Rhode Island

Rhode Island

Rhode Island 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: Publication.

Estimated Foreclosure Process Period: 62+ days.

First Notice to Sale Time Period: 21+ days.

Redemption Period?: None. (Judicial foreclosures only)

Deficiency Balance?: Yes.

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

► ► 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.

Hardest Hit Fund Rhode IslandRhode Island is a “Hardest Hit Fund” State

($79,351,573)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.hhfri.org/

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Rhode Island

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 Rhode Island

Agency Name Phone
Website
Address Languages
CommunityWorks Rhode Island Phone: 401-273-2330
Web: communityworksri.org
693 Broad Street
Providence, Rhode Island 02907
– English
Rhode Island Housing HelpCenter Phone: 401-457-1130
Web: rhodeislandhousing.org
44 washington Street
Providence, Rhode Island 2908
– English
West Elmwood Housing Development Corp. Phone: 401-453-3220
Web: www.westelmwood.org
224 Dexter Street
Providence, Rhode Island 02907
– English
MMI – Warwick Customer Care Center Phone: 800-308-2227
Web: www.moneymanagement.org
501 Centerville Rd., 2nd Floor
Warwick, Rhode Island 2886
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Rhode Island

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
BLACKSTONE VALLEY COMMUNITY ACTION PROGRAM P: 401-723-4520-238
T:
F: 401-723-3325
E: jdaugherty@bvcap.org
W: www.bvcap.org
32 Goff Avenue
PAWTUCKET, Rhode Island 02860-2928
– English
– Portuguese
– Spanish
THE HOUSING NETWORK OF RHODE ISLAND P: 401-521-1461
T:
F: 401-521-1478
E: hiasimone@housingnetworkri.org
W: www.housingnetworkri.org
1070 Main Street
PAWTUCKET, Rhode Island 02860-4974
– English
– Spanish
COMMUNITYWORKSRI P: 401-273-2330-109
T:
F: 401-274-3670
E: sacevedo@communityworksri.org
W: www.communityworksri.org
693 Broad Street
PROVIDENCE, Rhode Island 02907-1429
– English
– Spanish
OLNEYVILLE HOUSING CORPORATION P: 401-351-8719
T:
F: 401-351-0019
E: shea@olneyville.org
W: www.olneyville.org
66 Chaffee Street
PROVIDENCE, Rhode Island 02909-2734
– English
– Spanish
RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION P: 401-457-1130
T:
F: 401-457-1362
E: helpcenter@rhodeislandhousing.org
W: www.rhodeislandhousing.org
44 Washington St
PROVIDENCE, Rhode Island 02903-1731
– English
– Spanish
WEST ELMWOOD HOUSING DEVELOPMENT CORPORATION P: 401-453-3220
T:
F:
E: rpastor@westelmwood.org
W: www.westelmwood.org
224 Dexter St
Providence, Rhode Island 02907-2413
– English
– Spanish
HABITAT FOR HUMANITY FOR RHODE ISLAND, SOUTH COUNTY, INC. P: 401-457-1130
T:
F:
E: helpcenter@rhodeislandhousing.org
W: www.southcountyhabitat.org
1555 Shannock Rd.
P.O. Box 68
Shannock, Rhode Island 02875
– English
MONEY MANAGEMENT INTERNATIONAL WARWICK P: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
501 Centerville Rd Fl 2
Warwick, Rhode Island 02886-4367
– English
– Spanish
NEIGHBORWORKS BLACKSTONE RIVER VALLEY P: 401-762-0074
T:
F:
E: rmitchell@neighborworksbrv.org
W: www.NeighborWorksbrv.org
719 Front St Unit 103
Woonsocket, Rhode Island 02895-5278
– English
– Spanish

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