Kentucky Foreclosure Help Line - Call (877) 400-8577
Your call will be directly routed to a foreclosure defense law firm licensed to practice in KENTUCKY. Speak to experienced legal professionals, and get answers today with a FREE CONSULTATION.
Welcome to the Kentucky 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 Kentucky Foreclosure Process. If you need help with a troubled mortgage or foreclosure in Kentucky, you can find it here!
Kentucky 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!
Kentucky 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.
► ► Reach A Foreclosure Defense Attorney In Kentucky! ◄ ◄
Kentucky Foreclosure Help - Hardest Hit Fund
Kentucky 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 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.
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.
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 Website Agency ID | Address | Languages |
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC. | P: 270-796-4176 T: F: 270-796-8203 E: [email protected] 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: www.klaid.org A: 81018 | 1700 Destiny Ln Bowling Green, Kentucky 42104-1063 | - English - Spanish |
CAMPBELLSVILLE HOUSING AND REDEVELOPMENT AUTHORITY | P: 270-465-3576-236 T: F: 270-465-2444 E: [email protected] W: www.cvillehousingonline.com A: 80146 | 400 Ingram Ave CAMPBELLSVILLE, Kentucky 42718-1627 | - English |
CATHOLIC CHARITIES, DIOCESE OF COVINGTON | P: 859-581-8974 T: F: 859-581-9595 E: [email protected] W: https://www.covingtoncharities.org A: 81629 | 3629 Church St Covington,KY 41015 Covington, Kentucky 41015-1430 | - English - Spanish |
LEGAL AID OF THE BLUEGRASS | P: 859-431-8200 T: 800-888-8189 F: 606-783-1342 E: [email protected] 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: E: W: A: 83991 | 717 Madison Ave Covington, Kentucky 41011-2479 | - English |
APPRISEN - FLORENCE | P: 800-355-2227 T: 800-355-2227 F: 614-552-4800 E: [email protected] W: www.apprisen.com A: 83310 | 7430 US 42 Ste 118 FLORENCE, Kentucky 41042-1991 | - English |
KENTUCKY HOUSING CORPORATION | P: 502-564-7630-775 T: F: E: [email protected] W: www.kyhousing.org A: 81213 | 1231 Louisville Rd. FRANKFORT, Kentucky 40601-6156 | - English - Spanish |
KENTUCKY LEGAL AID, INCORPORATED | P: 270-782-5740 T: 866-452-9243 F: 270-782-5740 E: [email protected] W: www.klaid.org 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: [email protected] 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 T: F: E: [email protected] W: www.cvky.org A: 82308 | 1450 N Broadway Lexington, Kentucky 40505-3162 | - English - Spanish |
REACH, INC. | P: 859-455-8057 T: F: E: 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: [email protected] 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 |
KENTUCKY LEGAL AID, INCORPORATED | P: 270-782-5740 T: 800-782-1924 F: 270-825-0689 E: [email protected] W: www.klaid.org A: 82124 | 100 South Railroad Street, # 120 MADISONVILLE, Kentucky 42431-2467 | - English - Spanish |
FRONTIER HOUSING , INC. | P: 606-784-2131 T: F: E: W: frontierky.org A: 83045 | 5445 Flemingsburg Rd Morehead, Kentucky 40351-9138 | - English |
BRIGHTON CENTER, INCORPORATED | P: 859-491-8303 T: F: E: [email protected] 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: [email protected] W: www.klaid.org 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: [email protected] W: www.klaid.org A: 82126 | 1122 Jefferson Street PADUCAH, Kentucky 42001-1836 | - English - Spanish |
BELL-WHITLEY COMMUNITY ACTION AGENCY, INC. | P: 606-337-3044 T: F: 606-337-1439 E: [email protected] W: bell-whitley.org A: 83017 | 129 Pine St. PINEVILLE, Kentucky 40977-1625 | - English |
APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKY | P: T: 866-277-5733 F: 606-886-0079 E: [email protected] W: www.ardfky.org A: 81467 | 120 North Front Avenue PRESTONSBURG, Kentucky 41653-7832 | - English - Spanish |
Kentucky Foreclosure Help - National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in Kentucky
Agency Name | Phone Website | Address | Languages |
Housing Assitance and Development Services, Incorporated | Phone: 270-796-4176 Web: www.handsinc.net | 213 East 12th Avenue Bowling Green, Kentucky 42101 | - English |
Kentucky Legal Aid, Inc. | Phone: 270-780-8832 Web: www.klaid.org | 1700 Destiny Lane Bowling Green, Kentucky 42104 | - English |
Catholic Charities of Covington, KY | Phone: 859-581-8974 Web: www.covingtonchwww.covingtoncharities.org | 3629 Church Street Covington, Kentucky 41011 | - English |
Consumer Credit Counseling Service of Central Ohio | Phone: 800-355-2227 Web: www.apprisen.com | 950 N. Mulberry Steet, Suite 220F Elizabethtown, Kentucky 42701 | - English |
Consumer Credit Counseling Service of Central Ohio | Phone: 800-355-2227 Web: www.apprisen.com | 11 Shelby Street Florence, Kentucky 41042 | - English |
Consumer Credit Counseling Service of Central Ohio | Phone: 800-355-2227 Web: www.apprisen.com | 649 Charity Court, Suite 15 Frankfort, Kentucky 40601 | - English |
KCEOC Community Action Partnership, Incorporated | Phone: 606-546-3152 Web: | 5448 US 25E, Suite A Gray, Kentucky 40734 | - English |
LKLP Community Action Council, Incorporated | Phone: 606-436-8853 Web: www.lklp.org | 398 Roy Campbell Drive Hazard, Kentucky 41701 | - English |
Community Ventures Corporation | Phone: 859-231-0054 Web: www.cvcky.org | 1450 N. Broadway Lexington, Kentucky 40505-3162 | - English |
Consumer Credit Counseling Service of Central Ohio | Phone: 800-355-2227 Web: www.apprisen.com | 2265 Harrodsburg, Rd., Suite 303 Lexington, Kentucky 40504 | - English |
Consumer Credit Counseling Service of Central Ohio | Phone: 800-355-2227 Web: www.apprisen.com | 2100 Gardner Lane- Suite 103A Louisville, Kentucky 40205 | - English |
Louisville Urban League | Phone: 502-585-4622 Web: www.lul.org | 1535 West Broadway Louisville, Kentucky 40203 | - English |
NID-HCA | Phone: 502-810-9200 Web: www.nidonline.org | 3215 Fern Valley Road Louisville, Kentucky 40213 | - English |
Legal Aid of Bluegrass | Phone: 606-784-8921 Web: www.lablaw.org | 546 East Main Street Morehead, Kentucky 40351 | - English |
Brighton Center, Inc | Phone: 859-491-8303 Web: | 741 Central Avenue Newport, Kentucky 41071 | - English |
Bell-Whitley Community Action Agency, Incorporated | Phone: 606-337-3044 Web: www.bell-whitley.org | 129 North Pine Street Pineville, Kentucky 40977 | - English |
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
Security 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.* * *