Missouri

Missouri

Missouri
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: 60+ days.

First Notice to Sale Time Period: 10+ days.

Redemption Period?: Yes, 12 months. (Judicial foreclosures only)

Deficiency Balance?: No.

* * * This information represents MRP’s current understanding of the Missouri 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, only an experienced foreclosure attorney can effectively represent your interests. If you have received one of these notices, review some of the options below, and schedule a FREE attorney consultation today!

Mitigation Attorneys

Let a Representative of an established mortgage mitigation law firm explain your options regarding loan modification, reinstatement, forbearance, principal reduction and foreclosure alternatives like short sale, deed-in-lieu of foreclosure (DIL), cash for keys, and leaseback. When appropriate, the Representative can also schedule a NO COST mitigation attorney consultation!

► ► Speak To A Mortgage Mitigation Law Firm! ◄ ◄

► ► Complete the Mitigation Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)Since the exposure of widespread fraud and deceptive practices by some of America’s largest banks, legislators have passed new laws giving homeowners causes of action to sue their lenders. As a result, many homeowners are hiring litigation attorneys to sue their lenders and use other aggressive legal tactics to stop the foreclosure process and resolve their troubled mortgages.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

HUD Approved Housing
Counseling Agencies
Located in Missouri

If you are behind on your mortgage, facing foreclosure or stuck in a bad loan, look for organizations offering “Mortgage Delinquency and Default Resolution Counseling” services. Organizations are listed in alphabetical order, by city.

THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. YOU SHOULD BE SKEPTICAL OF ANY “NON-ATTORNEY” ORGANIZATION’S ABILITY TO PROVIDE THE ASSISTANCE YOU NEED TO PREVENT FORECLOSURE!

Many of these organizations will end up recommending that you retain a foreclosure attorney. Most experienced foreclosure attorneys prefer to represent homeowners from the beginning of negotiations. Negotiating yourself or through a non-attorney third party can actually do harm, so we recommend a NO COST FORECLOSURE ATTORNEY CONSULTATION before you do anything else! You can also speed up the process by completing our ONLINE FORECLOSURE ATTORNEY EVALUATION. Your completed form is immediately routed to a foreclosure attorney licensed to practice in your state. You will receive a phone call with results and any further questions.

