Kentucky

Kentucky

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

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 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 Kentucky! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)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.

► ► 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.

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

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 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 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.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: www.povertyisreal.org
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: www.brightoncenter.com
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

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
Address Languages
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC. P: 270-796-4176
T:
F: 270-796-8203
E: [email protected]
W: www.handsinc.net
213 E 12th Ave
BOWLING GREEN, Kentucky 42101-3454
- English
KENTUCKY LEGAL AID P: 270-782-1924
T:
F:
E: [email protected]
W: www.klaid.org
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
400 Ingram Ave
PO Box 597
CAMPBELLSVILLE, Kentucky 42718-1627
- English
CATHOLIC CHARITIES, DIOCESE OF COVINGTON P: 859-581-8974
T:
F: 859-581-9595
E: [email protected]
W: www.covingtoncharities.org
3629 Church St
Covington, Kentucky 41015-1430
- English
- Spanish
LEGAL AID OF THE BLUEGRASS P: 859-957-0189
T: 800-274-5863
F: 606-783-1342
E: [email protected]
W: www.lablaw.org
104 East 7th Street
COVINGTON, Kentucky 41011-2502
- English
- Spanish
APPRISEN - ELIZABETHTOWN P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: [email protected]
W: www.apprisen.com
950 North Mulberry
Suite 220F
ELIZABETHTOWN, Kentucky 42701-3612
- English
APPRISEN - FLORENCE P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: [email protected]
W: www.apprisen.com
7430 US 42, Suite 118
FLORENCE, Kentucky 41042-1991
- English
CCCS OF THE MIDWEST P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: [email protected]
W: www.apprisen.com
649 Charity Court
#15
FRANKFORT, Kentucky 40601-4223
- English
KENTUCKY HOUSING CORPORATION P: 502-564-7630-315
T:
F:
E: [email protected]
W: www.kyhousing.org
1231 Louisville Rd.
FRANKFORT, Kentucky 40601-6156
- English
- Spanish
KCEOC COMMUNITY ACTION PARTNERSHIP, INC. P: 606-546-3152
T:
F: 606-546-5057
E: [email protected]
W: www.povertyisreal.org
5448 North US 25E, Suite A
GRAY, Kentucky 40734-6582
- English
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 866-452-9243
F: 270-782-5740
E: [email protected]
W: www.klaid.org
1411 South Main Street
HOPKINSVILLE, Kentucky 42240-2017
- 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
2265 Harrodsburg Road
Stuite. 303
LEXINGTON, Kentucky 40504-3500
- English
COMMUNITY VENTURES CORPORATION P: 859-231-0054
T:
F:
E: [email protected]
W: www.cvky.org
1450 N Broadway
Lexington, Kentucky 40505-3162
- English
- Spanish
REACH, INC. P: 859-455-8057-23
T:
F: 859-455-7436
E: [email protected]
W: www.reachky.com
733 Red Mile Rd
Lexington, Kentucky 40504-1153
- English
- Spanish
CCCS OF THE MIDWEST P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: [email protected]
W: www.apprisen.com
2100 Gardiner Lane Ste 103A
LOUISVILLE, Kentucky 40205-2900
- English
LOUISVILLE URBAN LEAGUE P: 502-566-3362
T:
F: 502-568-4663
E: [email protected]
W: www.lul.org
1535 West Broadway
LOUISVILLE, Kentucky 40203-3515
- English
NID-HCA SICKLES P: 502-810-9200
T:
F:
E: [email protected].
W: www.nidonline.org
3215 Fern Valley Rd Ste 106
Louisville, Kentucky 40213-3563
- English
- Spanish
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 800-782-1924
F: 270-825-0689
E: [email protected]
W: www.klaid.org
100 South Railroad Street, # 120
MADISONVILLE, Kentucky 42431-2467
- English
FRONTIER HOUSING , INC. P: 606-784-2131
T: 877-308-3837
F:
E: [email protected]
W: frontierhousing.org
5445 Flemingsburg Rd
Morehead, Kentucky 40351-9138
- English
BRIGHTON CENTER, INCORPORATED P: 859-491-8303
T:
F:
E: [email protected]
W: brightoncenter.com
PO Box 325
Newport, Kentucky 41072-2325
- English
KENTUCKY LEGAL AID, INCORPORATED P: 270-782-5740
T: 866-452-9243
F: 270-683-3513
E: [email protected]
W: www.klaid.org
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
1122 Jefferson Street
PADUCAH, Kentucky 42001-1836
- English
- Spanish
HAZEL JOYCE WILEY CAREER AND FINANCIAL LITERACY INSTITUTE, INC P: 502-647-3072
T:
F: 502-647-3099
E: [email protected]
W: www.hjwfinancial.org
330 Main Street
SHELBYVILLE, Kentucky 40065-1026
- English
- Spanish
GATEWAY COMMUNITY SERVICE ORGANIZATION, INC P: 606-743-3133
T:
F: 606-743-1130
E: [email protected]
W: www.gcscap.org
124 College Street
PO Box 367
WEST LIBERTY, Kentucky 41472-1115
- English

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