Oklahoma

Oklahoma

Oklahoma Foreclosure Process

Foreclosure NoticeSecurity 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: Complaint.

Estimated Foreclosure Process Period: 186+ days.

First Notice to Sale Time Period: 186+ days.

Redemption Period?: None. (Judicial foreclosures only)

Deficiency Balance?: Yes, with time limitations for filing.

* * * This information represents MRP’s current understanding of the Oklahoma 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 Oklahoma! ◄ ◄

► ► 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 Oklahoma

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 Oklahoma

Agency Name Phone
Website
Address Languages
CCCS of Greater Dallas, Inc. Phone: 800-249-2227
Web: www.cccs.net
2007 N. Commerce Street, Suite 250
Ardmore, Oklahoma 73401
– English
Consumer Credit Counseling Service of Central OK Phone: 405.789.2227
Web: www.cccsok.org
3230 N. Rockwell Avenue
Bethany, Oklahoma 73008
– English
CCCS of Oklahoma Phone: 918-259-0164
Web: www.cccsofok.org
317 South Main
Broken Arrow, Oklahoma 74012
– English
Consumer Credit Counseling Service of Central OK Phone: 405.789.2227
Web: www.cccsok.org
317 W. Cherokee, Suite A
Enid, Oklahoma 73701
– English
Consumer Credit Counseling Service of Central OK Phone: 405.789.2227
Web: www.cccsok.org
Tinker AFB, Building 420
Oklahoma City, Oklahoma 73145
– English
Neighborhood Housing Services of Oklahoma City, Inc. Phone: 405-231-4663
Web: www.nhsokc.org
1320 Classen Drive, Suite 200
Oklahoma City, Oklahoma 73103
– English
CCCS of Oklahoma Phone: 918-224-8412
Web: www.cccsofok.org
19 North Main
Sapulpa, Oklahoma 74066
– English
Credit Counseling Centers of Oklahoma Phone: 918-744-5611
Web: www.cccsofok.org
4646 South Harvard
Tulsa, Oklahoma 74135
– English
Metropolitan Tulsa Urban League Phone: 918-584-0001
Web: www.mtul.org
240 East Apache Street
Tulsa, Oklahoma 74106
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Oklahoma