Agency NamePhone, Toll-Free,
Fax Number,
Email, Website
AddressCounseling Services
WEST CENTRAL MISSOURI COMMUNITY ACTION AGENCYPhone: 660-476-2185
Fax: 660-476-0175
E-mail: [email protected]
Website: www.wcmcaa.org
PO Box 125
Appleton City, Missouri 64724+0125
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Financial, Budgeting and Credit Repair Workshops
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Rental Housing Workshops
- Resolving/Preventing Mortgage Delinquency Workshops
- Services for Homeless Counseling
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 877-877-1995
Toll-free: 636-282-2227
Fax: 636-282-3850
E-mail: [email protected]
Website: www.clearpointccs.org
19 Fox Valley Ctr
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-
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ARNOLD, Missouri 63010-2281
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
NORTH EAST COMMUNITY ACTION CORPORATIONPhone: 573-324-6622
Fax: 573-324-2361
E-mail: [email protected]
Website: necac.org
16 North Court Street
P.O. Box 470
BOWLING GREEN, Missouri 63334-1534
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
4-SIGHT COUNSELINGPhone: 573-334-7995
Fax: 573-335-8610
E-mail: [email protected]
Website: www.4sightcounseling.org/
937 Broadway St Ste 305
Cape Girardeau, Missouri 63701-5474
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: [email protected]
Website: www.apprisen.com/home.asp
1900 N Providence, Ste 309
COLUMBIA, Missouri 65202-3710
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 314-830-6464
Toll-free: 314-830-6464
Fax: 314-830-3022
E-mail: [email protected]
Website: www.clearpointccs.org
525 Rue Saint Francois Ste 4
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-
-
Florissant, Missouri 63031+5036
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 913-642-5643
E-mail: [email protected]
Website: www.apprisen.com
3737 S. Elizabeth St.
Suite 103
INDEPENDENCE, Missouri 64057-1759
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
COMMUNITY SERVICES LEAGUEPhone: 816-254-4100
Fax: 816-921-4484
E-mail: [email protected]
Website: www.cslcares.org
404 North Noland Road
INDEPENDENCE, Missouri 64050-3057
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 877-877-1995
Toll-free: 877-877-1995
E-mail: [email protected]
Website: www.clearpointcreditcounselingsolutions.org
2009 Schotthill Woods
JEFFERSON CITY, Missouri 65101-5509
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
CCCS OF SPRINGFIELD - JOPLINPhone: 800-882-0808
Toll-free: 800-882-0808
E-mail: [email protected]
Website: www.cccsoftheozarks.org
3130 Wisconsin
Suite 4
JOPLIN, Missouri 64804-2873
- Financial Management/Budget Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
LEGAL AID OF WESTERN MISSOURIPhone: 417-782-1650
Fax: 417-782-1653
E-mail: [email protected]
302 S. Joplin
JOPLIN, Missouri 64801-2354
- Mortgage Delinquency and Default Resolution Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
CATHOLIC CHARITIES KANSAS CITY, MOPhone: 816-221-4377
Toll-free: 800-875-4377
Fax: 816-232-2607
E-mail: [email protected]
Website: www.catholiccharities-kcsj.org
20 W 9th Street
Suite 600
KANSAS CITY, Missouri 64105-1704
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: [email protected]
Website: www.apprisen.com
9300 Troost
KANSAS CITY, Missouri 64131-3008
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
GREATER KANSAS CITY HOUSING INFORMATION CENTERPhone: 816-931-0443
Fax: 816-931-0722
E-mail: [email protected]
Website: http:/Housing Info Center.org
3200 Wayne Avenue, 2nd Floor
Robert J. Mohart Multi-Purpose Focus Ctr
KANSAS CITY, Missouri 64109-2062
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
LEGAL AID OF WESTERN MISSOURIPhone: 816-474-6750-206
Fax: 816-474-9751
E-mail: [email protected]
1125 Grand Boulevard
Suite 1900
KANSAS CITY, Missouri 64106-2511
- Fair Housing Pre-Purchase Education Workshops
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Reverse Mortgage Counseling
- Services for Homeless Counseling
LEGAL AID OF WESTERN MISSOURIPhone: 816-474-9868
Fax: 816-474-7575
E-mail: [email protected]
920 Southwest Boulevard
KANSAS CITY, Missouri 64108-2341
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) KANSAS CITY, MOPhone: 816-531-6222
Toll-free: 888-297-5568
E-mail: [email protected]
Website: www.naca.com
100 E. 43rd Street
KANSAS CITY, Missouri 64111-1704
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
NEIGHBORHOOD HOUSING SERVICES OF KANSAS CITYPhone: 816-822-7703
E-mail: [email protected]
Website: www.asite.com
5835 Troost Ave
Kansas City, Missouri 64110-3143
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 877-877-1995
Toll-free: 877-877-1995
E-mail: [email protected]
Website: www.clearpointcreditcounselingsolutions.org
948 Lester St
Suite 5
POPLAR BLUFF, Missouri 63901-4936
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
DELTA AREA ECONOMIC OPPORTUNITY CORPORATIONPhone: 573-379-3851-211
Fax: 573-379-5935
E-mail: [email protected]
99 Skyview Road
PORTAGEVILLE, Missouri 63873-9180
- Pre-purchase Counseling
- Rental Housing Counseling
CATHOLIC CHARITIES - ST. JOSEPH, MOPhone: 816-232-2885
E-mail: [email protected]
902 Edmond, Suite 204
SAINT JOSEPH, Missouri 64501-2762
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CCCS OF THE MIDWESTPhone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: [email protected]
Website: www.apprisen.com
724 N Belt Highway
SAINT JOSEPH, Missouri 64506-3011
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
LEGAL AID OF WESTERN MISSOURIPhone: 816-364-2325
Toll-free: 800-892-2101
Fax: 816-364-2647
E-mail: [email protected]
106 S. Seventh Street
