Kentucky Foreclosure Help

MRP does not offer access to attorney representation in Kentucky.

Kentucky Foreclosure Help – Hardest Hit Fund

Kentucky Hardest Hit FundKentucky is a “Hardest Hit Fund” State

($148,901,875)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.ProtectMyKYHome.org

Kentucky Foreclosure Help – HUD Approved Agencies

HUD SealHUD Approved Foreclosure Avoidance Counseling Agencies Located in Kentucky

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 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, we recommend speaking to a foreclosure defense attorney.

Kentucky Foreclosure Help – HUD Approved Foreclosure Avoidance Counseling Agencies in Kentucky

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
Agency ID
Address Languages
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC. P: 270-796-4176
T:
F: 270-796-8203
E: hands@handsinc.net
W: www.handsinc.net
A: 81931
215 E 12th Ave
BOWLING GREEN, Kentucky 42101-3403
– English
KENTUCKY LEGAL AID P: 270-782-1924
T:
F:
E:
W:
A: 81018
1700 Destiny Ln
Bowling Green, Kentucky 42104-1063
– English
– Spanish
CATHOLIC CHARITIES, DIOCESE OF COVINGTON P: 859-581-8974
T:
F: 859-581-9595
E: info@covingtoncharities.org
W: www.covingtoncharities.org
A: 81629
3629 Church St
Covington, Kentucky 41015-1430
– English
– Spanish
LEGAL AID OF THE BLUEGRASS P: 859-431-8200
T: 800-888-8189
F: 606-783-1342
E: bcombs@lablaw.org
W: www.lablaw.org
A: 81868
104 East 7th Street
COVINGTON, Kentucky 41011-2502
– English
– Spanish
NORTHERN KENTUCKY COMMUNITY ACTION COMMISSION P: 859-581-6607
T:
F: 859-655-2949
E: ggriffith@nkcac.org
W: www.nkcac.org
A: 83991
717 Madison Avenue
COVINGTON, Kentucky 41011-2479
– English
APPRISEN – FLORENCE P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: info@apprisen.com
W: www.apprisen.com/home.asp
A: 83310
7430 US 42 Ste 118
FLORENCE, Kentucky 41042-1991
– English
KENTUCKY HOUSING CORPORATION P: 502-564-7630-315
T:
F:
E: jrice@kyhousing.org
W: www.kyhousing.org
A: 81213
1231 Louisville Rd.
FRANKFORT, Kentucky 40601-6156
– English
– Spanish
KCEOC COMMUNITY ACTION PARTNERSHIP, INC. P: 606-546-3152
T:
F: 606-546-5057
E: jsmith@kceoc.com
W: www.povertyisreal.org
A: 84484
5448 N US Highway 25E
Gray, Kentucky 40734-6582
– English
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 866-452-9243
F: 270-782-5740
E: ayoung@klaid.org
W:
A: 82123
709B South Main Street
HOPKINSVILLE, Kentucky 42240-2109
– English
– Spanish
APPRISEN – LEXINGTON P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: info@apprisen.com
W: www.apprisen.com/home.asp
A: 82716
2265 Harrodsburg Road
Suite 303
LEXINGTON, Kentucky 40504-3500
– English
COMMUNITY VENTURES CORPORATION P: 859-231-0054-1092
T: 800-299-0267
F:
E: lwhalen@cvky.org
W: WWW.CVKY.ORG
A: 82308
1450 N Broadway
Lexington, Kentucky 40505-3162
– English
– Spanish
REACH, INC. P: 859-455-8057-23
T:
F: 859-455-7436
E: ebruce@reachky.com
W: www.reachky.com
A: 82039
733 Red Mile Rd
Lexington, Kentucky 40504-1153
– Arabic
– ASL
– Cambodian
– Cantonese
– Chinese Mandarin
– Creole
– Czech
– English
– Farsi
– French
– German
– Hindi
– Hmong
– Indonesian
– Italian
– Korean
– Polish
– Portuguese
– Russian
– Spanish
– Swahili
– Turkish
– Ukrainian
– Vietnamese
APPRISEN – CCCS OF THE MIDWEST – LOUISVILLE P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: info@apprisen.com
W: www.apprisen.com
A: 83313
11492 Bluegrass Pkwy
Ste 105
LOUISVILLE, Kentucky 40299-2334
– English
LOUISVILLE URBAN LEAGUE P: 502-566-3362
T:
F:
E:
W: www.lul.org
A: 83057
1535 W Broadway
Louisville, Kentucky 40203-3515
– English
THE HOUSING PARTNERSHIP, INC P: 502-585-5451
T:
F:
E:
W: www.wearehpi.org
A: 81533
1126 Berry Blvd
Louisville, Kentucky 40215-2702
– English
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 800-782-1924
F: 270-825-0689
E: scrocker@klaid.org
W:
A: 82124
100 South Railroad Street, # 120
MADISONVILLE, Kentucky 42431-2467
– English
BRIGHTON CENTER, INCORPORATED P: 859-491-8303
T:
F:
E: brighton@brightoncenter.com
W: brightoncenter.com
A: 80145
799 Ann Street
NEWPORT, Kentucky 41071-1218
– English
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 866-452-9243
F: 270-683-3513
E: jmorre@klaid.org
W:
A: 82125
117 West 2nd Street
OWENSBORO, Kentucky 42303-4112
– English
– Spanish
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 866-452-9243
F: 270-782-5740
E: jmorre@klaid.org
W:
A: 82126
1122 Jefferson Street
PADUCAH, Kentucky 42001-1836
– English
– Spanish
APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKY P:
T: 866-277-5733
F: 606-886-0079
E: kellyw@ardfky.org
W: www.ardfky.org
A: 81467
120 North Front Avenue
PRESTONSBURG, Kentucky 41653-7832
– English
– Spanish
GATEWAY COMMUNITY SERVICE ORGANIZATION, INC P: 606-743-3133
T:
F: 606-743-1130
E: leah.kohr@gcscap.org
W: gatewaycaa.org/
A: 83434
151 University DR
WEST LIBERTY, Kentucky 41472-2146
– English

HUD Approved Housing Counseling Agencies

Kentucky Foreclosure Help – National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in Kentucky

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

Kentucky Foreclosure Help – Kentucky Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Mortgage.

Foreclosure Type(s):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.

Initial Public Notice: Complaint.

Estimated Foreclosure Process Period: 140+ days.

First Notice to Sale Time Period: 140+ days.

Redemption Period?: Yes, 12 months.

Deficiency Balance?: Yes, with restrictions.

* * *This information represents MRP’s current understanding of the Kentucky foreclosure process. For the most detailed and up to date information, you should contact your local county government.* * *