MRP’s Minnesota Foreclosure Help page offers no access to attorney representation
Minnesota Foreclosure Help - HUD Approved Agencies
HUD Approved Foreclosure Avoidance Counseling Agencies Located in Minnesota
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.
Minnesota Foreclosure Help - HUD Approved Foreclosure Avoidance Counseling Agencies in Minnesota
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 |
| ANOKA COUNTY COMMUNITY ACTION PROGRAM, INC | P: 763-783-4747 T: F: E: W: accap.org A: 81092 | 1201 89th Ave NE Ste 345 Blaine, Minnesota 55434-3373 | - English |
| LUTHERAN SOCIAL SERVICES/ CCCS OF DULUTH | P: 888-577-2227 T: 888-577-2227 F: 218-726-1251 E: [email protected] W: https://www.lssmn.org/financialcounseling/ A: 81434 | 716 E Street East Brainerd Mall BRAINERD, Minnesota 56401-2857 | - English |
| NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) MINNEAPOLIS, MN | P: 763-656-6222 T: 617-250-6222 F: 877-329-6222 E: W: https://www.naca.com A: 84553 | 3260 County Road 10 Ste B Brooklyn Center, Minnesota 55429-3161 | - English - Spanish |
| CARVER COUNTY CDA | P: 952-448-7715 T: F: E: W: www.carvercda.org A: 80689 | 705 N Walnut St Chaska, Minnesota 55318-2039 | - English |
| LUTHERAN SOCIAL SERVICES/ CCCS OF DULUTH | P: 218-529-2227 T: 888-577-2227 F: E: [email protected] W: https://www.lssmn.org/financialcounseling/ A: 81415 | 424 W Superior St Ste 600 Duluth, Minnesota 55802-1536 | - English - Spanish |
| DAKOTA COUNTY COMMUNITY DEVELOPMENT AGENCY | P: 651-675-4473 T: F: E: W: www.dakotacda.org/ A: 82825 | 1228 Town Centre Dr Eagan, Minnesota 55123-1066 | - English |
| WEST CENTRAL MINNESOTA COMMUNITIES ACTION | P: 218-685-4486 T: F: E: W: www.wcmca.org A: 84186 | 411 Industrial Park Blvd Elbow Lake, Minnesota 56531-4213 | - English |
| LUTHERAN SOCIAL SERVICES/ CCCS OF DULUTH | P: 218-529-2227 T: 800-777-7419 F: 218-726-1251 E: [email protected] W: www.lssmn.org/debt A: 81432 | 710 South 2nd Street MANKATO, Minnesota 56001-3810 | - English |
| SOUTHWEST MINNESOTA HOUSING PARTNERSHIP MANKATO BRANCH | P: 507-836-1605 T: F: 507-836-8866 E: [email protected] W: www.swmhp.org A: 90421 | 151 Good Counsel Drive Suite 120 MANKATO, Minnesota 56001-3143 | - English - Spanish |
| LUTHERAN SOCIAL SERVICES/CCCS OF DULUTH | P: 888-577-2227 T: 888-577-2227 F: 218-726-1251 E: [email protected] W: https://www.lssmn.org/financialcounseling/ A: 83557 | 2400 Park Avenue MINNEAPOLIS, Minnesota 55404-3713 | - English |
| PRG, INC. | P: 612-721-7556 T: F: E: W: prginc.org/ A: 82550 | 2017 E 38th St Minneapolis, Minnesota 55407-2915 | - English - Other - Spanish |
| LUTHERAN SOCIAL SERVICES /CCCS OF DULUTH | P: 218-529-2227 T: 888-577-2227 F: E: W: www.lssfinancialcounseling.org A: 90479 | 1610 14th St., NW, Ste. 300 ROCHESTER, Minnesota 55901-0229 | - English |
| NAVICORE SOLUTIONS-ROSEVILLE, MN | P: 866-472-4557 T: 866-472-4557 F: 732-863-5052 E: [email protected] W: www.navicoresolutions.org A: 83167 | 1700 Highway 36 W Ste 510 Roseville, Minnesota 55113-4027 | - English - Spanish |
| CATHOLIC CHARITIES DIOCESE OF ST. CLOUD | P: 320-650-1664 T: 800-830-8254 F: 320-253-7464 E: [email protected] W: https://www.ccstcloud.org A: 80822 | 157 Roosevelt Rd Ste 200 Saint Cloud, Minnesota 56301-5485 | - English |
| CITY OF SAINT PAUL - DEPARTMENT OF PLANNING AND ECONOMIC DEV. | P: 651-266-6626 T: F: E: [email protected] W: A: 80164 | 25 4th St W Fl 11 Saint Paul, Minnesota 55102-1634 | - English - Hmong - Other - Spanish - Vietnamese |
