Massachusetts

Massachusetts 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: 75+ days.

First Notice to Sale Time Period: 41+ days.

Redemption Period?: None.

Deficiency Balance?: No.

* * *This information represents MRP’s current understanding of the Massachusetts foreclosure process. 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 Massachusetts! ◄ ◄

► ► 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.

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Massachusetts

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 Massachusetts

Agency Name Phone
Website
Address Languages
Cambridge Credit Counseling Corporation Phone: 800-757-1788
Web: www.cambridge-credit.org
67 Hunt Street
Agawam, Massachusetts 01001
– English
MMI – Boston Phone: 800-308-2227
Web: www.moneymanagement.org
31 Milk Street, Ste. 515
Boston, Massachusetts 2109
– English
NID-HCA Phone: 617-296-3693
Web: www.nidonline.org
1509 Blue Hill Avenue
Boston, Massachusetts 02126
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 617-250-6244
Web: www.naca.com
3593 Washington Street
Boston, Massachusetts 2130
– English
Springboard Non Profit Consumer Credit Management, Inc. Phone: 855-736-7800
Web: www.homeownership.org
15 New England Ste. 1026
Burlington, Massachusetts 01803
– English
Codman Square Neighborhood Development Corporation Phone: 617-825-4224
Web: www.csndc.com
587 Washington Street
Dorchester, Massachusetts 02124
– English
Neighborhood of Affordable Housing, Inc. Phone: 617-567-5882
Web: www.noahcdc.org
143 Border Street
East Boston, Massachusetts 02128
– English
Twin Cities Community Development Corp. Phone: 978-342-9561
Web: www.twincitiescdc.org
470 Main St.
Fitchburg, Massachusetts 1420
– English
Housing Assistance Corporation Phone: 508-771-5400
Web: www.haconcapecod.org
460 West Main Street
Hyannis, Massachusetts 02601
– English
Lawrence CommunityWorks Phone: 978-685-3115
Web: www.lawrencecommunityworks.org
168 Newbury Street
Lawrence, Massachusetts 01841
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 978-687-3993
Web: www.naca.com
261 Common Street
Lawrence, Massachusetts 1841
– English
Coalition for a Better Acre Phone: 978-452-7523
Web: www.cbacre.org
517 Moody Street, 3rd Floor
Lowell, Massachusetts 01854
– English
MMI – Lowell Phone: 800-308-2227
Web: www.moneymanagement.org
40 Central Street
Lowell, Massachusetts 1852
– English
Plymouth Redevelopment Authority Phone: (508)747-1620 Ext. 146
Web: www.plymouthredevelopment.org
11 Lincoln Street
Plymouth, Massachusetts 2332
– English
NeighborWorks Southern Mass Phone: 617-770-2227
Web: www.neighborhoodhousing.org
422 Washington Street
Quincy, Massachusetts 02169
– English
MMI – Randolph Phone: 800-308-2227
Web: www.moneymanagement.org
247 North Main St., Ste. 200
Randolph, Massachusetts 2368
– English
Nuestra Comunidad Development Corp. Phone: 617-427-3599
Web: www.nuestracdc.org
56 Warren Street, Suite 200
Roxbury, Massachusetts 02119
– English
Urban Edge Housing Corporation Phone: 617-989-9300
Web: www.urbanedge.org
1542 Columbus Ave.
Roxbury, Massachusetts 02119
– English
HAP, Inc. Phone: 413-233-1500
Web: www.haphousing.org
322 Main Street
Springfield, Massachusetts 01105
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 413-788-6220
Web: www.naca.com
1623 Main Street
Springfield, Massachusetts 1103
– English
MMI – Woburn Phone: 800-308-2227
Web: www.moneymanagement.org
800 West Cummings Park, Ste. 1075
Woburn, Massachusetts 1801
– English
Springboard – Woburn Phone: 855-736-7800
Web: homeownership.org
12 Gill Street Ste. 1850
Woburn, Massachusetts 1801
– English
MMI – Worcester Phone: 800-308-2227
Web: www.moneymanagement.org
340 Main St., Ste. 511
Worcester, Massachusetts 1608
– English
Oak Hill Community Development Corp. Phone: 508-754-2858
Web: www.hocw.net
74 Providence Street
Worcester, Massachusetts 01604
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Massachusetts

