITY ACTION PROGRAMS INC – DALE COUNTY P: 334-774-2011
T:
F: 334-774-2250
E: ocap001@centurytel.net
W: www.ocaptroy.com

379 Glen Way
OZARK, Alabama 36360-2669
– English
HOUSING AUTHORITY OF THE CITY OF PRICHARD P: 251-452-8500
T:
F:
E: info@prichardhousing.com
W: www.prichardhousing.com
PO Box 10307
Prichard, Alabama 36610-0307
– English
COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA – FRANKLIN COUNTY P: 256-332-7534
T:
F: 256-332-7520
E: administrator@caanw.org
W: caanw.org
1001 South Washington Avenue
Russellville, Alabama 35653
– English
ORGANIZED COMMUNITY ACTION PROGRAMS INC – CRENSHAW COUNTY P: 334-335-3910
T:
F: 334-335-3912
E: lcampbell@troycable.net
W: www.ocaptroy.com
1727 Lee Street
RUTLEDGE, Alabama 36071-2017
– English
COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA – COLBERT COUNTY P: 256-383-3832
T:
F: 256-383-3832
b>E: administrator@caanw.org
W: caanw.org
505 N Columbia Avenue
SHEFFIELD, Alabama 35660-2900
– English
ORGANIZED COMMUNITY ACTION PROGRAM, INC P: 334-566-1712
T:
F: 334-566-7417
E: ocap@troycable.net
W: www.ocaptroy.com
507 North Three Notch Street
TROY, Alabama 36081-2120
– English
– Spanish
COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA, INC. P: 205-469-0388
T:
F:
E: scotton@cspwal.com
W: www.cspwal.com
601 Black Bears Way
TUSCALOOSA, Alabama 35401-4807
– English
ORGANIZED COMMUNITY ACTION PROGRAMS INC – BULLOCK COUNTY P: 334-738-3848
T:
F: 334-738-3894
E: ocap@ustconline.net
W: www.ocaptroy.com
108 Baskin Street
UNION SPRINGS, Alabama 36089-1516
– English

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Alabama, please visit the HUD website.