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: Notice of Default.
Estimated Foreclosure Process Period: 150+ days.
First Notice to Sale Time Period: 45+ days.
Redemption Period?: Yes, 12 months. (Judicial foreclosures only)
Deficiency Balance?: Yes.
* * * This information represents MRP’s current understanding of the Idaho foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *
Foreclosure 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.
Should You Sue Your Lender?
In 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.
► ► Take The Lender Litigation Test! ◄ ◄
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 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 Idaho
|Address||Languages||Boise Neighborhood Housing Services, Inc.|| Phone: 208-258-6217
|3380 W Americana Terrace Suite 120
Boise, Idaho 83706
|– English||MMI – Coeur d’Alene|| Phone: 800-308-2227
|2005 Ironwood Pkwy., Ste. 216
Coeur dï¿½Alene, Idaho 83814
|– English||Rural Dynamics, Inc.|| Phone: 877-275-2227
|1115 Main Street
Lewiston, Idaho 83501
|– English||Pocatello Neighborhood Housing Services|| Phone: 208-232-9468
|206 N Arthur
Pocatello, Idaho 83204
HUD Approved Foreclosure Avoidance Counseling Agencies in Idaho
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.
|Address||Languages||IDAHO HOUSING AND FINANCE ASSOCIATION||P: 877-888-3135
|565 West Myrtle
BOISE, Idaho 83702-7675
|IDAHO HOUSING AND FINANCE ASSOCIATION||P: 877-888-3135
|565 W Myrtle
BOISE, Idaho 83702-7675
|NEIGHBORHOOD HOUSING SERVICES INC||P: 208-343-4065
|3380 W Americana Terrace Ste 120
BOISE, Idaho 83706-2501
|– English||MONEY MANAGEMENT INTERNATIONAL, INC. COEUR D’ALENE, ID||P: 866-232-9080
|2005 Ironwood Pkwy Ste 216
Coeur D Alene, Idaho 83814-2647
|CCCS OF NORTHERN IDAHO, INC.||P: 208-746-0127
|PO Box 1105
Lewiston, Idaho 83501-1105
|– English||RURAL DYNAMICS, INC.||P: 877-275-2227
|1115 Main Street
LEWISTON, Idaho 83501-1901
|– English||POCATELLO NEIGHBORHOOD HOUSING SERVICES, INC||P: 208-232-9468
|206 N Arthur Ave
Pocatello, Idaho 83204-3104
For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Idaho, please visit the HUD website.