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
CAMBRIDGE CREDIT COUNSELING CORPORATION P: 800-757-1788
T: 800-527-7595
F: 888-569-6707
E: housingcounseling@cambridgecredit.org
W: www.cambridge-credit.org
67 Hunt Street
AGAWAM, Massachusetts 01001-1920
– English
– Italian
– Polish
– Spanish
AMERICAN CONSUMER CREDIT COUNSELING P: 866-826-7180
T: 866-826-7180
F: 617-559-5757
E: info@consumercredit.com
W: www.consumercredit.com
130 Rumford Ave Ste 202
Auburndale, Massachusetts 02466-1370
– English
– Spanish
ACTION FOR BOSTON COMMUNITY DEVELOPMENT, INC. P: 617-348-6449
T:
F: 617-548-2228
E: Tabitha.Gaston@bostonabcd.org
W: www.bostonabcd.org
178 Tremont St
Boston, Massachusetts 02111-1006
– Creole
– English
– Hindi
– Other
– Spanish
CITIZENS’ HOUSING AND PLANNING ASSOCIATION, INC. P: 617-742-0820
T: 800-466-3111
F: 617-742-3953
E: kwiener@chapa.org
W: www.chapa.org
18 Tremont Street,
Suite 401
BOSTON, Massachusetts 02108-2301
– English
HOUSING PARTNERSHIP NETWORK P: 617-259-1825
T:
F: 617-720-3939
E: coldham@housingpartnership.net
W: www.housingpartnership.net
1 Washington Mall, 12th Fl
BOSTON, Massachusetts 02108-2603
– English
MONEY MANAGEMENT INTERNATIONAL BOSTON P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
101 Federal St Ste 1900
Boston, Massachusetts 02110-1861
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) CALL CENTER P: 888-302-6222
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
225 Centre St
Boston, Massachusetts 02119-1288
– English
– Spanish
NID-HCA PHIPPS P: 617-296-3693
T:
F: 617-296-7730
E: rcphipps@gmail.com
W: www.nidonline.org
1509 Blue Hill Avenue, Suite C
BOSTON, Massachusetts 02126-1702
– English
– Spanish
CHELSEA RESTORATION CORPORATION P: 617-889-2277
T:
F:
E: hzucco@chelsearestoration.org
W: www.chelsearestoration.org
154 Pearl St Ofc 2
CHELSEA, Massachusetts 02150-2868
– English
– Spanish
CODMAN SQUARE NEIGHBORHOOD DEV. CORP. P: 617-825-4224
T:
F:
E: info@csndc.com
W: www.csndc.com
587 Washington St
Dorchester, Massachusetts 02124-2033
– Cantonese
– Creole
– English
– Spanish
ECUMENICAL SOCIAL ACTION COMMITTEE, INC. P: 617-524-2555-104
T:
F: 617-524-2430
E: sbennett@esacboston.org
W: www.esacboston.org
214 Harvard Street, Lower Level
DORCHESTER, Massachusetts 02124-1628
– Creole
– English
– Spanish
VIETNAMESE AMERICAN INITIATIVE FOR DEVELOPMENT, INC. (VIET AID) P: 617-822-3717-26
T:
F:
E: namphuong@vietaid.org
W: www.vietaid.org
42 Charles Street, Suite E
DORCHESTER, Massachusetts 02122-1441
– English
– Vietnamese
NEIGHBORHOOD OF AFFORDABLE HOUSING, INC. P: 617-418-8246
T:
F:
E: linda@noahcdc.org
W: www.noahcdc.org
143 Border St
EAST BOSTON, Massachusetts 02128-1903
– English
– Spanish
CATHOLIC SOCIAL SERVICES – FALL RIVER P: 508-674-4681
T:
F: 508-675-2224
E: martha@cssdioc.org
W: www.cssdioc.org
PO Box M
Fall River, Massachusetts 02724-0388
– English
– Portuguese
– Spanish
NEWVUE COMMUNITIES (Formerly TWIN CITIES COMMUNITY DEVELOPMENT CORP.) P: 978-342-9561
T:
F:
E: info@newvuecomm.org
W: www.newvuecommunities.org
470 Main St
Fitchburg, Massachusetts 01420-8173
– English
– Spanish
HOUSING ASSISTANCE CORP. P: 508-771-5400
T:
F:
E: hac@haconcapecod.org
W: www.haconcapecod.org
460 W Main St
Hyannis, Massachusetts 02601-3653
– English
– Portuguese
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) BOSTON, MA P: 617-250-6244
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
3593 Washington St
Jamaica Plain, Massachusetts 02130-2669
– Creole
– English
– Spanish
SOUTH SHORE HOUSING DEVELOPMENT CORP. P: 781-422-4214
T:
F:
E: info@southshorehousing.org
W: www.southshorehousing.org
169 Summer St
Kingston, Massachusetts 02364-1220
– English
– Spanish
ARLINGTON COMMUNITY TRABAJANDO, INC P: 978-685-6274
T:
F: 978-683-6367
E: aluna@actinc.org
W: www.actinc.org
530 Broadway Street
3rd Floor
LAWRENCE, Massachusetts 01841-2446
– English
– Spanish
LAWRENCE COMMUNITYWORKS, INC. P: 978-685-3115
T:
F: 978-683-3946
E: aveloz@lawrencecommunityworks.org
W: www.lawrencecommunityworks.org
168 Newbury Street
Our House Campus
LAWRENCE, Massachusetts 01841-3910