SAINT JOSEPH, Missouri 64501-1772
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
BETTER FAMILY LIFE, INC.Phone: 314-367-1843
Fax: 314-361-6139
E-mail: Tturner[email protected]
Website: www.betterfamilylife.org
5535 Delmar Blvd., Suite 2100
SAINT LOUIS, Missouri 63112-3005
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
BEYOND HOUSINGPhone: 314-533-0600
Fax: 314-533-8745
E-mail: [email protected]
Website: www.beyondhousing.org
4156 Manchester Ave
Saint Louis, Missouri 63110-3847
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
CATHOLIC CHARITIES HOUSING RESOURCE CENTERPhone: 314-241-5600
Fax: 314-241-5608
E-mail: [email protected]
800 N. Tucker Blvd.
SAINT LOUIS, Missouri 63101-1000
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
COMMUNITY ACTION AGENCY OF ST. LOUIS COUNTY (AKA: CAASTLC)Phone: 314-863-0015-411
Fax: 314-863-1287
E-mail: [email protected]
Website: caastlc.org
2709 Woodson
SAINT LOUIS, Missouri 63114-4817
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Financial, Budgeting and Credit Repair Workshops
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Services for Homeless Counseling
HOUSING OPTIONS PROVIDED FOR THE ELDERLYPhone: 314-776-0155
Fax: 314-776-0852
E-mail: [email protected]
Website:
4265 Shaw Blvd
4265 Shaw Boulevard
SAINT LOUIS, Missouri 63110-3526
- Rental Housing Counseling
- Reverse Mortgage Counseling
HOUSING OPTIONS PROVIDED FOR THE ELDERLY HOPE - NCOA HECMPhone: 314-776-0155
Fax: 314-776-0852
E-mail: [email protected]
Website: www.hopestl.com
4265 Shaw Blvd
SAINT LOUIS, Missouri 63110-3526
- Reverse Mortgage Counseling
JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPhone: 314-533-2411×117
Toll-free: 618-781-3600
Fax: 314-533-2299
E-mail: [email protected]
Website: justinepetersen.org
1023 N Grand Blvd
Saint Louis, Missouri 63106+1641
- Financial Management/Budget Counseling
- Home Improvement and Rehabilitation Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
LEGAL SERVICES OF EASTERN MISSOURI, INCORPORAPhone: 314-534-4200
Fax: 314-534-1425
E-mail: N/A
Website: www.lsem.org
4232 Forest Park Ave
SAINT LOUIS, Missouri 63108-2811
- Fair Housing Pre-Purchase Education Workshops
- Mortgage Delinquency and Default Resolution Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) ST. LOUIS, MOPhone: 314-645-8333
Toll-free: 888-297-5568
E-mail: [email protected]
Website: www.naca.com
3930 Lindell Blvd., 2nd Floor
SAINT LOUIS, Missouri 63108-3204
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
URBAN LEAGUE OF METROPOLITAN SAINT LOUISPhone: 314-615-3644
Fax: 314-615-3683
E-mail: [email protected]
Website: www.ulstl.org
3701 Grandel Sq
SAINT LOUIS, Missouri 63108-3627
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
URBAN LEAGUE OF METROPOLITAN SAINT LOUISPhone: 314-388-9840-113
Fax: 314-388-9845
E-mail: [email protected]
Website: www.ulstl.org
8960 Jennings Station Road
SAINT LOUIS, Missouri 63136-5062
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Rental Housing Counseling
WEST END MT. CARMEL COMMUNITY OUTREACH SERVICEPhone: 314-863-5892
Fax: 314-863-2604
E-mail: [email protected]
Website: wemccos.com/
5935 Horton Place
SAINT LOUIS, Missouri 63112-2107
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Rental Housing Workshops
YOUTH EDUCATION AND HEALTH IN SOULARDPhone: 314-436-1400
Fax: 314-436-0011
E-mail: [email protected]
Website: yehstl.org
1901 S 11th St
SAINT LOUIS, Missouri 63104-3915
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Rental Housing Counseling
- Rental Housing Workshops
- Resolving/Preventing Mortgage Delinquency Workshops
- Services for Homeless Counseling
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 636-441-9107
Toll-free: 636-441-9107
Fax: 636-441-9856
E-mail: [email protected]
Website: www.clearpointccs.org
1600 Heritage Lndg Ste 104
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-
-
Saint Peters, Missouri 63303+8490
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
CATHOLIC CHARITIES OF KANSAS CITY - SPRINGFIELDPhone: 417-865-0050
Toll-free: 866-604-9494
Fax: 417-865-0070
E-mail: [email protected]
Website: www.catholiccharities-kcsj.org
426 S. Jefferson
Suite 202
SPRINGFIELD, Missouri 65806-2316
- Fair Housing Pre-Purchase Education Workshops
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling
CCCS OF SPRINGFIELD, MISSOURI, INC.Phone: 417-889-7474
Fax: 417-881-7713
E-mail: [email protected]
Website: www.cccsoftheozarks.org
1515 S Glenstone Ave
SPRINGFIELD MO 65808
SPRINGFIELD, Missouri 65804-1407
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
CLEARPOINT FINANCIAL SOLUTIONS, INC.Phone: 314-647-9004
Toll-free: 314-647-9004
Fax: 314-647-1359
E-mail: [email protected]
Website: www.clearpointccs.org
1300 HAMPTON AT WEST PARK
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-
-
ST. LOUIS, Missouri 63139
- Financial Management/Budget Counseling
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
LEGAL AID OF WESTERN MISSOURIPhone: 660-747-7101
Fax: 660-747-7104
E-mail: [email protected]
120 Hout
WARRENSBURG, Missouri 64093-1710
- Mortgage Delinquency and Default Resolution Counseling
- Pre-purchase Counseling
- Predatory Lending Education Workshops
- Rental Housing Counseling
CCCS OF SPRINGFIELD - WEST PLAINSPhone: 800-346-4934
E-mail: [email protected]
Website: www.cccs-swmo.org
1522 Porter Wagner Boulevard
Suite 1
WEST PLAINS, Missouri 65775-1832
- Financial Management/Budget Counseling
- Non-Delinquency Post Purchase Workshops
- Pre-purchase Counseling
- Pre-purchase Homebuyer Education Workshops
- Predatory Lending Education Workshops
- Rental Housing Counseling
- Services for Homeless Counseling