Tennessee

Tennessee

Tennessee 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: 40+ days.

First Notice to Sale Time Period: 20+ days.

Redemption Period?: Yes, 24 months. (Judicial foreclosures only)

Deficiency Balance?: Yes.

* * * This information represents MRP’s current understanding of the Tennessee 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, 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

attorneysLet 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! ◄ ◄

Hardest Hit Fund TennesseeTennessee is a “Hardest Hit Fund” State

($217,315,593)

Eligibility Info and Fact Sheet

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in Tennessee

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.

Foreclosure Attorney ReviewsIn 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 ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in Tennessee

Agency Name Phone
Website
Address Languages
Chattanooga Neighborhood Enterprise Phone: 423-756-6201
Web: www.cneinc.org
1301 Market Street, Suite 100
Chattanooga, Tennessee 37402
– English
Consumer Credit Counseling of Chattanooga Phone: 4234905620
Web: www.CreditHelpToday.org
2245 Olan Mills Dr
Chattanooga, Tennessee 37421
– English
CCCS of Greater Atlanta Phone: 877-877-1995
Web: www.clearpointccs.org
137 Dean Drive, Suite 4
Clarksville, Tennessee 37040
– English
The Housing Fund, Inc. Phone: 931-572-8454
Web: www.thehousingfund.org
115 Center Pointe Drive
Clarksville, Tennessee 37040
– English
GAP Community Development Resources Inc Phone: 6155914345
Web:
129 West Fowlkes Street , Suite 137
Franklin, Tennessee 37064
– English
West Tenn. Legal Services Phone: 731-423-0616
Web: www.wtls.org
210 West Main st.
Jackson, Tennessee 38301
– English
Eastern Eight CDC Phone: 423-232-5097
Web: www.e8cdc.org
214 E. Watauga Avenue
Johnson City, Tennessee 37601
– English
MMI – Kingsport Phone: 800-308-2227
Web: www.moneymanagement.org
1999 E. Stone Dr., Ste. 102
Kingsport, Tennessee 37660
– English
CCCS of Greater Atlanta Phone: 800-251-2227
Web: www.clearpointccs.org
531 Callahan Road, Suite 101
Knoxville, Tennessee 37912
– English
Knox Housing Partnership Phone: 865-637-1679
Web: www.khp.org
109 N. Winona Street
Knoxville, Tennessee 37917
– English
Knoxville Area Urban League Phone: 865-524-5511
Web: www.thekaul.org
1514 East 5th Avenue
Knoxville, Tennessee 37917
– English
Life of Victory International Christian Ministries Phone: 615-213-1468
Web: www.lifevictorychristianministries.com
599 Waldron Rd, Bldg B
La Vergne, Tennessee 37086
– English
Binghampton Development Corporation Phone: 901-347-0504
Web: www.bcdmemphis.org
280 Tillman Street
Memphis, Tennessee 38112
– English
CCCS of Greater Atlanta Phone: 877-877-1995
Web: www.clearpointccs.org
White Station Towers 5050 Poplar Ave, Suite 1101
Memphis, Tennessee 38157
– English
Financial Counselors of America Phone: 901-722-5000
Web: www.financialcounselors.org
3294 Poplar Avenue, Suite 304
Memphis, Tennessee 38111
– English
Frayser Community Development Corporation Phone: 9013549402
Web:
3684 North Watkins Street
Memphis, Tennessee 38127
– English
Memphis Area Legal Services, Inc. Phone: 901-523-8822
Web: www.malsi.org
109 N. Main Street, Suite 200
Memphis, Tennessee 38103
– English
NID-HCA Phone: 901-417-8094
Web: www.nidonline.org
1574 E. Shelby Drive
Memphis, Tennessee 38116
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 901-348-0115
Web: www.naca.com
3035 Directors Row, Suite 1201-2
Memphis, Tennessee 38131
– English
Orange Mound CDC Phone: 901-327-4205
Web:
2395 Park Avenue
Memphis, Tennessee 38118
– English
United Housing, Inc. Phone: 901-272-1122
Web: www.uhinc.org
2750 Colony Park Drive
Memphis, Tennessee 38118
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
201 E Main Street, Suite 412
Murfreesboro, Tennessee 37130
– English
Affordable Housing Resources, Inc. Phone: 615-251-0025
Web: www.ahrhousing.org
50 Vantage Way, Suite 107
Nashville, Tennessee 37228
– English
Consumer Credit Counseling Service of Central Ohio Phone: 800-355-2227
Web: www.apprisen.com
1104 Kermit Drive, Suite 204
Nashville, Tennessee 37217
– English
Residential Resources, Inc. Phone: 615-650-9779
Web: www.residentialresourcesinc.com
604 Gallatin Road, Suite 103
Nashville, Tennessee 37206
– English
Woodbine Community Organization Phone: 615-850-3453
Web: www.woodbinecommunity.org
222 Oriel Aveue
Nashville, Tennessee 37210
– English
Clinch Powell RC&D Phone: 865-828-5927
Web: www.clinchpowell.org
7995 Rutledge Pike
Rutledge, Tennessee 37861
– English
Dominion Financial Management, Inc. Phone: 615-220-5858
Web: www.dominionfinancial.org
660 Fitzhugh Blvd., Suite 100
Smyrna, Tennessee 37167
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in Tennessee