| COMMUNITY NEIGHBORHOOD HOUSING SERVICES, INC DBA NEIGHBORWORKS HOME PARTNERS | P: 651-292-8710 T: F: E: [email protected] W: www.communitynhs.org A: 80887 | 533 Dale Street North SAINT PAUL, Minnesota 55103-1916 | - English - Hmong - Other - Spanish |
| LUTHERAN SOCIAL SERVICES/CCCS OF DULUTH | P: 888-577-2227 T: 888-577-2227 F: 218-726-1251 E: [email protected] W: https://www.lssmn.org/financialcounseling/ A: 84946 | 709 University Avenue W SAINT PAUL, Minnesota 55104-4804 | - English - Spanish |
| MINNESOTA HOMEOWNERSHIP CENTER | P: 651-659-9336 T: 866-462-6466 F: 651-659-9518 E: [email protected] W: www.hocmn.org A: 82238 | 1000 Payne Avenue Suite 200 SAINT PAUL, Minnesota 55130-3986 | - English - Spanish |
| NEIGHBORHOOD DEVELOPMENT ALLIANCE | P: 651-292-0131 T: F: E: [email protected] W: www.nedahome.org A: 84895 | 481 Wabasha St S Saint Paul, Minnesota 55107-1142 | - English - Spanish |
| SOUTHERN MINNESOTA REGIONAL LEGAL SERVICES, INC. | P: 651-222-5863 T: F: E: [email protected] W: www.smrls.org A: 80162 | 55 5th St E Ste 400 Saint Paul, Minnesota 55101-1118 | - English - Hmong - Spanish |
| TWIN CITIES HABITAT FOR HUMANITY | P: 612-305-7147 T: F: E: [email protected] W: tchabitat.org/mfpp A: 84790 | 1954 University Ave W Saint Paul, Minnesota 55104-3426 | - Arabic - English - Other |
| SCOTT COUNTY COMMUNITY DEVELOPMENT AGENCY | P: 952-402-9022 T: F: E: W: www.scottcda.org A: 80598 | 323 Naumkeag St S Shakopee, Minnesota 55379-1652 | - English - Spanish |
| SOUTHWEST MINNESOTA HOUSING PARTNERSHIP | P: 507-836-8673 T: F: E: W: www.swmhp.org A: 81101 | 2401 Broadway Ave Ste 4 Slayton, Minnesota 56172-1167 | - English - Spanish |
| LUTHERAN SOCIAL SERVICES/ CCCS OF DULUTH | P: 888-577-2227 T: 888-577-2227 F: 218-726-1251 E: [email protected] W: https://www.lssmn.org/financialcounseling/ A: 81433 | 1601 Hwy 12 E Suite 6 WILLMAR, Minnesota 56201-5817 | - English |
| WASHINGTON COUNTY COMMUNITY DEVELOPMENT AGENCY | P: 651-458-0936 T: F: E: W: www.washingtoncountycda.org A: 82533 | 7645 Currell Blvd Woodbury, Minnesota 55125-2256 | - English |
Minnesota Foreclosure Help - National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in Minnesota
| Agency Name | Phone Website | Address | Languages |
| Anoka County Community Action Program, Inc. | Phone: 763-783-4747 Web: www.accap.org | 1201 89th Avenue NE, Ste 345 Blaine, Minnesota 55434 | - English |
| The Village Family Service Center | Phone: 218-829-0371 Web: HelpWithMoney.org | 200 South 6th St Brainerd, Minnesota 56401 | - English |
| Carver County Community Development Agency | Phone: 952-448-7715 Web: www.carvercda.org | 705 Walnut Street North Chaska, Minnesota 55318 | - English |
| The Village Family Service Center | Phone: 763-536-5996 Web: HelpWithMoney.org | 5701 Kentucky Ave N, Suite 121 Crystal, Minnesota 55428 | - English |
| Lutheran Social Service of Minnesota, Financial Counseling | Phone: 218-529-2227 Web: www.lssmn.org/debt | 424 W. Superior St., Suite 600 Duluth, Minnesota 55802 | - English |
| Dakota County Community Development Agency (CDA) | Phone: 651-675-4555 Web: www.dakotacda.org | 1228 Town Centre Drive Eagan, Minnesota 55123 | - English |
| West Central Minnesota Communities Action, Inc. | Phone: 218-685-4486 Web: www.wcmca.org | 411 Industrial Park Blvd Elbow Lake, Minnesota 56531 | - English |