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) LAWRENCE, MA P: 978-687-3993
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
261 Common St
Lawrence, Massachusetts 01840-1407
– English
– Spanish
COALITION FOR A BETTER ACRE P: 978-452-7523
T:
F:
E: info@cbacre.org
W: www.cbacre.org
517 Moody St
Lowell, Massachusetts 01854-4014
– Cambodian
– English
– Portuguese
HOMEOWNER OPTIONS FOR MASSACHUSETTS ELDERS P: 978-970-0012
T: 800-583-5337
F: 978-910-0015
E: masselders@elderhomeowners.org
W: www.elderhomeowners.org
87 Hale Street
LOWELL, Massachusetts 01851-3340
– Chinese Mandarin
– English
– Spanish
CATHOLIC SOCIAL SERVICES P: 508-674-4681-131
T:
F: 508-675-2224
E: mlv@cssdioc.org
W: www.cssdioc.org
59 Rockland St
NEW BEDFORD, Massachusetts 02740-4751
– English
– Portuguese
– Spanish
BERKSHIRE COUNTY REGIONAL HOUSING AUTHORITY-H P: 413-443-7138
T:
F:
E: jimh@bcrha.com
W: www.bcrha.com
1 Fenn St Ste 4
Pittsfield, Massachusetts 01201-6279
– English
– French
– Spanish
PLYMOUTH REDEVELOPMENT AUTHORITY P: 508-747-1620-147
T: 508-747-1620
F: 508-830-4116
E: REDEVELOPMENT@townhall.plymouth.ma.us
W: www.plymouthredevelopment.org
11
Lincoln Street
Plymouth, Massachusetts 02360
– English
– Other
NEIGHBORHOOD HOUSING SERVICES OF THE SOUTH SHORE AKA NEIGHBORWORKS SOUTHERN MASS P: 617-770-2227
T:
F:
E: c.pendergast@nwsoma.org
W: www.nwsoma.org
422 Washington St
Quincy, Massachusetts 02169-5715
– English
– Portuguese
QUINCY COMMUNITY ACTION PROGRAMS, INC. P: 617-479-8181
T:
F:
E: csheppard@qcap.org
W: qcap.org
1509 Hancock St
Quincy, Massachusetts 02169-5241
– Cantonese
– Chinese Mandarin
– Creole
– English
– Other
– Portuguese
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) P: 617-250-6222
T: 888-297-5568
F: 617-912-0509
E: mpirazzi@naca.com
W: www.naca.com
225 Centre Street, Suite 100
ROXBURY, Massachusetts 02119-1298
– English
– Spanish
NUESTRA COMUNIDAD DEVELOPMENT CORPORATION P: 617-989-9900
T:
F:
E: info@nuestracdc.org
W: www.nuestracdc.org
56 Warren St
Roxbury, Massachusetts 02119-3236
– Creole
– English
– French
– Spanish
URBAN EDGE HOUSING CORP. P: 617-989-9300
T:
F:
E: gluc@urbanedge.org
W: www.urbanedge.org
1542 Columbus Ave
Roxbury, Massachusetts 02119-1026
– Creole
– English
– Spanish
SOMERVILLE COMMUNITY CORPORATION P: 617-776-5931-238
T:
F: 617-776-0427
E: serb@somervillecdc.org
W: www.somervillecdc.org
337 Somerville Avenue
Second Floor
SOMERVILLE, Massachusetts 02143-2914
– English
– Portuguese
– Spanish
HAP INC. DBA HAPHOUSING P: 413-233-1500
T:
F:
E: lvoyer@haphousing.org
W: www.haphousing.org
322 Main St
Springfield, Massachusetts 01105-2408
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) SPRINGFIELD, MA P: 413-788-6220
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
1623 Main St
Springfield, Massachusetts 01103-1865
– English
– Other
– Spanish
SPRINGFIELD NEIGHBORHOOD HOUSING SERVICES P: 413-739-4737
T:
F:
E: springfieldnhs.org
W: www.springfieldnhs.org
111 Wilbraham Rd
Springfield, Massachusetts 01109-3127
– English
– Spanish
SPRINGFIELD PARTNERS FOR COMMUNITY ACTION P: 413-263-6500-6546
T:
F: 413-263-6511
E: maryc@springfieldpartnersinc.com
W: www.springfieldpartnersinc.com
721 State Street
SPRINGFIELD, Massachusetts 01109-4109
– English
– Russian
– Spanish
– Vietnamese
COMMUNITY SERVICE NETWORK, INC. P: 781-438-5981
T:
F: 781-438-6037
E: BrynaDavis@csninc.org
W: www.csninc.org
136 Elm Street
STONEHAM, Massachusetts 02180-3426
– English
PRO-HOME, INC. P: 508-821-2514
T:
F: 508-967-7446
E: jpacheco@prohomeinc.org
W: www.prohomeinc.org
40 Summer Street
TAUNTON, Massachusetts 02780-3420
– English
OAK HILL COMMUNITY DEVELOPMENT CORPORATION P: 508-791-2170
T:
F:
E: info@oakhillcdc.org
W: www.oakhillcdc.org
74 Providence St
Worcester, Massachusetts 01604-4275
– English
– Spanish
RCAP SOLUTIONS, INC. P: 978-630-6734
T: 800-488-1969
F: 508-792-5427
E: rochoa@rcapsolutions.org
W: www.RCAPSolutions.org
12 East Worcester Street
WORCESTER, Massachusetts 01604-3612
– English
– Spanish

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