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
FAMILY SERVICE AGENCY – CCCS P: 901-383-2193
T: 800-255-2227
F: 901-377-9282
E:
W: n/a
2851 Stage Village Cove, Suite 25
BARTLETT, Tennessee 38134-4683
– English
CHATTANOOGA NEIGHBORHOOD ENTERPRISE, INC. P: 423-756-6201
T:
F:
E: N/A
W: www.cneinc.org
1500 Chestnut St Ste A
Chattanooga, Tennessee 37408-1023
– ASL
– English
– Spanish
DEPARTMENT OF HUMAN SERVICES CITY OF CHATTANOOGA P: 423-757-5551
T:
F: 423-757-5294
E: williams_pat@mail.chattanooga.gov
W: www.chattanooga.gov
501 W. 12th Street
CHATTANOOGA, Tennessee 37402-3852
– English
– Spanish
PARTNERSHIP FOR FAMILIES, CHILDREN AND ADULTS/CCCS OF CHATTANOOGA P: 423-490-5620
T: 800-459-2227
F: 423-490-5624
E: lschobert@partnershipfca.com
W: www.CreditHelpToday.org
2245 Olan Mills Dr
Chattanooga, Tennessee 37421-1891
– ASL
– English
CLEARPOINT CREDIT COUNSELING SOLUTIONS – CLARKSVILLE BRANCH P: 877-877-1995
T: 877-877-1995
F: 855-266-6761
E: customer.service@clearpointccs.org
W: www.clearpointccs.org
137 DEAN Dr
Unit 4
CLARKSVILLE, Tennessee 37040-3960
– ASL
– English
– Other
– Spanish
GAP COMMUNITY DEVELOPMENT RESOURCES, INC. P: 615-591-4345
T:
F: 615-591-4398
E: teresa@gapcdr.org
W: www.gapcdr.org
129 West Fowlkes Street
Suite 137
FRANKLIN, Tennessee 37064-3561
– English
– Spanish
WEST TENNESSEE LEGAL SERVICES, INC. P: 731-426-1307
T: 800-372-8346
F: 731-423-2600
E: emma@wtls.org
W: www.wtls.org
210 West Main Street
JACKSON, Tennessee 38301-6114
– English
– Other
– Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED P: 731-426-1307
T:
F: 731-423-2600
E: emma@wtls.org
W: www.wtls.org
210 West Main Street
JACKSON, Tennessee 38301-6114
– English
– Spanish
EASTERN EIGHT COMMUNITY DEVELOPMENT CORP. P: 423-232-5097
T:
F: 423-926-0034
E: rpatton@e8cdc.org
W: www.e8cdc.org
214 East Watauga Avenue
JOHNSON CITY, Tennessee 37601-4630
– English
CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS – KNOXVILLE BRANCH P: 877-877-1995
T: 877-877-1995
F:
E: customer.service@clearpointccs.org
W: www.clearpointccs.org
10426 Jackson Oaks Way
SUITE 103
Knoxville, Tennessee 37922-0711
– English
– Spanish
KNOX HOUSING PARTNERSHIP, INCORPORATED P: 865-637-1679
T:
F: 865-637-9713
E: info@khp.org
W: www.khp.org
109 N. Winona St
KNOXVILLE, Tennessee 37917-7843
– English
KNOXVILLE AREA URBAN LEAGUE P: 865-524-5511-117
T:
F: 865-525-5154
E: oblackmon-mcbride@thekaul.org
W: www.thekaul.org
1514 E. Fifth Avenue
KNOXVILLE, Tennessee 37917-7801
– English
LIFE OF VICTORY IINTERATIONAL CHRISTIAN MINISTRIES P: 615-213-1468
T:
F: 615-793-3523
E: lifeofvictory@aol.com
W: lifeofvictory@aol.con
599 Waldron Road
Building B
LA VERGNE, Tennessee 37086-4109
– English
– Spanish
BINGHAMPTON DEVELOPMENT CORPORATION P: 901-347-0504
T:
F: 901-339-7464
E: robert@bdcmemphis.org
W: https://bdcmemphis.org
280 Tillman Street
MEMPHIS, Tennessee 38112-4018
– English
– Other
CLEARPOINT CREDIT COUNSELING SOLUTIONS – MEMPHIS BRANCH P: 901-276-2000
T: 901-276-2000
F: 855-391-6688
E: hud-inquiries@clearpointfs.org
W: www.clearpointccs.org
WHITE STATION TOWERS
5050 POPLAR AVE , SUITE 1101
MEMPHIS, Tennessee 38157
– ASL
– English
– Other
– Spanish
FAMILY SERVICE AGENCY – CCCS P: 901-323-4909
T: 800-255-2227
F: 501-812-4309
E:
W: n/a
2400 Popular Avenue
Suite 445