| Wright County Community Action, Inc. | Phone: 320-963-6500 Web: www.wccaweb.com | 130 W. Division Street/P.O. Box 787 Maple Lake, Minnesota 55358 | - English |
| Neighborhood Assistance Corporation of America (NACA) | Phone: 763-656-6222 Web: www.naca.com | 3260 County Road 10, Suite B Minneapolis, Minnesota 55429 | - English |
| PRG, Inc. | Phone: 612-721-7556 Web: www.prginc.org | 2017 East 38th Street Minneapolis, Minnesota 55407 | - English |
| The Village Family Service Center | Phone: 701-451-4811 Web: HelpWithMoney.org | 1401 8th St S Moorhead, Minnesota 56560 | - English |
| Inter-County Community Council | Phone: 218-796-5144 Web: www.intercountycc.org/ | P.O. Box 189 Oklee, Minnesota 56742 | - English |
| Rochester-Olmstead Community Housing Partnership, Inc. | Phone: 507-282-7529 Web: www.rochp.org/ | 903 West Center, Suite 204 Rochester, Minnesota 55902 | - English |
| Garden State Consumer Credit Counseling, Inc. | Phone: 800-772-4557 Web: www.novadebt.org | 1700 West Highway 36 Roseville, Minnesota 55113 | - English |
| Scott County Community Development Agency | Phone: 952-402-9022 Web: www.scottcda.org | 323 Naumkeag Street South Shakopee, Minnesota 55379 | - English |
| Southwest Minnesota Housing Partnership | Phone: 507-836-8673 Web: www.swmhp.org | 2401 Broadway Ave., Suite 4 Slayton, Minnesota 56172 | - English |
| Community Neighborhood Housing Services | Phone: 651-292-8710 Web: www.communitynhs.org | 35 West Water Street St Paul, Minnesota 55107 | - English |
| The Village Family Service Center | Phone: 320-253-5930 Web: HelpWithMoney.org | 4140 Thielman Ln, Suite 303 St. Cloud, Minnesota 56301 | - English |
| Community Action Partnership of Suburban Hennepin | Phone: 952-933-9639 Web: www.capsh.org | 8800 Highway #7, Suite #401 St. Louis Park, Minnesota 55426 | - English |
| CLUES | Phone: (612) 746-3535 Web: www.clues.org | 797 East 7th Street St. Paul, Minnesota 55106 | - English |
| Housing and Redevelopment Authority of the City of St. Paul | Phone: 651-266-6655 Web: www.stpaul.gov/ | 25 West Fourth Street, Suite 1100 St. Paul, Minnesota 55102 | - English |
| Neighborhood Development Alliance | Phone: 651-292-0131 Web: www.nedahome.org | 481 S. Wabasha Street South St. Paul, Minnesota 55107 | - English |
| Twin Cities Habitat for Humanity | Phone: 651-207-1700 Web: www.tchabitat.org | 1954 University Ave. W. St. Paul, Minnesota 55104 | - English |
| Arrowhead Economic Opportunity Agency, Inc. | Phone: 218-749-2912 Web: www.aeoa.org | 702 3rd Avenue South Virginia, Minnesota 55792 | - English |
| Washington County Housing and Redevelopment Authority | Phone: 651-458-0936 Web: www.wchra.com | 7645 Currell Blvd. Woodbury, Minnesota 55125 | - English |
For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in Minnesota, please visit the HUD website.
Minnesota Foreclosure Help - Minnesota Foreclosure Process
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: Publication.
Estimated Foreclosure Process Period: 90+ days.
First Notice to Sale Time Period: 7+ days.
Redemption Period?: Yes, 6 months. (Judicial foreclosures only)
Deficiency Balance?: Yes.
* * *This information represents MRP’s current understanding of the Minnesota foreclosure process. For the most detailed and up to date information, you should contact your local county government.* * *