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
CHICKASAW NATION DIVISION OF HOUSING P: 580-421-8856
T:
F: 580-421-8820
E: kyra.childers@chickasaw.net
W: chickasaw.net
111 Rosedale Road
ADA, Oklahoma 74820-9203
– English
CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OKLAHOMA P: 405-789-2227
T: 800-364-2227
F: 405-495-0810
E: cccsok@cccsok.org
W: www.cccsok.org
3230 N Rockwell Ave
Bethany, Oklahoma 73008-4034
– English
CCCS OF OKLAHOMA P: 918-343-3313
T: 800-324-5611
F: 918-343-2712
E: dneibling@cccsofok.org
W: www.cccsofok.org
104 South Missouri
Suite 205
CLAREMORE, Oklahoma 74017-7865
– English
CENTRAL OKLAHOMA COMMUNITY ACTION AGENCY P: 405-447-0832
T: 800-256-5940
F: 405-701-1536
E: gcorson@cocaa.org
W: www.cocaa.org
122 N. Cleveland
CUSHING, Oklahoma 74023-3230
– English
COMMUNITY DEVELOPMENT SUPPORT ASSOCIATION P: 580-242-6131
T:
F: 580-242-6541
E: info@cdsaok.org
W: www.cdsaok.org
2615 E Randolph Ave
Enid, Oklahoma 73701-4670
– English
– Spanish
CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OKLAHOMA P: 405-789-2227
T: 800-364-2227
F: 405-789-5052
E: lhoover@cccsok.org
W: www.cccsok.org
317 West Cherokee, Suite A
ENID, Oklahoma 73701-5616
– English
– Spanish
CENTRAL OKLAHOMA COMMUNITY ACTION AGENCY P: 405-282-4332
T: 800-256-5940
F: 405-275-9442
E: gcorson@cocaa.org
W: www.cocaa.org
109 Oklahoma
GUTHRIE, Oklahoma 73044-3242
– English
CHOCTAW HOUSING AUTHORITY P: 580-326-7521-300
T: 800-235-3087
F: 580-326-0931
E: vpowell@choctawhousing.com
W: choctawhousing.com
1005 South 5th Street
HUGO, Oklahoma 74743-8013
– English
LITTLE DIXIE COMMUNITY ACTION AGENCY P: 580-326-3351
T:
F:
E: lwalker@ldcaa.org
W: www.littledixie.org
209 N 4th St
Hugo, Oklahoma 74743-3809
– English
CCCS OF OKLAHOMA P: 918-683-2778
T: 800-324-5611
F: 918-683-5571
E: dneibling@cccsofok.org
W: www.cccsofok.org
323 W. Broadway Street, Suite 404
MUSKOGEE, Oklahoma 74401-6654
– English
LEGAL AID SERVICES OF OKLAHOMA, INC. P: 918-428-4357
T: 888-534-5243
F:
E: info@legalaidok.org
W: www.legalaidok.org
2915 N Classen Blvd Ste 500
Oklahoma City, Oklahoma 73106-5458
– English
– Other
– Spanish
NEIGHBORHOOD HOUSING SERVICES OF OKLAHOMA CITY P: 405-231-4663
T:
F:
E: amandaj@nhsokc.org
W: nhsokc.org
1320 Classen Dr Ste 200
Oklahoma City, Oklahoma 73103-2442
– English
– Spanish
CENTRAL OKLAHOMA COMMUNITY ACTION AGENCY P: 405-587-4591
T: 800-256-5940
F: 405-275-9442
E: gcorson@cocaa.org
W: www.cocaa.org
807 Jim Thorpe Blvd.
PRAGUE, Oklahoma 74864-4522
– English
CENTRAL OKLAHOMA COMMUNITY ACTION AGENCY P: 405-382-1800
T: 800-256-5940
F: 405-275-9442
E: gcorson@cocaa.org
W: www.cocaa.org
600 E. Strothers
SEMINOLE, Oklahoma 74868-4138
– English
CENTRAL OKLAHOMA COMMUNITY ACTION AGENCY P: 405-275-6060
T: 800-256-5940
F: 405-214-4326
E: rstone@cocaa.org
W: www.cocaa.org
429 N. Union
SHAWNEE, Oklahoma 74801-7019
– English
KI BOIS COMMUNITY ACTION FOUNDATION, INCORPOR P: 918-967-9992
T: 866-338-9992
F: 918-967-2071
E: pam.harless@kibois.org
W: www.kibois.org
200 SE A Street
STIGLER, Oklahoma 74462-2418
– English
CENTRAL OKLAHOMA COMMUNITY ACTION AGENCY P: 405-447-0832
T: 800-256-5940
F: 405-701-1536
E: gcorson@cocaa.org
W: www.cocaa.org
619 W. 12
STILLWATER, Oklahoma 74074-4446
– English
CONSUMER CREDIT COUNSELING SERVICE OF CENTRAL OKLAHOMA P: 405-384-3940
T: 800-364-2227
F: 405-789-5052
E: demberlin@cccsok.org
W: www.cccsok.org
Building 420
Tinker AFB, Oklahoma 73145
– English
– Spanish
CREDIT COUNSELING CENTERS OF OKLA. P: 918-744-5611
T: 918-744-0614
F: 918-744-0232
E: ngootee@cccsofok.org
W: www.cccsofok.org
PO Box 4450
TULSA, OK 74159-0450
Tulsa, Oklahoma 74159-0450
– English
HOUSING PARTNERS OF TULSA, INCORPORATED P: 918-581-5907
T:
F: 918-551-5286
E: angela.letzig@tulsahousing.org
W: www.tulsahousing.org
415 E. Independence Street
TULSA, Oklahoma 74106-5727
– English
METROPOLITAN TULSA URBAN LEAGUE P: 918-584-0001
T:
F:
E: N/A
W: www.mtul.org (Malicious Content Detected)

240 E Apache St
Tulsa, Oklahoma 74106-3702
– English

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