MEMPHIS, Tennessee 38112-3213
– English
FINANCIAL COUNSELORS OF AMERICA P: 901-722-5000
T:
F: 901-405-9000
E: financialcounselors@financialcounsers.org
W: www.financialcounselors.org
3294 Poplar Ave Ste 304
Memphis, Tennessee 38111-4688
– English
– Spanish
FINANCIAL COUNSELORS OF AMERICA- MEMPHIS BRANCH P: 901-722-5000
T:
F: 901-405-9000
E: robert@financialcounselors.org
W: www.financialcounselors.org
3294 Poplar Avenue
Suite 304
MEMPHIS, Tennessee 38111-4649
– English
– Spanish
FRAYSER COMMUNITY DEVELOPMENT CORPORATION P: 901-354-7178
T:
F: 901-354-9405
E: info@fraysercdc.org
W: www.fraysercdc.org
3684 N Watkins St
MEMPHIS, Tennessee 38127-4361
– English
HOPE ENTERPRISE CORPORATION P: 888-246-6314
T: 888-246-6314
F: 901-274-8105
E: financialcounseling@hope-ec.org
W: www.hope-ec.org
1451 Madison Avenue
MEMPHIS, Tennessee 38104-6316
– English
MEMPHIS AREA LEGAL SERVICES, INC. P: 901-432-4663
T:
F: 901-529-8706
E: rgibson@malsi.org
W: www.malsi.org
22 North Front Street
Suite 1100
MEMPHIS, Tennessee 38103-2162
– English
– Hindi
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) MEMPHIS, TN P: 901-348-0115
T: 617-250-6222
F: 877-329-6222
E: N/A
W: https://www.naca.com
3035 Directors Row Ste 1201-2
Memphis, Tennessee 38131-0420
– English
– Spanish
NID-HCA HARRELL P: 901-417-8094
T:
F:
E: N/A
W: site.notavailable.org
1574 E Shelby Dr
Memphis, Tennessee 38116-7215
– English
ORANGE MOUND COMMUNITY DEVELOPMENT CORP. P: 901-327-4205
T:
F: 901-324-6245
E: mesaine1@gmail.com
W: orangemoundcdc.org
2395 Park Ave
MEMPHIS, Tennessee 38114-6641
– English
UNITED HOUSING, INC. P: 901-272-1122
T:
F:
E: N/A
W: www.uhinc.org
2750 Colony Park Dr
Memphis, Tennessee 38118-2088
– English
– Spanish
CCCS OF THE MIDWEST P: 800-355-2227
T: 800-355-2227
F: 614-552-2222
E: info@apprisen.com
W: www.apprisen.com
201 East Main St, Ste 100
MURFREESBORO, Tennessee 37130-3778
– English
AFFORDABLE HOUSING RESOURCES OF NASHVILLE, INC P: 615-251-0025
T:
F: 615-251-0143
E: N/A
W: www.ahrhousing.org
50 Vantage Way
Suite 107
NASHVILLE, Tennessee 37228-1523
– English
– Spanish
CCCS OF THE MIDWEST P: 800-355-2227
T: 800-355-2227
F: 614-552-4800
E: info@apprisen.com
W: www.apprisen.com/home.asp
1101 Kermit Drive
Suite 204
NASHVILLE, Tennessee 37217-2126
– English
CITIZENS FOR AFFORDABLE HOUSING INC P: 615-361-9101
T:
F: 615-361-9104
E: housing4citizens@yahoo.com
W: www.cfahi.com
295 Plus Park Blvd., Suite 105
Terrace I
NASHVILLE, Tennessee 37217-1084
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) NASHVILLE, TN P: 615-781-4240
T: 617-250-6222
F: 877-329-6222
E: N/A
W: https://www.naca.com
301 S Perimeter Park Dr Ste 100
Nashville, Tennessee 37211-4128
– English
– Spanish
RESIDENTIAL RESOURCES, INC. P: 615-650-9779
T:
F: 615-650-1253
E: rrihome@aol.com
W: residentialresourcesinc.com
604 Gallatin Ave Ste 103
Nashville, Tennessee 37206-3475
– English
– Spanish
WOODBINE COMMUNITY ORGANIZATION P: 615-850-3453
T:
F: 615-833-9727
E: Rodwilliams47@yahoo.com
W: www.woodbinecommunity.org
643 Spence Ln
NASHVILLE, Tennessee 37217-1141
– English
– Spanish
CLINCH-POWELL RESOURCE CONSERVATION AND DEVELOPMENT COUNCIL, INC P: 865-828-5927
T:
F:
E: N/A
W: cliinchpowell.net
PO Box 379
Rutledge, Tennessee 37861-0379
– English
– Spanish

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